Alain Guillot

Tag: bonds

  • Now (and always) is the worse time to invest in bonds

    Now (and always) is the worse time to invest in bonds

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    Anytime anyone consults a financial adviser, two things typically occur: We’ve discussed point #1 in previous posts. Financial advisers invariably promote funds with high expense fees because they receive kickbacks known as trailer fees, which constitute a significant portion of their income. However, it’s important to note that these trailer fees come out of your…

  • 008 Bonds vs Stocks. Age is not the important factor

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    How much should you have in Bonds Vs Stocks? When it comes to asset allocation, stocks vs. bonds, almost every money management book I have read suggests that a person should have a higher percentage of bonds in their portfolio as they grow older. All of those books use age as the major determining factor.…

  • At what point should you start adding bonds to your portfolio

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    I advocate not to have bonds in a portfolio, but the conventional wisdom is to have a portfolio of stocks and bonds. Let’s clarify a few points: Stocks are not more risky than bonds in any 10-20 years time period, they are just more volatile. Stocks produce a higher return than bonds. If stocks are…