advice for me…

[XBoxBoy]

If you want to be conservative, you might put your money in short term treasuries. They don’t pay much, but you don’t need to worry about losing any of your capital. (Although like all dollar investments, you could lose purchasing power as the dollar declines in value) One nice thing is you can do this through Treasury Direct, and not pay any broker fees whatsoever.

Advantages: Investment is fully backed by the USA government. Never loses any capital, no broker fees to deal with.

Disadvantages: Doesn’t pay that great a return. But hey, you don’t risk much, you can’t really expect a lot of upside.

XBoxBoy

[socalarm]

thanks for the responses. i will have to check the details, but last i checked, my advisor wasn’t paid fees on the funds. he is paid an annual fee.
the bond funds are a mix of short term treasuries, except one high-yield fund which i’m uncomfortable with. when i told him so, he said (his explanation as i understood it) – a lot of high yield corporate bonds got hammered because of the sub-prime fiasco since nobody wanted to touch any high yield bonds. however, a lot of these are AAA (again, his words) so short term panic is making good bonds appear worse than they are because of the taint.
i hope i’ve conveyed what he said with some sense. apologize if this explanation amounts to garbage…

[socalarm]

thanks for the responses. i will have to check the details, but last i checked, my advisor wasn’t paid fees on the funds. he is paid an annual fee.
the bond funds are a mix of short term treasuries, except one high-yield fund which i’m uncomfortable with. when i told him so, he said (his explanation as i understood it) – a lot of high yield corporate bonds got hammered because of the sub-prime fiasco since nobody wanted to touch any high yield bonds. however, a lot of these are AAA (again, his words) so short term panic is making good bonds appear worse than they are because of the taint.
i hope i’ve conveyed what he said with some sense. apologize if this explanation amounts to garbage…

[socalarm]

thanks for the responses. i will have to check the details, but last i checked, my advisor wasn’t paid fees on the funds. he is paid an annual fee.
the bond funds are a mix of short term treasuries, except one high-yield fund which i’m uncomfortable with. when i told him so, he said (his explanation as i understood it) – a lot of high yield corporate bonds got hammered because of the sub-prime fiasco since nobody wanted to touch any high yield bonds. however, a lot of these are AAA (again, his words) so short term panic is making good bonds appear worse than they are because of the taint.
i hope i’ve conveyed what he said with some sense. apologize if this explanation amounts to garbage…

[socalarm]

thanks for the responses. i will have to check the details, but last i checked, my advisor wasn’t paid fees on the funds. he is paid an annual fee.
the bond funds are a mix of short term treasuries, except one high-yield fund which i’m uncomfortable with. when i told him so, he said (his explanation as i understood it) – a lot of high yield corporate bonds got hammered because of the sub-prime fiasco since nobody wanted to touch any high yield bonds. however, a lot of these are AAA (again, his words) so short term panic is making good bonds appear worse than they are because of the taint.
i hope i’ve conveyed what he said with some sense. apologize if this explanation amounts to garbage…

[socalarm]

thanks for the responses. i will have to check the details, but last i checked, my advisor wasn’t paid fees on the funds. he is paid an annual fee.
the bond funds are a mix of short term treasuries, except one high-yield fund which i’m uncomfortable with. when i told him so, he said (his explanation as i understood it) – a lot of high yield corporate bonds got hammered because of the sub-prime fiasco since nobody wanted to touch any high yield bonds. however, a lot of these are AAA (again, his words) so short term panic is making good bonds appear worse than they are because of the taint.
i hope i’ve conveyed what he said with some sense. apologize if this explanation amounts to garbage…

[moneymaker]

How about a money market account,currently paying 4-5 %,FDIC insured,can access it any time.Not a money market fund though that is different I believe.

[moneymaker]

How about a money market account,currently paying 4-5 %,FDIC insured,can access it any time.Not a money market fund though that is different I believe.

[moneymaker]

How about a money market account,currently paying 4-5 %,FDIC insured,can access it any time.Not a money market fund though that is different I believe.

[moneymaker]

How about a money market account,currently paying 4-5 %,FDIC insured,can access it any time.Not a money market fund though that is different I believe.

[moneymaker]

How about a money market account,currently paying 4-5 %,FDIC insured,can access it any time.Not a money market fund though that is different I believe.

[Trojan4Life]

Ultimately it’s your money. Your advisor should be listening to your goals and putting you into investment vehicles that match them. If you can’t sleep at night, then you are taking on more risk than you’re comfortable with.

Change FAs.

[Trojan4Life]

Ultimately it’s your money. Your advisor should be listening to your goals and putting you into investment vehicles that match them. If you can’t sleep at night, then you are taking on more risk than you’re comfortable with.

Change FAs.

[Trojan4Life]

Ultimately it’s your money. Your advisor should be listening to your goals and putting you into investment vehicles that match them. If you can’t sleep at night, then you are taking on more risk than you’re comfortable with.

Change FAs.

[Trojan4Life]

Ultimately it’s your money. Your advisor should be listening to your goals and putting you into investment vehicles that match them. If you can’t sleep at night, then you are taking on more risk than you’re comfortable with.

Change FAs.

[Author]

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