Bottom line: Whether you're adding new money to your portfolio or, as you're doing, switching to a new stocks -
bonds mix because the old one doesn't suit you, you're better off investing the money or moving to your target portfolio mix as quickly as possible rather than dollar - cost averaging.
Not exact matches
So you are saying that LS20 is bad to hold outside a tax wrapper,
because the entire dividend is taxed at normal income tax rates (20/40/45), whereas buying a 4:1
mix of a pure
bond fund and pure equity fund should save some tax,
because the div from the equity fund is taxed at dividend tax rates (7.5 / 32.5 / 37.5) and it benefits from a # 5k allowance (reducing to # 2k, next year)?
The concept of
mixing both covalent and reversible
bonds to make a tough, self - healing rubber was proposed in theory by Cai but never shown experimentally
because covalent and reversible
bonds don't like to
mix.
Too bad,
because the
mix on the film holds up as well as the bass - rich 5.1
mix for the James
Bond film Goldeneye that arrived late the previous year.
Because bonds have different risks and returns than stocks, owning a
mix of stocks and
bonds helps diversify your investment
mix.
The reason that cash /
bonds are even in the
mix is
because the portfolio is supposed to be made up of uncorrelated assets — when something goes up, something else should go down (ideally).
You'll only need one
because it invests in a diversified
mix of mutual funds, each itself diversified across a broad array of stocks and
bonds.
This time, however, the yen's price action was a bit more
mixed, likely
because risk aversion returned briefly, allowing the yen to resist the selling pressure from rising
bond yields.
Employing such investment types can go hand in hand with a more simplified in - retirement portfolio strategy:
Because broad - market index funds provide undiluted exposure to a given asset class (a U.S. equity index fund won't be holding cash or
bonds, for example), a retiree can readily keep track of the portfolio's asset allocation
mix and employ rebalancing to help keep it on track and shake off cash for living expenses.
If you go with a target - date fund and find you're uncomfortable with its stocks -
bonds mix or you decide you'd like some extra help
because your financial situation is growing more complex, you can always switch to a managed account.
The whole point of creating a stocks -
bonds mix that matches your risk tolerance in the first place is
because you don't know what the market is going to do.
Because of this, good financial planning states that it's a good idea to have a
mix of stocks and
bonds in a portfolio.
Because many of those indexes may tend to rise and fall at the same time, which is why it's a good idea to throw a lot more asset classes such as some commodities,
bonds, property and cash, and other assets into the
mix.
The fact that there was no corporate credit risk premium at a time that there was no equity risk premium really should not surprise investors
because corporate
bonds are really hybrid securities (a
mix of stocks and Treasury
bonds) that don't have all that much unique risk in them.
I've already discussed that in
mixed portfolios
bonds provide ballast
because of their lower volatility and lower returns.
In Article 7.3, we found that the normal advantage of
bonds over cash as ballast in a
mixed portfolio with stocks is currently absent,
because bonds are not expected to provide a real return above inflation anytime in the foreseeable future.
Cash can serve as portfolio stabilizer just like
bonds, and
because cash is so stable, you can use less cash as ballast and achieve the same outcome as more
bond ballast in a
mixed portfolio.
Target date funds are a good option for all savers
because they are diversified accounts with a
mix of stocks and
bonds, domestic and international, which take into account your age.
By that logic, we may as well have James
Bond thrown into the
mix because Goldeneye 007 was on N64.
While I was at it I silver and gold leaf'd the faucet,
because it was ugly and drab too... No, I'm not worried that it won't hold up — I gold leaf'd my old powder room faucet with no probs — I used Caromal Colours Smooth Basecoat Chocolate as the base, it
bonds solid to metal, then I used a Sticky Size, then a
mix of gold and silver leaf.