i'm FIRE and 70% equities. of the bonds, 25% is either TIPS or 6 month treasuries and the remaining 5% is long treasuries
How did you decide how much to put in tips vs treasuries? do you buy individual bonds or bond funds? what bond funds? How long are your long treasuries? Are you concerned about SORR? Inflation?
Sorry for all the questions. I am close to FIRE.
How did you decide how much to put in tips vs treasuries? do you buy individual bonds or bond funds? what bond funds? How long are your long treasuries? Are you concerned about SORR? Inflation?
Sorry for all the questions. I am close to FIRE.
I use etfs the bonds are: xhlf schp ltpz tmf. i'm mid 40s so i'm more concerned about inflation than the average retiree and SORR is a risk for everyone. Luckily, most of my spending is discretionary so the plan is to spend more when the market is up and take fewer vacays when it isn't. I have about five years of minimum desired spending in short/intermediate bonds and an active dental license to protect against SORR
I use etfs the bonds are: xhlf schp ltpz tmf. i'm mid 40s so i'm more concerned about inflation than the average retiree and SORR is a risk for everyone. Luckily, most of my spending is discretionary so the plan is to spend more when the market is up and take fewer vacays when it isn't. I have about five years of minimum desired spending in short/intermediate bonds and an active dental license to protect against SORR
I will check out those bond ETFs. I am working “part time” and building a cash bucket and those might be something to add to it. Thanks for the info!
I will check out those bond ETFs. I am working “part time” and building a cash bucket and those might be something to add to it. Thanks for the info!
i can strongly recommend xhlf and schp as those are fantastic low cost funds.
ltpz is the only long tips etf around and has a steep expense ratio (.2). 20 year real yields are 1.7% which sounds great to me.
tmf is only if you like to gamble due to its high fees and volatility (currently down 80% from the high!). schq is a much more sensible long treasury fund
Comment