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  • RSFC Investment Corner

    From RSFC Moderator@21:1/5 to All on Wed May 4 13:06:03 2022
    I feel like Vizzini when I wonder where to invest.

    The market's PE ratio is high and momentum is down, so I can clearly not choose the market.

    Interest rates are rising, so I can clearly not choose long term bonds.

    Inflation is high, so I can clearly not choose cash.

    The US is a safe haven in times of trouble, so I can clearly not choose to go international.

    Interest rates are rising, which will depress real estate, so I can clearly not choose that.

    Gold returns nothing, so I can clearly not choose that.

    Money markets are basically cash, so I can clearly not choose that.

    Cryptocoins feel like the second classic blunder--- don't put your money in a Ponzi scheme.

    What's left? Commodities? Beans and ammo? Mattresses?

    -rsfcm

    --- SoupGate-Win32 v1.05
    * Origin: fsxNet Usenet Gateway (21:1/5)
  • From Michael Falkner@21:1/5 to All on Wed May 4 13:52:46 2022
    Beans and ammo.

    Mike (Regardless of which side you are on politically.)

    --- SoupGate-Win32 v1.05
    * Origin: fsxNet Usenet Gateway (21:1/5)
  • From Ken Olson@21:1/5 to Michael Falkner on Wed May 4 18:05:31 2022
    On 5/4/2022 4:52 PM, Michael Falkner wrote:
    Beans and ammo.

    Mike (Regardless of which side you are on politically.)

    Always a good choice. .22 Long Rifle cartridges will always be a good
    barter item. Canned food or MRE type s good, too. I ate WWII C-rations
    that were 40 years old and while not haute cuisine, they were edible.

    --
    ÄLSKAR - Fänga Dagen

    Слава Україні та НАТО

    --- SoupGate-Win32 v1.05
    * Origin: fsxNet Usenet Gateway (21:1/5)
  • From xyzzy@21:1/5 to RSFC Moderator on Wed May 4 21:23:34 2022
    RSFC Moderator <rsfcmoderator@gmail.com> wrote:
    I feel like Vizzini when I wonder where to invest.

    The market's PE ratio is high and momentum is down, so I can clearly not choose the market.

    Interest rates are rising, so I can clearly not choose long term bonds.

    Inflation is high, so I can clearly not choose cash.

    The US is a safe haven in times of trouble, so I can clearly not choose
    to go international.

    Interest rates are rising, which will depress real estate, so I can
    clearly not choose that.

    Gold returns nothing, so I can clearly not choose that.

    Money markets are basically cash, so I can clearly not choose that.

    Cryptocoins feel like the second classic blunder--- don't put your money in a Ponzi scheme.

    What's left? Commodities? Beans and ammo? Mattresses?

    -rsfcm


    I-bonds?

    --
    “I usually skip over your posts because of your disguistng, contrarian, liberal personality.” — Altie

    --- SoupGate-Win32 v1.05
    * Origin: fsxNet Usenet Gateway (21:1/5)
  • From Michael Falkner@21:1/5 to xyzzy on Wed May 4 14:33:33 2022
    On Wednesday, May 4, 2022 at 2:23:38 PM UTC-7, xyzzy wrote:

    I-bonds?

    Maybe I'm wrong here: But are those the crypto-based bonds I'm now seeing advertised?

    Mike

    --- SoupGate-Win32 v1.05
    * Origin: fsxNet Usenet Gateway (21:1/5)
  • From xyzzy@21:1/5 to Michael Falkner on Thu May 5 00:23:47 2022
    Michael Falkner <darkstar7646@gmail.com> wrote:
    On Wednesday, May 4, 2022 at 2:23:38 PM UTC-7, xyzzy wrote:

    I-bonds?

    Maybe I'm wrong here: But are those the crypto-based bonds I'm now seeing advertised?

    Mike


    No. US government bonds whose yield is tied to inflation.

    --
    “I usually skip over your posts because of your disguistng, contrarian, liberal personality.” — Altie

    --- SoupGate-Win32 v1.05
    * Origin: fsxNet Usenet Gateway (21:1/5)
  • From Michael Falkner@21:1/5 to xyzzy on Wed May 4 17:32:56 2022
    On Wednesday, May 4, 2022 at 5:23:51 PM UTC-7, xyzzy wrote:

    No. US government bonds whose yield is tied to inflation.

