UnThreaded | Threaded | Whole Thread (11) | Ignore Thread Prev | Next
Author: ziggy29 Big funky green star, 20000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 35351  
Subject: Re: How much should I have in Bonds? Date: 5/17/2000 9:52 AM
Post New | Post Reply | Reply Later | Create Poll . Report this Post | Recommend it!
Recommendations: 0
As far as retirement goes, in general, I don't think most people need bonds. (Now if for some reason, long rates rose to 15% again as in 1981, I might throw lots of retirement money into long zeroes, but that's likely not to happen any time soon, IMO.)

And don't forget that there are different types of bonds for different reasons. Some people ladder short-term Treasuries or high-grade corporates for "intermediate" goals, say 3-10 years away (and might want actual bonds rather than funds, which are guaranteed to mature at face value and avoiding loss of capital). Some use ultra short-term bond funds as parking places for several months. I happen to use series I savings bonds for most of my short-term emergency fund.

But in general, if you're talking about retirement investing for retirement which is decades away, I really don't think bonds add much value (except perhaps in exceptional cases like that I listed above).

#29
Post New | Post Reply | Reply Later | Create Poll . Report this Post | Recommend it!
Print the post  
UnThreaded | Threaded | Whole Thread (11) | Ignore Thread Prev | Next

Announcements

What was Your Dumbest Investment?
Share it with us -- and learn from others' stories of flubs.
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Community Home
Speak Your Mind, Start Your Blog, Rate Your Stocks

Community Team Fools - who are those TMF's?
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and "#1 Media Company to Work For" (BusinessInsider 2011)! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.
Advertisement