@erb Ha Ha Ha. You're hilarious
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The Federal Government is assuming unlimited demand for Treasury Bonds. Might be true but I agree short duration is better bet. Good to stay nimble
@kdw best to stick with short term treasuries / CD unless you are happy with getting the current rate for years to come. Things will eventually change in the investment world and then you can move your money to whatever is prudent at that point in time. Wish I had a crystal ball!
@erb+1jo0j6OR
We can’t make profits on the vehicle manufacturing we’ve been doing for over 100 years, Ford Credit isn’t going to be a savior any time soon, exorbitant debt, but $50/month subscriptions are going to save us!!!
I also like Treasuries and CDs now (4-5%) for 1-10 years, but what happens if interest rates return to 1%?
After listening to Doug's townhall providing detailed explanation on future subscription profit, you should put it all in F stock.
https://www.iowapublicradio.org/agriculture/2022-08-26/farmland-prices-soar-making-it-even-harder-for-young-farmers-to-break-in-and-grow
I've got stocks, Treasury bonds, and Iowa farmland. The farm stuff is set up as a corporation, the farm profits went into the stock market which did so well that the Federal government required us to buy more land. Over the last year Iowa farmland is up over 20%, over the last two years farmland is up 100%. Can't really recommend land at current prices.
You can also purchase short term treasuries from most brokerages. 6 month t-bills are around 4% now. Super easy to purchase and set up ladders, 100% safe.
For the conservative investor, Money Market Government Mutual Funds (return around 2%) are supposed to be ultra safe investments, and they are offered by the major investment companies such as Fidelity, Vanguard and Charles Schwab.
Three fund portfolio is how I plan to invest my lump sum. 60% in Vanguard Total Stock Market Index fund (VTSAX), 20% in Vanguard Total International Index fund (VTIAX) , and 20% in the Vanguard Total Bond Market Fund (VBTLX). Simple.
I went with all Index funds after using a fund fee calculator that showed me how much money I would be giving away in the next 30 years if I went with other non-index mutual funds.
https://www.nerdwallet.com/article/investing/mutual-fund-calculator
I will invest it all in the DNC because they care about 'the little guy' and will ensure fairness in the workplace for all (except the ones they don't like of course). They need more funds to help enforce freedom of speech via armed IRS agents. May as well just give it to them otherwise they would steal it anyhow.
@OP. Anything but Ford stock? LOL.
Seriously now, this may not be the best time to invest in the markets. If the economy goes upside down, like it looks is going to do, there would be better opportunities.