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I'm not sure that I understand the risk to bonds that you are talking about, especially with regard to Treasuries. Is there a link that I could read?

Thanks. :)
Treasury bonds carry little risk of default - but they do carry interest rate risk if not held to maturity.

Is that the kind of link you’re asking for?
 
Treasury bonds carry little risk of default - but they do carry interest rate risk if not held to maturity.

Is that the kind of link you’re asking for?

You were referring to opportunity risk, i.e., if rates go up, you are stuck at a lower rate?

In my mind, if you don't hold a Treasury to maturity, the risk is on you, not the bond.

Disclosure: I keep my cash in a T-Bill money market ETF for the liquidity. My return is adequate, but safe.
 
Not a recommendation

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Rebalanced on Wednesday and Thursday (spilt it over two days to try to reduce single day volatility) and was able to realize peak gains. Timed that very well. Rather be lucky than smart 😉
"Rebalancing" could involve either buying or selling. Since the S&P 500 was high those days, I assume you mean you sold some S&P 500 index ETF.

Yes luck comes into it. I like to buy or sell at a "good price" too. But if you look at the chart of any stock/mutual fund/ETF over a long period, for typical day to day movements, the day you bought or sold doesn't matter all that much.

I've missed out on perfectly good investments because I wouldn't pay the just increased price. And have regretted it ever since.

I haven't sold much (except for some rebalancing). Over the past year I too have sold small amounts of US index ETFs. Having almost 50% in tech really scares me.
 
"Rebalancing" could involve either buying or selling. Since the S&P 500 was high those days, I assume you mean you sold some S&P 500 index ETF.

Yes luck comes into it. I like to buy or sell at a "good price" too. But if you look at the chart of any stock/mutual fund/ETF over a long period, for typical day to day movements, the day you bought or sold doesn't matter all that much.

I've missed out on perfectly good investments because I wouldn't pay the just increased price. And have regretted it ever since.

I haven't sold much (except for some rebalancing). Over the past year I too have sold small amounts of US index ETFs. Having almost 50% in tech really scares me.
Yeah. I moved some S&P 500 funds to bonds. Held them for a long time and just so happened to sell at a record peak.

I do our annual financial assessment right after tax season every year. And we were almost all equites and cash. Great place to be when you’re first starting out. But now in our mid forties we are slowly increasing our bond/cash mix and de-risking some.

Looking back years ago, I was told by some not to invest in the market during the 2008 financial crisis because the world was coming to an end. I was in my twenties and fresh out of the military. I figured I didn’t have much to lose anyways so what the heck. I invested heavily all throughout the lost decade. I’m sure glad I didn’t listen to all those people.

We are blessed to be way ahead of schedule with our goals.
 
Yeah. I moved some S&P 500 funds to bonds. Held them for a long time and just so happened to sell at a record peak.

I do our annual financial assessment right after tax season every year. And we were almost all equites and cash. Great place to be when you’re first starting out. But now in our mid forties we are slowly increasing our bond/cash mix and de-risking some.

Looking back years ago, I was told by some not to invest in the market during the 2008 financial crisis because the world was coming to an end. I was in my twenties and fresh out of the military. I figured I didn’t have much to lose anyways so what the heck. I invested heavily all throughout the lost decade. I’m sure glad I didn’t listen to all those people.

We are blessed to be way ahead of schedule with our goals.
Markets go up and markets go down. One thing you can do is diversify. Some people say that diversification is the only "free lunch" in investing. Hopefully all the markets don't all go down together - though they sometimes do. Usually bonds do well (or better at least) when stocks do badly, but even that's not always true.

Last year the TSX (Toronto stock exchange index) outperformed the S&P 500. But it doesn't most of the time.

International stocks haven't outperformed in years. So I'm lurking there.

I don't make recommendations. But I read and I observe.

With time in the markets, keeping your costs low, and not flitting around too much, most people do fine. As Warren Buffett used to say, many years his investment strategy could best be described as "sloth".
 
Yes, I need to ease into the 10 year. I have enough TLT for now. UTEN or IEF I haven't decided however.

I switched my future 401K contributions for the first time ever (no rebalance, just new money). A small amount of withholdings will now go into PIMIX, seemed my best amongst limited options.
 
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