SI
SI
discoversearch

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.
Non-Tech : Income Investing -- Ignore unavailable to you. Want to Upgrade?

To: Heywood40 who wrote (51876)6/3/2025 11:04:13 AM
From: bg6638a  Read Replies (1) | Respond to of 52119
 
Portfolio acct clean-up / maintenance

FWIW: I use a 3/6/9/12 mo & 2/3/4/5 yr CD rotation where I do factor in current rates, plus have an "emergency MM fund". I also have a budget that not only focuses on the current year, but also extends out yearly for 10 years, as my 30+ yr old home is DEFINITELY going to need "work" going forward! I'm a firm believer in the "Six P's," in addition to having worked a 40yr career in Accounting/IT!

I'm also "making adjustments" to underperforming mutual funds!

More "tweaking" will be on the way once I pull the trigger on Social Security distributions in early '26!

BG



To: Heywood40 who wrote (51876)6/3/2025 1:54:16 PM
From: Jhana  Respond to of 52119
 
I moved everything into ultra-short blue chip corporate bond ETFs, spread across several in case any one has an issue (but they are run by top Street firms). Most currently yield in high 4's and would go up if Treasuries spike.

I don't see a scenario where rates drop for a few years to come. This is high safety and decent yield over the 10-year. I can also move to 100% cash in a few minutes in an emergency.


HomeMailHotSubjectMarksPeopleMarksKeepersSettings
Terms Of UseContact UsCopyright/IP PolicyPrivacy PolicyAbout UsFAQAdvertise on SI
© 2025 Knight Sac Media.  Data provided by Twelve Data, Alpha Vantage, and CityFALCON News