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The challenge is that there are few good alternatives. Treasuries for a massively indebted government? 5000+ for an ounce of gold? A real estate market that is as expensive as ever? European or Chinese equities? Whatever your plan is you have to stick with it and not try to time moving in and out. Your plan will need to be tied to your risk tolerance. Yours sounds pretty low so maybe 20% cash, 40% bonds, 40 in a world equities fund? Something like that.
I would consider three options:
1) a target date fund for 2025 or 2030 or a split across both. They are designed to reduce market risk. Vanguard has funds with low fees
2) if you are in the US, you can invest in T-bills and get ~3.7%. T-bills are short-term government bonds. There is a website called Treasury Direct where you can place and manage orders. The interest on T-bills aren’t taxed aren’t taxed at state and local level.
3) municipal bonds. The interest isn’t taxed at the federal level and may not be at the state level if you buy bonds from your state. There are ETFs and cheap mutual funds available. A conservative (less risky) fund can yield near 4% (which would be nearer 5% for a comparable taxable yield depending on your tax bracket). There is some interest rate risk here. If rates go up, the value of the bonds decrease and vice-versa.
Do you have the ETF tickers for the target date funds?
Shouldn’t have moved it all out. 70% equities, 20% bonds, 10% cash.
Will you need the money in the near future or is this for long term investment?
Wise advice. Thanks!
Should there be more pessimism in India right now than in the U.S.? Seems retrenchment of BPO will be more damaging to that economy than wars, bad economic policy, etc. to the U.S.
Indias domestic economy has been expanding and their financial markets are modernizing. Their age demographic is superior to China for economic growth. They are still a mess but trending well
💎🙌
Real estate or gold.
What etfs do people use to get international exposure, specially India?