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When is a good time to get into bond funds?
Posted on 2/11/18 at 10:42 am
Posted on 2/11/18 at 10:42 am
In my non-retirement/401k investments, i have about 10% in bond funds and a lot of index mutual funds. I would like to move cash into the bond funds, but i'm worried about rising interest rates knocking down their worth in the near future. Should i at least wait for the next rate hike? Thanks.
6
Posted on 2/11/18 at 12:02 pm to rebelrouser
quote:When interest rates have peaked.
When is a good time to get into bond funds?
Posted on 2/11/18 at 12:03 pm to rebelrouser
You should diversify based on your retirement date/goals and not try to time the market.
Posted on 2/11/18 at 12:04 pm to Joshjrn
quote:
my non-retirement
Posted on 2/11/18 at 12:08 pm to LZ83
Well technically it is retirement but outside my 401k since that is capped.
Posted on 2/11/18 at 3:03 pm to rebelrouser
I would say not right now. If you must I would focus on short term or floating rate.
Posted on 2/11/18 at 4:54 pm to rebelrouser
There's no way to know of course.
If you're worried about rate increases you could get a fund that focuses on short-term bonds instead of long-term. But even then you're trying to outguess the biggest market in the world.
If you're worried about rate increases you could get a fund that focuses on short-term bonds instead of long-term. But even then you're trying to outguess the biggest market in the world.
Posted on 2/11/18 at 8:04 pm to rebelrouser
To be honest, I would consider getting clever about your diversification in your non retirement investments (Assuming not tax advantaged).
Consider: There are equities you can purchase that have similar interest rate sensitivities as bonds but the income isn't taxed at your marginal rate. VPU is one that I like.
My only bond holdings in a non tax advantaged account are holds that act as a low hanging fruit in emergency situations.
Consider: There are equities you can purchase that have similar interest rate sensitivities as bonds but the income isn't taxed at your marginal rate. VPU is one that I like.
My only bond holdings in a non tax advantaged account are holds that act as a low hanging fruit in emergency situations.
This post was edited on 2/11/18 at 8:05 pm
Posted on 2/12/18 at 12:49 pm to rebelrouser
You should have bonds in the 401k and tax efficient stock funds on the outside.
Posted on 2/12/18 at 1:34 pm to rebelrouser
quote:
When is a good time to get into bond funds?
October 1981
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