About the problem of direct bonds investments with big minimum nominal:
There is more and more fractional services - Trade Republic already allows fractional bonds (not tested, cannot registered on TR). Probably, there will be more and more services like this shortly.
Ishares have some ibonds in euros and usd now which helps to build a diversified bonds ladder with maturity date.
The balance of stocks/bonds depends on the risk acceptance of each individual. 60/40... 40/60... 30/70... check max drawdown with tools like Portfolio Visualizer even if we don't know the future... we have a historical basis.
I remember this discussion in 2021 when rates were very low and you took me for an idiot:
"You get it. Holding to maturity all day"
There is more and more fractional services - Trade Republic already allows fractional bonds (not tested, cannot registered on TR). Probably, there will be more and more services like this shortly.
Ishares have some ibonds in euros and usd now which helps to build a diversified bonds ladder with maturity date.
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www.ishares.com
The balance of stocks/bonds depends on the risk acceptance of each individual. 60/40... 40/60... 30/70... check max drawdown with tools like Portfolio Visualizer even if we don't know the future... we have a historical basis.
Funny to read this today.Bond picking is extremely risky due to interest rate risks. I exited my AAA government bonds before rate rises. I would be sitting on 30-35% of capital lose or more if I didnt time it right...lol.
I remember this discussion in 2021 when rates were very low and you took me for an idiot:
Question - Cash-equivalent investment
"I have all my money in AAA 30year Euro government bonds from Netherlands and Germany that I bought well over a decade ago yielding me around 4%." So you have bought your bonds before 2011-2013. "yielding me around 4%" Not sure if I have well understood, but today the yield is no more 4% on...
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