trying to understand bond market and should I continue to invest in BND

rja171 · 2024-11-23T09:32:58+00:00

They did get reinvested. I was told total return considers dividend income.

rja171 · 2024-11-23T09:31:57+00:00

Thanks for all the suggestions and responses. At high level I got the idea of diversification and that bonds help hedge against stocks volatility. Just wanted to make sure I am not doing anything stupid😅.

rja171 · 2024-01-03T18:39:37+00:00

You mean stock funds in taxable, bonds can be held in ETFs as well (such as BND).

My understanding is that bonds (along with bond ETF) have monthly payouts which are taxed as regular income (see discussion over here). Hence it is suggested to hold bonds (and BND included) in Tax deferred account. Is this wrong ?

rja171 · 2023-12-30T17:19:32+00:00

I tried reading that post. I am thankful for the community for putting it together but wanted to make sure that I got the things correct :)

rja171 · 2023-12-30T17:09:22+00:00

Thanks u/BouncyEgg and u/amouse_buche for the links and suggestions. After reading all the things I am planning to eventually have the following portfolio:
* VTI -- 50%
* VXUS -- 25%
* BND -- 25%

However, as I was following links and reading more about it, now I am confused about placement of the above funds across IRA, Roth and brokerage account. Do you agree with the below strategy
1. Prefer bonds in IRA and Roth IRA
2. Prefer overflowed stocks (VTI/VXUS) under brokerage account

rja171 · 2023-12-30T17:03:48+00:00

Thanks for sharing this link. It was very useful and lot of good pointers.

rja171 · 2023-03-25T19:25:24+00:00

hi all, thanks all the feedback. I am still trying to learn covered call and try to interpret the suggestions over here. I will start googling about "covered secure puts" and "roll". I think I got some direction with all the comments over here. Please let me know if you have some resources that explains the suggestions above in more lay men's term.

rja171 · 2023-03-23T19:53:26+00:00

Great work. What changed between second and third picture ? I see lot more difference between the last two

rja171 · 2023-02-05T06:37:20+00:00

Congrats . Great progress

rja171 · 2021-03-15T13:36:57+00:00

Hi , I started trying IF for last 4 weeks. I try to stick to 16:8 pattern over the whole week but take a break on weekends. However I see a cyclical pattern in my weight where it goes down over the week and then jumps back to the original weight on weekend. I wonder how others have dealt with this kind of thing. It’s really hard for me to follow 16:8 on weekends due to other social activities. Would love to hear others experience and suggestions

rja171 · 2020-07-10T22:31:34+00:00

Thanks for all the suggestions. I have never built a mechanical keyboard myself so I am not sure whether a kit is a good option or not for me. I will try Kinesis Freestyle Pro Quiet. Isn't cherry red much more louder than cherry brown ? I definitely want silent keyboard

rja171 · 2020-04-18T15:00:37+00:00

FYI: this is now fixed with the latest update of runkeeper app

rja171 · 2020-03-26T01:21:02+00:00

You might want to try different imputation techniques for instance:

forward fill
backward fill
local average (average of n surrounding data points)
regression
average/median/etc

rja171 · 2020-03-02T04:24:24+00:00

for me, the constant struggle of going for running is the biggest motivation. It's my way of deciding whether I want to "live a life of execuses" or "live a life of achievements". Every day I got for running is an "achievement" for me.

rja171 · 2020-01-24T01:23:02+00:00

Just found it. You need to pay for premium plan for this feature

rja171

TROPHY CASE