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How To Calculate Your Required Minimum Distributions | Bond Laddering For Your RMDs 2024​

Oct 11, 2024 #jenniferlammer #bondbeginners #bondmasters

How to calculate your RMDs (or required minimum distributions) & build an RMD bond ladder so that may not have to worry about selling investments that you don't want to to cover those RMDs!


20:26

SOURCES:

- Fidelity's RMD Calculator: https://digital.fidelity.com/prgw/digital/rmd/#/rmdform
- Fidelity Calculator Assumptions: https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/retirement/rmd-calculator-assumptions.pdf
- Distribution period table from IRS (go to page 65 of 69): https://www.irs.gov/pub/irs-pdf/p590b.pdf

- https://www.irs.gov/publications/p590b
- https://www.federalregister.gov/documents/2024/07/19/2024-14543/required-minimum-distributions
 

Three Big 401(k) Changes Coming In 2025 | Social Security Administration: How Long Will We Live?​


Oct 22, 2024 #jenniferlammer #bondbeginners #bondmasters

Learn how you can save more next year with three supersaving 401(k) plan changes that are coming in 2025 as part of the SECURE 2.0 ACT. Plus, what are latest life expectancy numbers?


9:48

SOURCES:

https://www.milliman.com/en/insight/client-action-bulletin-secure-2-changes-in-2025
https://www.milliman.com/en/insight/2025-irs-limits-forecast-august
https://press.aarp.org/2024-4-24-New-AARP-Survey-1-in-5-Americans-Ages-50-Have-No-Retirement-Savings
https://www.ssa.gov/benefits/retirement/planner/otherthings.html?tl=1
 
 

Best High Yield Savings & Checking Accounts 2024 (Wealthfront & More!)​

Nov 11, 2024 #jenniferlammer #bondbeginners #bondmasters

5% - 6% on your money, fully-insured, even as the Fed lowers rates. Check out the best high yield savings & checking accounts of 2024 our (super)supersavers are using to stash their cash!


10:11

SOURCES:
https://www.origin.bank/performancechecking/
https://www.newtekbank.com/certificate-of-deposit/
https://www.newtekbank.com/personal/high-yield-savings/
https://www.briodirectbanking.com/high-yield-savings/
https://www.wealthfront.com/cash/boost
https://www.wealthfront.com/investing
https://support.wealthfront.com/hc/en-us/articles/360043196472-What-is-the-Wealthfront-Cash-Account
https://www.wealthfront.com/cash-account-participant-banks
https://www.viobank.com/cornerstone-money-market-savings
https://www.cfg.bank/personal-banking/personal-deposit-rates/
https://www.everbank.com/banking/performance-savings
https://www.cit.com/cit-bank/platinum-savings
 

How Long Do You Want 6%? (Best-Yielding Bond Offerings Now That The Election Is Over)​

Nov 15, 2024 #jenniferlammer #bondbeginners #bondmasters

6.25% for at least three months or 6.00% for at least three years? Which one interests you most?
Check out the top 8 new issue bond offerings after the election that we've found this week!


9:12

SOURCE: https://www.fidelity.com/

REFERENCED VIDEOS:
Corporate Bond Investing Videos: https://youtube.com/playlist?list=PLsv_4H5rP97FcOfmuWfbBZ-C24vZbmbSD&si=cZh3uBFdIItgYXsO
Agency Bond Investing Videos: https://youtube.com/playlist?list=PLsv_4H5rP97G839te4TerQ0E7jcejhnAi&si=MuszS2kkmkaTRL2l
 

Is Cash Better Than A 4.61% Money Market Fund? | Fidelity's SPAXX, Schwab's SWVXX & Vanguard's VMFXX​

Nov 18, 2024 #jenniferlammer #bondbeginners #bondmasters

What are the top money market funds (SPAXX, SWVXX & VMFXX) in our community paying right now & is a money market fund better than cash?


