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re: If you wanted to come as close as possible to guaranteeing a 5% return for the next 7 yrs
Posted on 6/17/23 at 6:06 pm to SaintsTiger
Posted on 6/17/23 at 6:06 pm to SaintsTiger
One of the tickers I listed - EIC - is yielding about 14% right now. If one holds it for 7 years, they would likely make even more than that.
0
Posted on 6/17/23 at 6:07 pm to Big Scrub TX
quote:
It depends. Non-brokered CDs under the FDIC insurance limit are guaranteed.
The word "guaranteed" plays with a lot of semantics.
Guaranteed by whom?
Annuities are guaranteed by an insurance company.
Bonds are guaranteed by an issuing company.
Municipal bonds are guaranteed by a municipality with the power to tax.
Treasuries are guaranteed by federal agencies.
You can give me $100k and I can give you a personal guaranty.
As was said earlier, these are all just contracts. People put faith in them for 1000s of different reasons.
Do you rely on FDIC?
That guarantee is indemnification within the next 100 years. The point of FDIC is to bolster faith. But the minimum obligation to restore that faith may not always be to your expectation or satisfaction.
Posted on 6/17/23 at 6:22 pm to meansonny
quote:I mean, if your point is to debate the semantics of "guarantee", have at it.
The word "guaranteed" plays with a lot of semantics.
Guaranteed by whom?
Annuities are guaranteed by an insurance company.
Bonds are guaranteed by an issuing company.
Municipal bonds are guaranteed by a municipality with the power to tax.
Treasuries are guaranteed by federal agencies.
You can give me $100k and I can give you a personal guaranty.
As was said earlier, these are all just contracts. People put faith in them for 1000s of different reasons.
Do you rely on FDIC?
That guarantee is indemnification within the next 100 years. The point of FDIC is to bolster faith. But the minimum obligation to restore that faith may not always be to your expectation or satisfaction.
I took the question to mean "locked in with relatively high certainty". So, those Meta and Intel bonds easily fit that description.
In the parsed world you are describing, you wouldn't even be able to answer the question "How do I buy a house that's guaranteed to be mine if I pay all my bills, including taxes?".
Posted on 6/17/23 at 6:44 pm to Big Scrub TX
quote:
I mean, if your point is to debate the semantics of "guarantee", have at it
I'm with you.
The point is that every poster in the thread will have a different idea of what guarantee means.
quote:
I took the question to mean "locked in with relatively high certainty". So, those Meta and Intel bonds easily fit that description.
Annuities are guaranteed by insurance companies.
Municipal bonds carry the power of taxation behind them.
CDs and savings accounts are guaranteed by banks.
The point is that an annuity guaranty is not much different than a dozen other types of guarantees.
That was my original comment when the annuity was brought to the discussion.
quote:
In the parsed world you are describing, you wouldn't even be able to answer the question "How do I buy a house that's guaranteed to be mine if I pay all my bills, including taxes?".
I get it. Mechanics liens. Judgments. Divorce. Eminent domain.
You and I are on the same page. It is word play.
But honestly... is an annuity that different from a dozen other forms of guarantee?
It is a simple point I'm making.
Posted on 6/17/23 at 10:22 pm to meansonny
quote:It all comes down to counterparty risk in the end. A or AA insurance company? Sure. Below that. eh
But honestly... is an annuity that different from a dozen other forms of guarantee?
Posted on 6/17/23 at 10:35 pm to Zachary
Artificial Intelligence stocks.
Posted on 6/18/23 at 3:14 pm to LatinTiger30
You mean an ETF or trying to pick an individual equity winner? Either way, IMO, though I believe the space has great potential, much like EVs, it would be more of a speculative play than a “guarantee”.
Posted on 6/18/23 at 6:00 pm to SaintsTiger
They do but most are continuous calls. Heads they win. Tails we lose. I don't like that. Alot of brokered CD's have also become callable especially the top yielders.
Posted on 6/18/23 at 6:05 pm to Zachary
quote:
40% bond / 60% dividend fund
Lettuce discuss individual equities. 5% for 7 years.
And then we can entertain you dividend bros later on.
$TSLA
Posted on 6/19/23 at 8:45 am to Teddy Ruxpin
quote:
Funny enough, I'm seeing CD rates in the 4.5% range for that period so that's probably the best "guarantee" you'll get.
Fidelity says I can build a one year CD ladder for 5.34 APY. One year CD for 5.45.
Posted on 6/21/23 at 12:02 pm to Zachary
Lego investing bro
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