Silicon Investor (SI) -- The First Internet Community

STOCKTALK

We've detected that you're using an ad content blocking browser plug-in or feature. Ads provide a critical source of revenue to the continued operation of Silicon Investor. We ask that you disable ad blocking while on Silicon Investor in the best interests of our community. If you are not using an ad blocker but are still receiving this message, make sure your browser's tracking protection is set to the 'standard' level.

Strategies & Market Trends : Value Investing -- Ignore unavailable to you. Want to Upgrade?

To: Grommit who wrote (63101)	1/8/2020 7:32:09 PM
From: OldAIMGuy	Read Replies (1) \| Respond to of 78748

Hi G, Look at RAVI as a cash surrogate. It is quite stable in NAV and pays about 2.5% right now. OAG

To: Grommit who wrote (63101)	1/8/2020 8:42:43 PM
From: E_K_S	Respond to of 78748

Have cash similar to you 1) Credit Union: was 2% now 1.65% 2) Vanguard VFIUX (Intermediate-Term Treasury): 1.75% 3) Vanguard VFICX (Intermediate-Term Investment Grade): 2.37% 4) Vanguard VFITX (Intermediate Term Treasury Investor Shares): 1.65% (For IRA) -------------------------------------------------- Maybe 3x more in the Vanguard Treasury but I think rates will remain at current levels or even move lower so not concerned about moving more into their Corporate Bond. Was surprised to see the Credit Union move down to 1.65%. I hold 50% more in the local Credit Union for diversification. Also have the Schwab SWVXX yields 2.04% Their basket of banks include several Foreign Banks w/ Fed window access. Expense ratio 0.34%. Plan was to get this into some REITs specifically UBA as they have a lower debt profile than many Reits w/ 4.65% yield. Cash reserves pretty high as I am looking at a real estate project in 2022 that I will pay all cash on if we decide to do that project. Paid off all mortgages in 2011 after experiencing the 2008 crash. Total debt was quite small but eliminated that mortgage payment which was replaced by the monthly health insurance payment. Starting in 2020, that cost will exceed my previous mortgage payments (as planned) but is still the largest cost/expense in the EKS household. Property taxes come in as a close second. My REIT basket was quite the performer too in 2019. Many hit all time highs. EKS