Personal Investments • What are Good Investments for Someone with Low Risk Tolerance?

There is a preferred format that people here are used to and find helpful, to help you.
https://www.bogleheads.org/wiki/Asking_ ... _questions

Hi.. Here's my info as per your format:

Emergency funds: Three to six months of expenses (indicate if you have this, but it is generally not part of your asset allocation)
- $40,000.

Debt: Indicate if you have any debt (credit card, school loans, car loans, mortgage) and the interest rate you are paying on each loan.
- No debt.

Tax Filing Status: (Single, Married Filing Jointly, Married Filing Separately, Head of Household, Qualifying Widow/Widower with Dependent Children)
- Single.

Tax Rate: xx% Federal, xx% State
- Fed rate: 12%, NY State rate: 4%.

State of Residence:
- NY

Age:
- 53

Desired Asset allocation: xx% stocks / xx% bonds
Desired International allocation: xx% of stocks
- 10% bonds/ 90% bonds
- No international.

Please provide an approximate size of your total portfolio (as in 50K, 700k, 1.4M, etc.) or as (high four-figures, mid five-figures, low six-figures, etc.).
- $250,000.

Show us your current portfolio including all investment and retirement accounts (yourself and spouse or civil partner, if applicable) as it's important to look at the portfolio as a unified whole rather than look at accounts in isolation. Also include the available funds in your employer provided retirement plans.
- None

Also add some goals (short, intermediate, long term).

I'm in a unique situation. I need to invest every 2 years. Reasons are private.

Regarding your question about zero coupon bonds maturing in 2025, yes. They are calls Treasury bills, a new 1 year Treasury bill would mature in 2025 at this point. Not saying I would recommend this or anything, without above info.

I was looking at STRIPS. But is it possible to have a strips bond pay all its interest payments at maturity? And say I buy a strips bond in 2/2024 assuming its an 18 month strips bond. For taxes, do I report the accrued interest not received for 2024 or 2025?

Statistics: Posted by arca — Tue Feb 20, 2024 12:53 pm — Replies 19 — Views 1565

---