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Non-Tech : Income Investing
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To: brehm233 who wrote (51956)8/28/2025 3:08:38 PM
From: Privately5 Recommendations

Recommended By
apatel1
bodiddley1953
brehm233
CusterInvestor
MRothaus1

   of 52046
 
Re: just thoughts from Delta Investment Management

Great chart, Brehm.

I suspect you probably do something like I do. For anyone who is interested, here is what I do:

I to try to keep my cash invested in things that make reasonable returns (my target is 6% overall) to stay at least a little ahead of that devaluation.
  • Money I need day-to-day I keep in money market funds. In my taxable accounts, I use something like SNSXX (at Schwab) because of its state tax exemption.
  • Money I can leave for a little longer I put in treasuries. I cycle through a lot of issues on the secondary market for higher returns on short term money.. The state tax exemption helps raise the net yield on treasuries for me.
  • Money I want to park for longer I put in "hiding spot" issues. Tim has a nice list that is a good place to start looking for candidates. innovativeincomeinvestor.com They are issues that are likely (or definitely) going to be redeemed soon so they stay pegged pretty close to redemption value but still have a better net return than treasuries. Because they get called a lot, I have to keep finding replacement issues.
  • Money I want to park for longer term I often put in short and medium maturity term preferred stocks and baby bonds. Again, Tim has a pretty good list to look at as a starting point. innovativeincomeinvestor.com I like these kinds of issues because they have a fixed redemption date, so I am not "stuck" in something long term.

For these last two "buckets", company quality is a huge factor. There is some real garbage out there, so it is critical to do diligence on any potential candidates. I don't want to chase yield on a risky issue. I measure everything against treasuries - i.e. "is the risk of this issuer worth the extra X% they are paying above what I can get in treasuries?"

Anyway, just what I do. Doesn't make it right (and is is certainly not a recommendation to anyone - I don't give recommendations).
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