Bonds are supposed to be the brakes in a portfolio—but should those brakes be BND, a shorter-term fund, CDs, or a Treasury ladder? Don explains why duration, yield stability, and personal comfort make the answer more nuanced than one ticker.
The Friday questions keep coming: pairing AVGE with VT, moving $5 million from real estate into a retirement portfolio, understanding an emerging-markets fund that became legally non-diversified, and building 529s for grandchildren.
The final stretch is all planning: Roth conversions and IRMAA, choosing a HELOC over a 401(k) loan, and resisting the urge to let the tax tail wag the retirement dog.
00:00 A full inbox of financial questions 02:30 BND versus short bonds, CDs, and Treasury ladders 06:45 AVGE plus VT—or unnecessary overlap? 10:23 Moving $5 million from real estate into markets 14:51 When an index fund becomes legally non-diversified 18:18 Building 529s and Roth head starts for grandchildren 22:16 Roth conversions, RMDs, and IRMAA 25:23 HELOC or 401(k) loan for renovations? 28:01 The tax tail and a long Roth-conversion plan
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