    TIL. As I said, I might have been wrong.

    Mike

    --- SoupGate-Win32 v1.05
    * Origin: fsxNet Usenet Gateway (21:1/5)
  • From Con Reeder, unhyphenated American@21:1/5 to RSFC Moderator on Thu May 5 02:44:31 2022
    On 2022-05-04, RSFC Moderator <rsfcmoderator@gmail.com> wrote:
    I feel like Vizzini when I wonder where to invest.

    The market's PE ratio is high and momentum is down, so I can clearly not choose the market.

    Interest rates are rising, so I can clearly not choose long term bonds.

    Inflation is high, so I can clearly not choose cash.

    The US is a safe haven in times of trouble, so I can clearly not choose to go international.

    Interest rates are rising, which will depress real estate, so I can clearly not choose that.

    Gold returns nothing, so I can clearly not choose that.

    Money markets are basically cash, so I can clearly not choose that.

    Cryptocoins feel like the second classic blunder--- don't put your money in a Ponzi scheme.

    What's left? Commodities? Beans and ammo? Mattresses?


    A combination of all of the above is what I've gone with.

    --
    "Systemic Racism' is such a perfect Marxist formulation. It
    delegitimizes and entire society without blaming anyone in particular,
    so it generates little opposition. It signifies everything and nothing simultaneously. It can't be proven or disproven. It's genius
    propaganda. -- Noah Pollak

    --- SoupGate-Win32 v1.05
    * Origin: fsxNet Usenet Gateway (21:1/5)
  • From RSFC Moderator@21:1/5 to xyzzy on Thu May 5 08:46:27 2022
    On Wednesday, May 4, 2022 at 8:23:51 PM UTC-4, xyzzy wrote:
    Michael Falkner <darkst...@gmail.com> wrote:
    On Wednesday, May 4, 2022 at 2:23:38 PM UTC-7, xyzzy wrote:

    I-bonds?

    No. US government bonds whose yield is tied to inflation.

    I Bonds are a good idea--- a good return and rather safer than betting on Jaxon Smith-Njigba to win the hypesman.

    Will buy some for me and Mrs Moderator. Thanks.

    -rsfcm

    --- SoupGate-Win32 v1.05
    * Origin: fsxNet Usenet Gateway (21:1/5)
  • From RSFC Moderator@21:1/5 to unhyphenated American on Thu May 5 09:08:31 2022
    On Wednesday, May 4, 2022 at 10:44:37 PM UTC-4, Con Reeder, unhyphenated American wrote:
    On 2022-05-04, RSFC Moderator <rsfcmo...@gmail.com> wrote:
    I feel like Vizzini when I wonder where to invest.

    The market's PE ratio is high and momentum is down, so I can clearly not choose the market.

    Interest rates are rising, so I can clearly not choose long term bonds.

    Inflation is high, so I can clearly not choose cash.

    The US is a safe haven in times of trouble, so I can clearly not choose to go international.

    Interest rates are rising, which will depress real estate, so I can clearly not choose that.

    Gold returns nothing, so I can clearly not choose that.

    Money markets are basically cash, so I can clearly not choose that.

    Cryptocoins feel like the second classic blunder--- don't put your money in a Ponzi scheme.

    What's left? Commodities? Beans and ammo? Mattresses?

    A combination of all of the above is what I've gone with.

    Me too, with the market share shaded towards Value.

    -rsfcm

    --- SoupGate-Win32 v1.05
    * Origin: fsxNet Usenet Gateway (21:1/5)
  • From Con Reeder, unhyphenated American@21:1/5 to RSFC Moderator on Thu May 5 20:09:07 2022
    On 2022-05-05, RSFC Moderator <rsfcmoderator@gmail.com> wrote:
    On Wednesday, May 4, 2022 at 8:23:51 PM UTC-4, xyzzy wrote:
    Michael Falkner <darkst...@gmail.com> wrote:
    On Wednesday, May 4, 2022 at 2:23:38 PM UTC-7, xyzzy wrote:

    I-bonds?

