A weekly thread to discuss financial matters - from personal all the way up to global.
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Notes -
Can someone help me think about bonds properly? I’ve been buying FTBFX as part of a 20-30-50 portfolio and over the past like 5+ years my return is 0.25% or so—I’d have been better off with just money market. Are my expectations off? I get keeping some ballast for rebalancing but the bonds are just melting away it seems with inflation.
20% alt, 30% bonds, 50% equity?
If that’s the case, and if you’ve been buying since 2018 (as per your other comment), I suspect there’s some arithmetic/algebraic error somewhere. Just the 50% equity alone should solo.
Either way, a bad outcome doesn’t necessarily mean a bad decision nor vice versa—especially in investing and on short time horizons—although the two can correlate.
No 80% equities so overall I’m doing ok. 20% is bonds mainly for rebalancing which I do a few times a year.
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