As of today officially out of the stock market, buying BTC and PM,S

They're used interchangeably. The "rates" the Fed controls are the Fed Funds Rate and probably the 2-year Treasury Note yield which is most sensitive to the Fed Funds and futures market for Feds Funds.

Rates can also refer to the fixed coupon on a bond that does NOT change....but the yield does change as the bond price rises or falls.

Yup, except rates on a %-basis already quadrupled on the short end and nearly doubled at the longer end. Unless they are going to 8-10% a year from now, the rate of change has to slow (a losing bet from 1970-1981 ).

You should buy the flagship bond funds of big mutual fund families to start out. I own other, higher-yielding funds that sometimes invest in riskier bonds or use leverage -- wait on them.

I like the DoubleLine flagship fund DBLTX run by modern Bond King Jeff Gundlach....also his West Coast competitor PIMCO's PONAX fund that also yields over 4%. The Dodge & Cox Income Fund DODIX is also a conservative bond fund.

Most bond funds will have large holdings of mortgage-backed securities (MBS) because the spread (the bonus yield above risk-free treasuries) is pretty high right now. It's also high for corporate bonds.

As always, do your own DD and know what you are buying. But bonds are generally a low-risk investment and having already taken a shellacking in 2022, most of the risk is out of them....unless you think the 1970's and Jimmy Carter are around the corner.

 

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Asset Allocation Funds hold stocks and bonds for a set retirement age/date....like 2050. This could be a "chicken" way for you to dip your toes into bonds with a mix of something you have already bought (equities).

With 28 years to retirement, I would expect a typical fund (they're all different) to have like 80% stocks and maybe 20% bonds. But if you hold that fund for 20 years, then in 2042 it's probably going to be 50% stocks/50% bonds (maybe even more bonds)....the allocation to fixed income is supposed to go up as you approach the target date.

This would have been a problem the last 5-10 years because the rates on bonds were so low (their price was HIGH) that even as you took years off the relative attractiveness of bonds didn't help allocations. Who wanted bonds in 2021 at record-low yields, right ?

 

Thanks for your insight @GoldFinger1969
Time to do my DD. I guess at this point I'll be jumping in after the midterms. Unless that gets postponed due to 'technical difficulties' like the Powerball was.

 

28 years to Retirement......I I I would just jump off a cliff !!

 

You can run anything by me here or PM me. Happy to help.

I am a CFA and CFP, FWIW.

 

And today Sam Bankman of FTX sells at a distressed price or at gunpoint to Binance some of his assets.

You don't even have stability in the dealers for these cryptos...how can you have stability in the cryptos themselves ?

This is nuts. False rumours, eh ?

https://www.coindesk.com/business/2...vency-rumors-as-binance-liquidates-ftt-token/

https://twitter.com/sbf_ftx/status/1589598284322328579?s=46&t=6HFPNJ1KlVTeF4aF9ZRWGg

 

Just don't tell
mpcusa and it will be okay!!

 

Now BitCoin down 12% after erasing lots of losses.

You'd need Warren Buffet to give the sector credibility...having non-name "deep pockets" bail out weaker sisters doesn't inspire confidence.

Caveat Emptor

 

How come every time it goes down I make money..LOL

I think that is a great misconception when it comes to BTC, if you invest
the traditional way, buy and wait until
it goes up or down, I think people become a little postal, we all know
that BTC prices change every few
seconds so trading with in a scope of
time is the secret, but I spend a good
6 to 8 hours a day so it doesn’t come
with out hard work, is what the work produces was able to score this
2015 Krugerrand, which is on the
less common side, the rand refinery
stopped releasing data on there
mintages in 2014, so you just need
to see what’s out there, right now
not much, once I get held up on
the B/U,s will be looking to get some
proofs even a more daunting task
most have a mintage of less then
10,000 world wide !

 

Here’s a snap shot so far of my BTC GOLD FOAM as it relates to my Krugerrand’s there’s approx 53 coins
over all not including proofs and special
additions, I am to 10 right now and will
probably focus on this area unless I
see a good liberty or saint to buy

 

MPC, I'm glad you are making $$$.

I'm more focused on the financial implications of this niche sector and the fallout effects.

 

Please add another dollar sign or two, three isnt enough...LOL, was hoping for a
big up tick in the stock market but those were snatched away, late this evening
I just cant believe that people hare satisfied with the current economic situation,
oh well I did my part

 

Thats awesome collection there .. jealous but you said Hard work like putting in a dozen cross ties or switch ties by hand that's hard work Son, not sitting around mashing you sack for 6 hours. maybe mental work exhaustion. The only Postal person I know is Collecting Nut he retired from USPS Service and is still opening packages that he delivered to himself.

 

The #1 guy in crypto just lost 94% of his net worth in 1 day. If HE has no idea what is happening, those of you "invested" in this stuff should ask how you do:

https://www.coindesk.com/business/2...-a-billionaire-after-146b-overnight-wipe-out/

 

Apparently people can be dissatisfied with multiple things at the same time.

 

Ya but he still owns 6% of nothing

 

I'd be happy to take 6% of nothing if I knew I could sell it for a few hundred million.

My stock holdings are all just numbers in various accounting ledgers, too -- but even after the recent declines, they're still "worth" a good bit. I just hope they still are when retirement time comes.