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Strategies & Market Trends : Young and Older Folk Portfolio -- Ignore unavailable to you. Want to Upgrade?


To: Jeansn6 who wrote (21824)11/2/2025 2:55:48 PM
From: garygr1 Recommendation

Recommended By
MikeAzu

  Respond to of 23248
 
My max. loss 0.72%,, My max gain is 6.0% for one year
Sure, I can get 3.75 one year Treasury. However, 6.0% for a year would be better, and I'll take the chance that the market will be up next year by that amount. If I market crashes, my loss is really no big deal.
I'll just be pissed that I didn't put the $$$$ in one year Treasuries if the market crashes.----lol




To: Jeansn6 who wrote (21824)11/2/2025 7:58:28 PM
From: MikeAzu1 Recommendation

Recommended By
Rincon v2.0

  Respond to of 23248
 
Re; I am trying to understand why the buffered funds are better than one-year Treasuries or CDs

If they are held in a taxable account, I like that you can hold them for 1 day longer than 1 year, and then you'll be taxed at Long Term Capital Gains rate instead of ordinary income.