22:37

SOURCES:
- https://investor.vanguard.com/investment-products/money-markets
- https://www.schwab.com/money-market-funds
- https://www.fidelity.com/mutual-funds/mutual-fund-spotlights/money-market-funds
- https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/MMF_Compare-stable-floating-nav.pdf
- https://www.morningstar.com/
 

Are T-Bills Better Than Money Market Funds | Fidelity's SPAXX, Schwab's SWVXX & Vanguard's VMFXX​

Nov 25, 2024 #jenniferlammer #bondbeginners #bondmasters

It's not just about yield, it's also about taxes. Where do you make more money? With T-Bills or in one of these top money market funds: Fidelity's SPAXX, FZFXX, FDRXX, FDLXX & FZDXX, Schwab's SWVXX, SNVXX, SNOXX, SNSXX & Vanguard's VMFXX, VMRXX & VUSXX?


16:32

SOURCES & REFERENCED VIDEO:
- CAN YOU LOSE MONEY ON MONEY MARKET FUNDS: https://youtu.be/TrdJKech_Rw

- https://www.fidelity.com/mutual-funds/mutual-fund-spotlights/money-market-funds
- https://www.fidelity.com/bin-public/060_www_fidelity_com/documents/TY23-GSE-Supplemental-Letter.pdf
- https://www.schwabassetmanagement.com/resource/2023-supplementary-tax-information
- https://www.schwab.com/money-market-funds
- https://investor.vanguard.com/content/dam/retail/publicsite/en/documents/taxes/usgoin-2024.pdf
- https://investor.vanguard.com/investment-products/money-markets
 

NEW! Best High Yield Savings & Checking Accounts December 2024​

Dec 8, 2024 #jenniferlammer #bondbeginners #bondmasters

5% on your money, fully-insured, even as the Fed lowers rates. Here's our brand-new list of the best high yield savings & checking accounts for December 2024 - I nearly opened an account at one of them!


12:57

SOURCES & REFERENCED VIDEO:

- https://www.openbank.us/
- https://www.santander.com/en/press-room/press-releases/2024/10/santander-launches-openbank-in-the-us-expanding-its-consumer-banking-business-nationwide
- https://www.pibank.com/pibank-savings/
- https://www.pibank.com/who-we-are/
- https://www.fdic.gov/
- https://banks.data.fdic.gov/bankfind-suite/bankfind
- https://www.origin.bank/performancechecking/
- https://www.newtekbank.com/personal/high-yield-savings/
- https://www.axosbank.com/pages/axos-one
- https://www.briodirectbanking.com/high-yield-savings/
- https://www.viobank.com/cornerstone-money-market-savings
- https://www.everbank.com/banking/performance-savings
 
FFT

Wall Street hopes rate cuts will force clients out of cash in 2025​


(Reuters) - Wall Street executives at the Reuters Next conference in New York expect a $7-trillion cash pile that proved invulnerable to falling interest rates in 2024 to start melting next year as easier monetary policy tempts clients out of the ultra-conservative asset class.

So far, such hopes have been in vain. Cash in money markets rose by about $824 billion this year, according to Crane Data, dashing expectations it would find a home in stocks or bonds as the Federal Reserve began cutting rates.

Proponents of the asset class have said they are happy earning rates of around 4% - far above the near-zero return cash was paying only a few years ago - with comparatively little risk. But sitting on the sidelines has come at a cost: the S&P 500 is up around 27% this year, gold is up about 30% and the Russell 2000 Index of smallcap companies is up more than 17%.

More:

https://www.msn.com/en-us/money/oth...S&cvid=7b1eb401e34d47389193ffd271e381da&ei=25
 
This interests me as I have cash i want to protect short term but CD's seem to be falling.
 
 
This one is pretty good. Mario and Clive discuss measuring portfolios and what they currently hold. Nothing to see, can listen in one tab, play around the forum in a different tab. It's 43 mins long.

Measuring Real Portfolio Performance in Fiat Currency Is a Big Challenge. Is a Gold Ruler Best?​

Jan 3, 2025 #investing #stocks #currency

 
I go with gold....how many gold dollars can your modern fortune buy you...
 

The Case for Cash​

Following the global financial crisis, I grew to despise cash.

The era of ZIRP (zero interest rate policy) meant yields on savings accounts, CDs, and bonds were pitifully low.

