Start eliminating debt for free with EveryDollar – https://ter.li/3w6nto Have a question for the show? Call 888-825-5225 …
source
Start eliminating debt for free with EveryDollar – https://ter.li/3w6nto Have a question for the show? Call 888-825-5225 …
source
Finding bonds with short durations and long maturities is much less risky than any stock portfolio with zero unsystematic risk
ROFLMAO. The only way a move from 5% to 6% makes $10,000 drop to $8,333 is if the time to maturity is 200 years!
If you buy a bond to hold until maturity then volatility is not your concern
I like SGOV for my emergency cash. đ
So pompous and ignorant. đ
I make $5000 to $7000 a year on interest only on my $10,000 investment with YMAX there u go shared my secret hope this help some of you
i would get another opinion, if you are older than 60
These blanket statements are silly. In my opinion, The volatility for the price of the bond can be pointless when looking at the return the bond gives you. A fixed rate bond will offer you a fixed known return. Depending on the time, some money there isn't bad. Just let the bond mature. Now in the US, you can get a 10 year bond for 4.5%. Higher than most of the history. If rates go down, you can make a little more; if they go up, who cares, you were ok making 4.5% a year to start with.
What an idiot..it's scary that millions of people follow him for savings and retirement advice
Not owning bonds and simply owning nothing but equities opens you up to significant âsequence of returnsâ risk. Meaning you run the risk of having to sell a portion of your holdings during a bear market to fund your retirement. Bonds smooth that ride
The ultimate charlatan speaksâŚ. Garbage!
This is like my third time listening to this and now that I am planning on investing itâs actually starting to click.
would love to hear comparison of buy to hold bond investments to stocks. im about a 3rd in bonds 2 3rds in stocks, with a buy and hold bond ladder with 50% TIPS. Stocks and stock funds pay 3 – 4 % dividends. retired at 60 and i sleep great!
Ramsey predicate to get out of debt and save money, his message is totally positive, of fundamental importance and helps to educate to personal financeâŚon this Dave THANKS that is a service to the community.
Totally disagree on his message on not investing in bonds. Portfolio have to be balanced diversified, age and time horizon adjustedâŚ.stocks are great until a crash and if youâre 2 months Away from retirmentâŚgood luck. Just be careful on there messages. Again thanks for teaching people to save and donât take stupid debts like on cars or phones or whatever is there to impress people you shouldât give a damn
Dave is extremely knowledgeable & helpful but is also arrogant.
I am 53 and retired at 50. One thing I did do to retire early was to get out of the 401K and IRA programs. Bought rental real-estate and I am now a Limited Partner in about 1500+ units from collaborative efforts in the fund my estate planner has me invested in. I do not work..
Kind of missing the point– a bond fund that has a basket of bonds that it's constantly buying/selling and rolling over when bonds mature performs a lot like a stock fund.
But he started out by describing the basics of an individual bond; "buy a bond that pays a fixed interest rate and returns your money at the maturity date" is less volatile.
Financial planning is like navigation of wealth wisely by adhering to necessary strategies. If you know where you are and where you want to go, navigation isn't such a great problem. It's when you don't know the two points that it's difficult
Thank you for this video. Reinforces what I've always felt about bonds versus stocks. Even for retirees.
I never understood bonds over T Bills which are safer.
lmfaoooo look at any income based etf, they lose value guaranteed with each year, people, invest in bonds.
Donât listen to this dipshit who got lucky and now recommends putting your future on the line with a risky mutual fund where the active management behind it couldnât change a tire.
âBalanced funds wonât have any bonds when market is low.â
I would challenge Dave to find a moment in time when ANY balanced fund doesnât have bonds in it. I would bet his entire real estate portfolio on it that he will never find one! You know why? By prospectus balanced funds have to be balanced between bonds and stocks, and yes they may have a lower percentage, but never 0!
Dave should stick to advice on debt and budgeting and let the big boys handle financial advice and retirement planning. At least they know how math works.
âBonds are not substantially less volatile than stocksâ rofl.
Dave has lost all credibility in my book.