What is it indexed to? With capital protection I’d be inclined to keep it as an income source. No need to chase risk.
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What is it indexed to? With capital protection I’d be inclined to keep it as an income source. No need to chase risk.
LVIP SSGA S&P 500 Index - 32.8%Quote:
Originally Posted by 4matic
LVIP SSGA Bond Index - 29%
LVIP SSGA International Index - 28.5%
LVIP SSGA Small-Cap Index - 9.8%
10 Year ROI is 3.15% (Fack)
Rider fee is $793.21 per quarter (Double fack)
I welcome comment, am prepared for heckling, and poised to jettison this donkey.
P.S. Thanks 4matic for your replies to date
The 10y s&p is like 160%. How is it even possible they only got you 3.15%?
Shake it off and move on, you learned something.Quote:
I welcome comment, am prepared for heckling, and poised to jettison this donkey.
P.S. Thanks 4matic for your replies to date
Stock market returns since 2010Quote:
Originally Posted by 406
That is the planQuote:
Originally Posted by Bunion 2020
Pro tip: normally you want to look at the ‘total market returns’ not the price of the index itself.Quote:
Originally Posted by boltonoutlaw
ThanksQuote:
Originally Posted by J. Barron DeJong
That was more concurring with the link you posted, which I believe is total return (said it included reinvesting dividends).Quote:
Originally Posted by boltonoutlaw
I assumed 406 had looked at just the sp500 price, but that doesn’t actually seem to be the case.
Anyway, total return for sp500 is about 19% higher over the past decade than just the sp500 price level.
FML, more good news :fm:Quote:
Originally Posted by J. Barron DeJong
Once you build your account, login and go to the top bar and click on 'buy direct' .. then click the bubble next to 'bills' and hit submit. Add a funding source, highlight the t-bill you want from the list and choose the amount to buy. When 'issue date' comes, complying non-competitive bids get bought first, and put in your treasury direct account. When the t-bill hits maturity, P+I gets deposited back in the account you funded it from automatically.Quote:
Originally Posted by Nobody Famous
Or you can choose 'schedule reinvestment' (up to 2 years) to do a ladder, but I didn't.
I recently had a chunk of cash that wasn't 'due' for 4 months, so I did a 13 week t-bill. S safe and easy way to make about 5% (I think the last one was like 5.something? Maybe 5.25 - 5.409?).
I know that's less than i could potentially do in VTI or something, but I absolutely HAVE to have the principle at the end of the term, so I'll take a lower% for lower risk. not a ton of money, but it's airfare or a surf camp or something.
And of course if the US defaults that could change things.
I assume your indexed annuity had downside protection and that explains the lagging return. Hind site is 2020. That bond portion is paying a pretty good yield now and you still have downside protection.
If you roll that into SPY and it drops 20% you’ve lost the entire purpose of the hedged annuity.
Seems that CD rates may be tapping out. I have been laddering short-terms with my cash reserve therefore checking rates daily. Noticed fewer offerings and more callables in past week, and then received this today: https://www.investopedia.com/cd-rate...-steam-7550572
^^^ Pricing in an anticipated rate cut (not seeing it myself) so that when the music stops they still have a chair???
most of this discussion is over my head but i just checked t bill rates, recent offerings still 5.1 to 5.4. better place to stash cash than my savings acct it'd seemQuote:
Originally Posted by boltonoutlaw
my credit union offered 6mo 5.5 so I took that rate and convenience. Have some treasuries & similar w/ yields around the 5 mark too.
Might not happen overnight but I'm guessing we've crested and now the rates will slowly trickle down.
5.5 dang! nice. mine was offering in the 4's but the terms were too long for my needs.Quote:
Originally Posted by CarlMega
i can't argue, you're probably right.
short/long term yields were def upside down for a bit, but worth jumping on at the time.
Attachment 462875
This in my in box today
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I think this is what I am seeing. More and more of the top YTM's are callable 1-year (e.g., JPM Chase at 5.5%) Highest YTM on 3-month is 5.2% and very few are offered compared to first half of this year. Highest super-short term is 5.15% on 1.5 month CD and it is lonely in a field that had many, many choices only 60 days ago.Quote:
Originally Posted by CarlMega
Treasury money market funds are still on their way up. VUSXX is at 5.13% and will likely climb another 20 basis points or so in the next couple weeks.
It's more flexible than a CD since you can withdraw at any time but the rates can float down if the Federal Reserve lowers rates.
New car time, so now I’m looking at floating a loan for 6 months or so while I wait for all these bonds to mature. And wife just shifted our budget by $10-20k, so a chunk of it is going to linger for a few years.
Kind of the opposite of Where To Invest Money Right Now.
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When I bought my truck I had cash to buy it outright, but ended up taking out a 36 month loan from State Department Federal Credit Union. I put the cash into a CD that was yield 2% more than the auto loan (1.24% APR vs 3.25% APY). It was a -2% APR auto loan, which I thought was pretty cool at the time. In retrospect, I should have just invested the money into VTSAX.Quote:
Originally Posted by jm2e
SDFCU's current rates are 4.39% APR. Anyone can join through the American Consumer Council.
Interesting:
Attachment 466283
https://jabberwocking.com/the-equity...s-disappeared/
Wish the chart went back further. If I was motivated I’d look it up, but when’s the last time this has happened, and what happened in the years following to correct it?
Attachment 466297
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Can you send me some money right now my cash app is $nonsticktaxes
Im dying out here, dead in fact
Need 20% returns wtf
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Cashed in an ibond since interest sucks. It will pay for the ebike.