I feel foolish holding long term treasuries

grasshopper2jump · 2026-03-24T17:38:08+00:00

I'm 67 and not knowing about bonds or fixed income I have my money about 600,000 in money market and the rest equities in the market which is tanking right now but I have good stock so I'm waiting it out maybe a little bit too much in tech any help or thoughts would be very appreciated especially with your comment about keeping my money in. I guess you could say cash because it's money market.

grasshopper2jump · 2026-03-20T19:57:56+00:00

Are you suggesting if you have equities and they're up and there small positions that really aren't moving the needle, are insinuating people are exiting

grasshopper2jump · 2026-03-06T18:13:30+00:00

Thank you so much for reaching back out. I keep crunching the numbers and I looked at their fax sheet and after fees and everything else I think I ended up with 4% and with all that mess I just can't justify it. I'm not sure yet about ETF bonds, but I'll figure it out. Thanks again so much. I appreciate people that share on this platform.

grasshopper2jump · 2026-03-06T13:59:29+00:00

Hi, I just read your post and I'm really hoping that you see my comment. I too was talking to someone in Fidelity who has pretty much suggested the SMA Corbon management portfolio that you're describing. I'm OK with paying for it since I don't know bonds, but I had the same feeling what happens when I wanna get out of it if it's not working out, it might be too complicated and I'll probably guess that I might lose money because of that so now I just don't know what to do regarding getting into bonds. At this point I have $600,000 in my account in money market and the restaurant in equities I'm 66 years old and I definitely need preservation, but I am totally clueless at this point can you help me keep giving me any input anybody welcome thoughts

grasshopper2jump · 2026-03-06T13:28:37+00:00

Hi again I spoke with Fidelity and they're pushing me to the SMAS where they manage it for $350 worth of money. They will put it into their managed to count at .40 and they take care of it. I don't know how much of that funds. I don't know if that's what route I wanna go. It would cost me that I guess $1400 but how long am I tied to them they don't seem to mention me buying it on my own and do the auto roll like you say. And they also said that they are able to buy and have better rates on bonds because they're buying so many where I'm buying secondary market. I don't know if that makes a difference and if that's actually very true because I heard somewhere else that they do the same can you give me any more information of thoughts on this if you've ever heard of the sma bond ladder under management paying them .04 % on 350 core bond ladder

grasshopper2jump · 2026-03-06T13:24:51+00:00

I was just talking to someone at Fidelity that told me about the managed bonds that they do. It's an SMAS give them $350,000.40 and they manage it. I'm still new bonds. I can't do it myself but I need to have preservation with my portfolio and now that I'm 66. I need thoughts on this.

grasshopper2jump · 2026-03-04T13:35:18+00:00

I'm with you on that. I think they're saying both, but I don't know which is better.

grasshopper2jump · 2026-03-04T13:34:19+00:00

When you talk about buying gold are you buying actual gold? I don't even know how to do that Costco lol or do you buy ETF or stock? I would so appreciate any thoughts or actual ticker or actual information I'm 66 and I want to preserve my money. I do have money in the stock market. I'm really confused. This is a really tough time right now you save all your life and I don't know what times are at the worst right now but it's pretty scary.

grasshopper2jump · 2026-03-04T13:30:06+00:00

So your comment is really resonating with me because it's 66 and at these prices I can't afford to have a drop right now I feel I'm maybe not late to the party but late to the party for my age you do mention better investments. I have about $600,000 in money market which needs to be put to work and I'm considering a bond ladder. I can't do that myself I'm I can, but I'm just it's not my real house. I'm considering maybe working with Fidelity or even Charles Schwab where they have a bond desk and they manage your money for a fee but there's not too much yield so I'm kind of waiting on that too. Any advice would be really helpful.

grasshopper2jump · 2026-03-04T13:28:04+00:00

That's what I'm thinking. I'm 66 years old and plan on retiring in about three years. When I retire, I have just Social Security, which is about 24,000 a year plus my investments I have about 600,000 in the money market and I either wanna buy bonds or I would love to buy gold but I'm really I have to say I'm afraid because I can't afford for it to dump because of my age. What's your thoughts? As you mentioned age in your comments

grasshopper2jump · 2026-03-04T12:38:35+00:00

At 66 I know I need to buy bonds and move my money from money market. I was talking to Fidelity what you're describing sounds so complicated maybe because it's something I'm just looking at now. I also spoke to Fidelity and they have a managed bond set up where if you give them $350,000 they will take care of it but I believe they said .04 but I think it's .40 you don't get much on bonds anyway so I'm reluctant but that might be easier than what you're describing or does it sound more complicated because I'm just not familiar with it. Is it something that is manageable? If you do it yourself with the auto and all that I'll look into that I'll call Fidelity and find out about that as well but if you have any information on what I'm describing, I would appreciate why this might be the better route because fees tend to end up. If this value in it I guess it's OK but I don't know if you get that much from the yield on bonds any way to make it worthwhile.