    No. US government bonds whose yield is tied to inflation.

    I Bonds are a good idea--- a good return and rather safer than betting on Jaxon Smith-Njigba to win the hypesman.

    Will buy some for me and Mrs Moderator. Thanks.


    You might want to offload that task to a bond fund. Making money in
    bonds is difficult in a rising interest rate environment. You'll pay
    some management fees, of course, but it should be worth it.

    If it were a stable or dropping interest rate environment, you do well
    to buy good quality corporates or municipals. But at the moment, look out below.

    --
    Life isn't fair, but it's good. -- Regina Brett

    --- SoupGate-Win32 v1.05
    * Origin: fsxNet Usenet Gateway (21:1/5)
  • From Con Reeder, unhyphenated American@21:1/5 to RSFC Moderator on Thu May 5 20:11:20 2022
    On 2022-05-05, RSFC Moderator <rsfcmoderator@gmail.com> wrote:
    On Wednesday, May 4, 2022 at 10:44:37 PM UTC-4, Con Reeder, unhyphenated American wrote:
    On 2022-05-04, RSFC Moderator <rsfcmo...@gmail.com> wrote:
    I feel like Vizzini when I wonder where to invest.

    The market's PE ratio is high and momentum is down, so I can clearly not choose the market.

    Interest rates are rising, so I can clearly not choose long term bonds.

    Inflation is high, so I can clearly not choose cash.

    The US is a safe haven in times of trouble, so I can clearly not choose to go international.

    Interest rates are rising, which will depress real estate, so I can clearly not choose that.

    Gold returns nothing, so I can clearly not choose that.

    Money markets are basically cash, so I can clearly not choose that.

    Cryptocoins feel like the second classic blunder--- don't put your money in a Ponzi scheme.

    What's left? Commodities? Beans and ammo? Mattresses?

    A combination of all of the above is what I've gone with.

    Me too, with the market share shaded towards Value.


    Great minds think alike. I have been doing well in everything except my pathetic
    attempts to buy bonds. I gave that up and have brought in some advisors for part
    of my portfolio. It's going to be hard to avoid blaming them for the debacle that
    is the last few days, but I'll have my own half of the holdings to make me humble.

    --
    Life isn't fair, but it's good. -- Regina Brett

    --- SoupGate-Win32 v1.05
    * Origin: fsxNet Usenet Gateway (21:1/5)
  • From RSFC Moderator@21:1/5 to unhyphenated American on Thu May 5 16:12:53 2022
    On Thursday, May 5, 2022 at 4:09:12 PM UTC-4, Con Reeder, unhyphenated American wrote:
    On 2022-05-05, RSFC Moderator <rsfcmo...@gmail.com> wrote:
    On Wednesday, May 4, 2022 at 8:23:51 PM UTC-4, xyzzy wrote:
    Michael Falkner <darkst...@gmail.com> wrote:
    On Wednesday, May 4, 2022 at 2:23:38 PM UTC-7, xyzzy wrote:

    I-bonds?

    No. US government bonds whose yield is tied to inflation.

    I Bonds are a good idea--- a good return and rather safer than betting on Jaxon Smith-Njigba to win the hypesman.

    Will buy some for me and Mrs Moderator. Thanks.

    You might want to offload that task to a bond fund. Making money in
    bonds is difficult in a rising interest rate environment. You'll pay
    some management fees, of course, but it should be worth it.

    If it were a stable or dropping interest rate environment, you do well
    to buy good quality corporates or municipals. But at the moment, look out below.

    I hear what you are saying, but I-Bonds are a special thing, not a normal bond market thing.

