Thanks for the advice.to me this seems like lots of effort for miniscule extra return, not worth the hassle
heres what i would do
- cash out all the i-bonds and don't purchase them or tips again
- invest in t-bill till rates start to drop them migrate 10% of the fixed portfolio per month into bond funds until you are 50/50 bond funds & t-bills
- not clear why you are sending them money when they can't even spend all their own money?
- not sure of their AA - but make it 65/35 and put the 65 in total market/large cap mutuals or etfs
- I cashed out all the I-bonds last week and they’re currently sitting in SPRXX earning 5%. Do you think moving that to t-bills is necessary? I was planning to re-purchased I-bonds before end of the month but even that might be too much work for a lil extra return like you said so thinking the same about t-bills?
- any reason you want to increase their equity to 65 at this age? And isn’t VT a large cap index fund anyway?
Statistics: Posted by abcdef1912 — Fri Jun 14, 2024 10:14 pm — Replies 65 — Views 5235