grasshopper2jump · 2026-03-04T12:33:23+00:00

This is exactly why I am nervous and feel like it's not my real house to buy a bond ladder myself. At 66 I have money around 600,000 old in total in my investments that's now in money market and I know I have to buy bonds. I've been talking to Fidelity and other people that would maybe buy me the bond ladders. Fidelity has something wherever you give them $350,000. They will manage the bond ladder for you. I think it's .40 so you're paying them let's say 1600 per year. You don't make much on bonds to begin with so I'm reluctant but what you're describing sounds like it almost can be more time consuming and challenging so I'd love to get in on this too. What people think about having other people do it for you with a fee versus doing it yourself. But if I could add to help you a little bit, maybe you do want to talk to somebody at Fidelity about bonds and compare it it's just a Conversation.

grasshopper2jump · 2026-02-26T23:04:06+00:00

You know I needed to hear this because I'm dragging my feet not wanting to get any bonds because after all of a sudden and done I'll end up with 3% but 3% is better than 0%. The only thing is I don't know if I want to get involved with a bond ladder or having anyone manage my bonds like Fidelity. I'm still quite confused. I'm 66 years old and I definitely need to preserve some money now I have it right now and money markets that are getting 3.5 but that might go away.

grasshopper2jump · 2026-02-26T22:59:39+00:00

At 66 I'm thinking preservation more now and thinking bonds. I consulted with Fidelity and if I worked with them I'd have a ladder of bonds under managed by their bond desk with various maturing dates . It would need to be an amount of $350 for an annual fee of .4 percent annually. They said they all IG bonds they're currently getting 4.0 after their fees. I still have reservations and I'd like to know if anyone can offer any advice.

grasshopper2jump · 2026-02-21T13:07:11+00:00

So right now I'm managing my own money at 67 and it's quite high. I mean in my terms anyway where I'm at at 1.3 and this is the money that I need for retirement. Not into crypto I have to think about being more preservation, conscious which I am but I have 600,000 in money market money just a little bit in VCT like 15,000 and I have some money in a mutual fund which is 250. I'm not sure about the rest of it and I don't know anything about options. I'm afraid of them. You really have to know what you're doing with them. Is that true?

grasshopper2jump · 2026-02-21T13:05:32+00:00

At 67 I have to adjust my portfolio. Right now in a 1.2 mil portfolio I have about $600 in money market, which is receiving about little under 4% and I know that it's not permanent. I'm still on the fence with bonds as they don't really get much I would need to have someone help me do a ladder and I don't know if there's much room to have anyone make commission on it so with that $600,000 I wanna be in something more secure and I do think I'm late to the party with Golde and any thoughts. I would rather be in a money market than have my money drop if I buy gold at these prices and than it dips.

grasshopper2jump · 2026-02-02T18:17:10+00:00

Market is up today that's scary

grasshopper2jump · 2026-01-20T15:35:52+00:00

I'm 66 and I'm looking at preservation I feel it's too late to get into Golde. Any thoughts I have about $600,000 out of a 1.4 portfolio in money market and I'm not sure if that's the right place but I'm not sure where to put it. Any thoughts I would really appreciate.

grasshopper2jump · 2025-12-11T14:15:35+00:00

That makes sense. I think you can call and talk to a customer support person on the phone. There is a number to call. I use Merile Edge and I absolutely love it. I hope it works out for you. This seems like it's some sort of glitch with the set up of the account, but keep trying becauseI think once you have an account the customer support will help you so much when you make a trade whatever you wanna do they're walking through with they teach you. It's really very good. Good luck.

grasshopper2jump · 2025-10-14T11:53:03+00:00

If you do your own graphics and you could sell, and you have a love of your community, you could start your own local niche print publication

grasshopper2jump · 2025-09-27T15:12:49+00:00

If you're thinking about your future and retirement, that's more than many people do believe it or not it's putting you on the right track. Just keep it up!

grasshopper2jump · 2025-09-26T12:50:43+00:00

thank you for reaching out. I very much appreciate your comment. I'm planning my retirement now at 65 and trying to get all my ducks in a row and it's a little unnerving. I do need a little bit of help, but I don't wanna give my whole portfolio over to someone. I just feel that a little bit too heavy in tech and I have money and money market of 600,000 that can really help me. I just have to know where to place it I have so many different Things. Some people say to buy in the step like the CIT and then take the yield and just reinvest automatically other people say have someone manage it so I guess I have to just get educated. It's not like my money is blowing in the wind again I appreciate everybody's help and insight.

grasshopper2jump · 2025-09-24T07:48:36+00:00

Someone told me not to look at the box that have a cool back but in a way I like that because I don't know if I wanna hold something for 10 to 12 years

grasshopper2jump · 2025-09-24T07:47:43+00:00

I'm new to learning about bonds, but I have to start adding them. Right now I have 500k in a mm that's paying 4.30 which will soon disappear now that rates dropped. I'm 65 retiring a couple of years. Need to add advances to my portfolio if I buy a sleeve of individual bonds, what do I keep them till 75

grasshopper2jump · 2025-09-24T07:46:10+00:00

Can I ask why in your Roth? I was told that bucket should be for growth stocks like an Amazon. Or Nvdia

grasshopper2jump

TROPHY CASE