    See, for instance: https://themoneyninja.com/i-bonds-rates/

    --- SoupGate-Win32 v1.05
    * Origin: fsxNet Usenet Gateway (21:1/5)
  • From Con Reeder, unhyphenated American@21:1/5 to RSFC Moderator on Thu May 5 23:22:28 2022
    On 2022-05-05, RSFC Moderator <rsfcmoderator@gmail.com> wrote:
    On Thursday, May 5, 2022 at 4:09:12 PM UTC-4, Con Reeder, unhyphenated American wrote:
    On 2022-05-05, RSFC Moderator <rsfcmo...@gmail.com> wrote:
    On Wednesday, May 4, 2022 at 8:23:51 PM UTC-4, xyzzy wrote:
    Michael Falkner <darkst...@gmail.com> wrote:
    On Wednesday, May 4, 2022 at 2:23:38 PM UTC-7, xyzzy wrote:

    I-bonds?

    No. US government bonds whose yield is tied to inflation.

    I Bonds are a good idea--- a good return and rather safer than betting on Jaxon Smith-Njigba to win the hypesman.

    Will buy some for me and Mrs Moderator. Thanks.

    You might want to offload that task to a bond fund. Making money in
    bonds is difficult in a rising interest rate environment. You'll pay
    some management fees, of course, but it should be worth it.

    If it were a stable or dropping interest rate environment, you do well
    to buy good quality corporates or municipals. But at the moment, look out
    below.

    I hear what you are saying, but I-Bonds are a special thing, not a normal bond market thing.

    See, for instance: https://themoneyninja.com/i-bonds-rates/

    I have a few of those, too, but you're only allowed to purchase so many.

    --
    Find the grain of truth in criticism, chew it, and swallow
    it. -- anonymous

    --- SoupGate-Win32 v1.05
    * Origin: fsxNet Usenet Gateway (21:1/5)
  • From xyzzy@21:1/5 to unhyphenated American on Fri May 6 01:53:44 2022
    Con Reeder, unhyphenated American <constance@duxmail.com> wrote:
    On 2022-05-05, RSFC Moderator <rsfcmoderator@gmail.com> wrote:
    On Thursday, May 5, 2022 at 4:09:12 PM UTC-4, Con Reeder, unhyphenated American wrote:
    On 2022-05-05, RSFC Moderator <rsfcmo...@gmail.com> wrote:
    On Wednesday, May 4, 2022 at 8:23:51 PM UTC-4, xyzzy wrote:
    Michael Falkner <darkst...@gmail.com> wrote:
    On Wednesday, May 4, 2022 at 2:23:38 PM UTC-7, xyzzy wrote:

    I-bonds?

    No. US government bonds whose yield is tied to inflation.

    I Bonds are a good idea--- a good return and rather safer than betting >>>> on Jaxon Smith-Njigba to win the hypesman.

    Will buy some for me and Mrs Moderator. Thanks.

    You might want to offload that task to a bond fund. Making money in
    bonds is difficult in a rising interest rate environment. You'll pay
    some management fees, of course, but it should be worth it.

    If it were a stable or dropping interest rate environment, you do well
    to buy good quality corporates or municipals. But at the moment, look out >>> below.

    I hear what you are saying, but I-Bonds are a special thing, not a
    normal bond market thing.

    See, for instance: https://themoneyninja.com/i-bonds-rates/

    I have a few of those, too, but you're only allowed to purchase so many.


    $10k per person per year

    --
    “I usually skip over your posts because of your disguistng, contrarian, liberal personality.” — Altie

    --- SoupGate-Win32 v1.05
    * Origin: fsxNet Usenet Gateway (21:1/5)
  • From RoddyMcCorley@21:1/5 to RSFC Moderator on Thu May 5 23:54:33 2022
    On 5/4/2022 4:06 PM, RSFC Moderator wrote:
    I feel like Vizzini when I wonder where to invest.

    The market's PE ratio is high and momentum is down, so I can clearly not choose the market.

    Interest rates are rising, so I can clearly not choose long term bonds.

    Inflation is high, so I can clearly not choose cash.

    The US is a safe haven in times of trouble, so I can clearly not choose to go international.

    Interest rates are rising, which will depress real estate, so I can clearly not choose that.

    Gold returns nothing, so I can clearly not choose that.

    Money markets are basically cash, so I can clearly not choose that.

    Cryptocoins feel like the second classic blunder--- don't put your money in a Ponzi scheme.

    What's left? Commodities? Beans and ammo? Mattresses?