For years we were earning less than 1% on cash, while real inflation was more like 3-4%. That translated to a 2-3% annual loss in real purchasing power. This was textbook financial repression.

More:

dailyreckoning.com

The Case for Cash - Daily Reckoning

Equity prices are bubbly, yields are decent, and economic uncertainty looms. Cash is no longer trash.
dailyreckoning.com
 

Buying Deutsche Bank Bonds | Corporate Bond Investing 2025​

Jan 9, 2025 #jenniferlammer #bondbeginners #bondmasters

Deutsche is offering 6%+ new issue bonds. What are the risks, would we buy them personally & why?


12:30

CORRECTION: This bond is callable in one year (not two years as stated in the video)

SOURCES & REFERENCED VIDEOS (where applicable):

- https://www.fidelity.com/
- https://www.imf.org/en/Publications/WEO/Issues/2024/10/22/world-economic-outlook-october-2024
- https://investor-relations.db.com/files/documents/quarterly-results/2024/FDS-Q3-2024-23102024.pdf
 

NEW: Best Corporate & Agency Bond Offerings This Week On Fidelity​

Jan 10, 2025 #jenniferlammer #bondbeginners #bondmasters

6.3% for 3+ months or 5.7% for 10+ years? Check out the top new issue agency & corporate bond offerings that we found for you this week! Some of these bonds have first call dates that are 5 to 10 years out.


9:25

SOURCES & REFERENCED VIDEOS (where applicable):

1. Buying Deutsche Bank Bonds: https://youtu.be/cLqJg3fbJfU
2. Corporate Bond Investing Videos: https://youtube.com/playlist?list=PLsv_4H5rP97FcOfmuWfbBZ-C24vZbmbSD&si=cZh3uBFdIItgYXsO
3. Agency Bond Investing Videos: https://youtube.com/playlist?list=PLsv_4H5rP97G839te4TerQ0E7jcejhnAi&si=MuszS2kkmkaTRL2l
 

Part 1: Trump’s “Privatization Plans”: Stop Buying Agency Bonds?​

Jan 14, 2025 #jenniferlammer #bondbeginners #bondmasters

Bill Ackman expects Trump to privatize Fannie Mae & Freddie Mac. What happened last time & what does this mean for your agency bonds?


21:34

SOURCES & REFERENCED VIDEOS (where applicable):

- https://finance.yahoo.com/news/why-bill-ackman-is-confident-trump-will-privatize-fannie-mae-and-freddie-mac-172820795.html
- https://www.reuters.com/business/finance/bill-ackman-expects-trump-privatize-fannie-mae-freddie-mac-2024-12-30/
- https://fred.stlouisfed.org/series/RHORUSQ156N
- https://www.bloomberg.com/opinion/articles/2025-01-08/the-fannie-and-freddie-trade-is-back?srnd=undefined
- https://www.velocitytitle.com/heres-why-the-us-is-one-of-the-only-countries-with-a-30-year-fixed-rate-mortgage/
- https://companiesmarketcap.com/top-companies-by-total-assets/
- https://www.nar.realtor/fannie-mae-freddie-mac-gses
- https://www.ginniemae.gov/pages/default.aspx
- https://fhlbanks.com/
- https://www.fhfa.gov/data/dashboard/conforming-loan-limit-values-map

- https://capitalmarkets.fanniemae.com/mortgage-backed-securities
- https://capitalmarkets.fanniemae.com/syndicated/documents/mbs/mbspros/SF_May_1_2023.pd
- https://www.bloomberg.com/opinion/articles/2025-01-08/the-fannie-and-freddie-trade-is-back?srnd=undefined
 
^^^^^^^^

Part 2: Would Government Backing Go Away Under Trump?​

Jan 15, 2025 #jenniferlammer #bondbeginners #bondmasters

I hope the wait wasn't too long :-) Here's what we're covering in Part 2:
1. Who is pushing for privatizing Fannie Mae & Freddie Mac?
2. Is privatization possible & at what price?
3. What happens next & what should agency bondholders do now?

Missed Part 1? Here it is for you: • Are Agency Bonds At Risk? | Trump’s “...


20:26
 
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