Sentences with phrase «expense of its bond portfolio»

It has suggested that changes would come at the expense of its bond portfolio.

Not exact matches

The fund provides exposure to a broad range of U.S. mortgage - backed bonds in a single portfolio, with a net expense ratio of just 0.09 %.

In a well - diversified investment portfolio, highly - rated corporate bonds of short - term, mid-term and long - term maturity (when the principal loan amount is scheduled for repayment) can help investors accumulate money for retirement, save for a college education for children, or to establish a cash reserve for emergencies, vacations or for other expenses.

Some people now retired like my father have the luxury of a defined benefit pension which just about covers their basic expenses, so they can hang on to their equity portfolios as a «top up» and not need to buy bonds at all.

Planners may recommend that the portfolio hold at least two to three years of living expenses in cash, CDs and short - term bonds that can see you through a stock market decline.

But in the last few episodes of sharp stock market drops, bonds went up (US government bonds are a safe haven asset and appreciate in crisis periods) so the only thing better than 3 months worth of expenses in a money market fund is having 3 + x months worth of expenses in the bond portfolio due to higher bond yields and negative correlation between bonds and stocks.

is: Can I not have taken out of my IRA self - directed account 1 % each quarter at age 70 and deposit it into a regular portfolio which has stocks and bonds etc. if I don't at that time need the cash for living expense?

You may be better off investing your savings in a well - balanced portfolio of stock and bonds and withdrawing money as needed to cover discretionary expenses and any other costs that pop up.

You can then rev up a good retirement income calculator to see how much of the remainder of your expenses you can reasonably expect to cover with draws from a diversified portfolio of stocks and bonds.

In a well - diversified investment portfolio, highly - rated corporate bonds of short - term, mid-term and long - term maturity (when the principal loan amount is scheduled for repayment) can help investors accumulate money for retirement, save for a college education for children, or to establish a cash reserve for emergencies, vacations or for other expenses.

By putting together a portfolio of broad stock and bond index funds (as you apparently have done), you can reduce annual expenses in some cases to as little as 0.10 % a year or less vs. upwards of 1 % or more annually for actively managed funds.

When researching a bond fund, after checking out the expense ratio and asset allocation, I check two things (again, both on the «portfolio» tab) to get an idea of the risk - level of the fund:

Morningstar concludes that, conceptually, «clean share classes would simply charge clients for managing their money (and other associated expenses) without indirect payments — fees charged to investors by the fund company that they in turn send to an affiliate or third party for services other than managing a portfolio of stocks or bonds.»

Exchange - traded funds (ETFs) are one of Wall Street's best innovations: They allow individual investors to buy and hold a whole portfolio of stocks or bonds, and pay very low expenses to do so.

Cash & Bonds For the cash component of the portfolio I feel safer having 6 months of core living expenses in a cash emergency fund in high interest savings accounts, current this is about $ 16,000 or 4 % of the total portfolio.

He assumed annual expenses of 10 basis points for a passive stock portfolio and 10 basis points for a passive bond portfolio.

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.

The goal is to arrive at a balance that's right for you: enough assured income from Social Security and an annuity to provide the level of security and comfort you need, but also enough in a portfolio of stocks, bonds and case to give you flexibility to meet unanticipated expenses and to prevent inflation from eroding your living standard over a long retirement.

Instead, you may be able to get by just fine by withdrawing money as you need it for non-discretionary items, unanticipated expenses and other non-scheduled expenditures from a diversified portfolio of stocks and bonds.

It does instead assume you will have a relatively balanced portfolio of stocks and bonds in order to generate the income necessary to pay your inflation adjusted living expenses over a relatively long time horizon.

While they are generally more inexpensive than their regular bond counterparts in terms of expense ratios due to their lower portfolio rebalancing and turnover, it is also true that they usually incur wider bid - ask spreads due to the low volumes triggered by the inactive trading thereby increasing the total cost of investments in them.

However, once they've added annuities to ensure basic expenses are covered, he may recommend 60 % equities and 40 % bonds for the rest of their portfolio.

If your Social Security payments are large enough to cover all or nearly all of your essential retirement expenses — which you can estimate by going to one of the online budget calculators listed in RealDealRetirement.com's Retirement Toolbox — then you may be able to get by quite nicely on Social Security plus periodic withdrawals from your diversified portfolio of stocks, bonds and mutual funds to cover any excess expenses as well as emergencies and occasional splurges.

The fund provides exposure to a broad range of U.S. mortgage - backed bonds in a single portfolio, with a net expense ratio of just 0.09 %.

«Beyond that, clients have all the exemptions and deductible expenses, some portion of their total receipts are taxed at (lower) dividend or capital gains rates, muni bond payments are not taxed by the federal government at all (unless you are in the AMT), losses are harvested out of the investment portfolio, and many advisory clients have a host of other lines filled out on their tax forms that blunt Uncle Sam's fingers in your client's wallet.»

According to the Trinity Study one could stop working and never run out of money if his or her portfolio (consisting of a mix of bonds and stocks) is higher than 25 times the annual expenses.

As a result, insurers could decide to rebalance their portfolios, to better match assets and liabilities, and purchase more bonds at the expense of equity, if they determine that the potential increased investment return on equities does not offset the cost of holding more capital.

Capital waiting to be invested for me goes into a portfolio of low expense index funds and bond funds.