    -rsfcm

    Quality dividend play ETFs?

    Inflation protected bonds? (Of which I know little)

    Personally, I like to keep some money on the sidelines so when we have volatility like this I can buy on the cheap.

    --
    "In theory, there is no difference between theory and practice. In
    practice, there is." Ruben Goldberg

    --- SoupGate-Win32 v1.05
    * Origin: fsxNet Usenet Gateway (21:1/5)
  • From joe@mich.com@21:1/5 to RSFC Moderator on Fri May 6 08:44:44 2022
    On Thu, 5 May 2022 16:12:53 -0700 (PDT), RSFC Moderator <rsfcmoderator@gmail.com> wrote:

    On Thursday, May 5, 2022 at 4:09:12 PM UTC-4, Con Reeder, unhyphenated American wrote:
    On 2022-05-05, RSFC Moderator <rsfcmo...@gmail.com> wrote:
    On Wednesday, May 4, 2022 at 8:23:51 PM UTC-4, xyzzy wrote:
    Michael Falkner <darkst...@gmail.com> wrote:
    On Wednesday, May 4, 2022 at 2:23:38 PM UTC-7, xyzzy wrote:

    I-bonds?

    No. US government bonds whose yield is tied to inflation.

    I Bonds are a good idea--- a good return and rather safer than betting on Jaxon Smith-Njigba to win the hypesman.

    Will buy some for me and Mrs Moderator. Thanks.

    You might want to offload that task to a bond fund. Making money in
    bonds is difficult in a rising interest rate environment. You'll pay
    some management fees, of course, but it should be worth it.

    If it were a stable or dropping interest rate environment, you do well
    to buy good quality corporates or municipals. But at the moment, look out
    below.

    I hear what you are saying, but I-Bonds are a special thing, not a normal bond market thing.

    See, for instance: https://themoneyninja.com/i-bonds-rates/

    Why would you not consider TIPS instead?

    --- SoupGate-Win32 v1.05
    * Origin: fsxNet Usenet Gateway (21:1/5)
  • From RSFC Moderator@21:1/5 to j...@mich.com on Fri May 6 07:06:26 2022
    On Friday, May 6, 2022 at 8:44:49 AM UTC-4, j...@mich.com wrote:
    On Thu, 5 May 2022 16:12:53 -0700 (PDT), RSFC Moderator <rsfcmo...@gmail.com> wrote:

    On Thursday, May 5, 2022 at 4:09:12 PM UTC-4, Con Reeder, unhyphenated American wrote:
    On 2022-05-05, RSFC Moderator <rsfcmo...@gmail.com> wrote:
    On Wednesday, May 4, 2022 at 8:23:51 PM UTC-4, xyzzy wrote:
    Michael Falkner <darkst...@gmail.com> wrote:
    On Wednesday, May 4, 2022 at 2:23:38 PM UTC-7, xyzzy wrote:

    I-bonds?

    No. US government bonds whose yield is tied to inflation.

    I Bonds are a good idea--- a good return and rather safer than betting on Jaxon Smith-Njigba to win the hypesman.

    Will buy some for me and Mrs Moderator. Thanks.

    You might want to offload that task to a bond fund. Making money in
    bonds is difficult in a rising interest rate environment. You'll pay
    some management fees, of course, but it should be worth it.

    If it were a stable or dropping interest rate environment, you do well
    to buy good quality corporates or municipals. But at the moment, look out >> below.

    I hear what you are saying, but I-Bonds are a special thing, not a normal bond market thing.

    See, for instance: https://themoneyninja.com/i-bonds-rates/
    Why would you not consider TIPS instead?

    You would, they are similar in some ways. With I-Bonds all income is tax deferred and never state taxable and, right at the moment, we know that the current interest rate is very high (8.37%). OTOH, TIPS pay a coupon (which might be nice) and you
    can buy unlimited amounts. TIPS have unfavorable tax treatment of the inflation adjustments (so are often held in a 401k or IRA). TIPS are tradable, so you can make/lose money if you sell before maturity.

    --- SoupGate-Win32 v1.05
    * Origin: fsxNet Usenet Gateway (21:1/5)