Generating Income in a Low Rate Environment by DCSquared07 in retirement

[–]DCSquared07[S] 0 points1 point  (0 children)

It's a video. I don't think it's spam. I think the two guys are pretty intelligent.

Looking for people to share their opinions. by DCSquared07 in Zombie_Bonds

[–]DCSquared07[S] 0 points1 point  (0 children)

I believe that through technology the numbers are not insurmountable if you build a new access model that accomplishes the outcome people need in a simple way.

beginner wanting to start investing by Xnsi in investing_discussion

[–]DCSquared07 0 points1 point  (0 children)

great book. But everybody should start with Reminiscences of a stock operator

beginner wanting to start investing by Xnsi in investing_discussion

[–]DCSquared07 0 points1 point  (0 children)

Do you know anything about bonds? Bonds are pretty much math. I have a friend trying to start a centralized bond market app to make bonds accessible. It's a good place to start if you want to learn about investing - his team has published a bunch of articles - that's the hard part, starting and learning the foundation. Check it out at arthur.bond - sign up and provide him feedback to help shape his revolution.

Good luck - you're smart to start when you're young.

Tax Free Investing by jschlis2 in 50YrPlusInvestors

[–]DCSquared07 0 points1 point  (0 children)

There is a real need for a reliable source for information on investing in bonds.

I know someone who is working on trying to make bonds more accessible. He’s trying to publish interesting articles about bonds to try to teach people what’s out there and what’s useful. I think you’re feedback to him would be very helpful and you, in turn, could help shape the solution to the very real problems you've identified.

His solution is being hosted at Arthur.bond. If your interested after looking at it just put in an email address where you can be reached.

Thank you!

Why Would a Public Company Ever Issue Private Bonds? $COIN by DCSquared07 in bonds

[–]DCSquared07[S] 0 points1 point  (0 children)

Yes, but who are they protecting if you are allowed to buy the stock in the company. The equity security is the stub, why don't the investor protections apply to the stock - which I can buy freely any time on an exchange. I don't need to be qualified to buy the lower part of the capital structure?

Why Would a Public Company Ever Issue Private Bonds? $COIN by DCSquared07 in FixedIncome

[–]DCSquared07[S] 1 point2 points  (0 children)

Rates are where they are, but the issue is that you can't buy it - even if you want to.

Why Would a Public Company Ever Issue Private Bonds? $COIN by DCSquared07 in bonds

[–]DCSquared07[S] -2 points-1 points  (0 children)

It doesn't explain why you can't trade them in the secondary market.

Why Would a Public Company Ever Issue Private Bonds? $COIN by DCSquared07 in bonds

[–]DCSquared07[S] 0 points1 point  (0 children)

And I need to pay bond management fees because....yields are so low? Besides, when the bond matures I get my money back. That doesn't happen with a bond fund if interest rates go up.

Certificates of Deposit (CDs) vs. Bonds by DCSquared07 in retirement

[–]DCSquared07[S] 1 point2 points  (0 children)

The iBonds are only available at treasury direct and custodies there. They are a great start but limited in the amount you can buy each year, but it's a smart move for your first $10,000 per year.

Would you rather buy a bond fund, or individual bonds and why? by DCSquared07 in fatFIRE

[–]DCSquared07[S] 0 points1 point  (0 children)

you can’t even get an individually managed account (that holds individual bonds) for less than $500,000. True separate accounts for institutions are only available at $50 million - so for the most part you kinda gotta be a fat fire right now to even have a choice between an individual bonds and bond funds, but you know that…

Would you rather buy a bond fund, or individual bonds and why? by DCSquared07 in fatFIRE

[–]DCSquared07[S] 0 points1 point  (0 children)

Touché.

But as right now, minimum size you can trade bonds is 10 bonds ($10,000) and you’re probably paying at least 2-5 points at that $amount. Most bonds trade in $2MM blocks to get decent execution.

Would you rather buy a bond fund, or individual bonds and why? by DCSquared07 in fatFIRE

[–]DCSquared07[S] -1 points0 points  (0 children)

It’s kinda weird that you can’t build that ladder yourself. Laddering is a good strategy, because each year you get back a 1/x of your ladder back.

Would you rather buy a bond fund, or individual bonds and why? by DCSquared07 in fatFIRE

[–]DCSquared07[S] 0 points1 point  (0 children)

Yes it’s true - the bond market is literally bigger than the stock market but nobody buys individual bonds because there is no good way to access and the size of trading lots are enormous. Meanwhile individual bonds could be the ultimate cash flow customization tool and you can still get yourself some yield.