On Friday, Silicon Valley Bank failed. This is the second-largest bank failure in US history. The failure of Lehman Brothers on September 15, 2008, is widely considered to be one of the key events that triggered the 2008 global financial crisis. This started a series of dominoes to fall, that affected banks that had lent…
After some maneuvers, as mentioned in the last post, my portfolio is now only 16.5% cash. For all intents and purposes, I’m close to meeting my goal of being fully invested. Only a few more percent to go. I’m close to calling mission accomplished. I will find it increasingly more challenging to invest the rest…
I wrote in the last post that I was not satisfied with any of the so-called money market or short-term bond funds available in Europe. It was a real problem because I wasn’t comfortable investing more cash into risky assets. And there were no safe assets. Today I had a bit of an epiphany on…
In the last couple of days, I’ve decided to push some more money into the market in a very conservative way. Extremely conservative. I put 13.5% of my portfolio in Canadian ultra-short-term bonds using the BMO Ultra Short-Term Bond ETF (ZST). BMO Ultra Short-Term Bond ETF has been designed to provide exposure to a diversified…
HYLD was the single largest holding of my portfolio at 7.2% and gives off an attractive yield at over 13.4% of the cost. This yield was the best-yielding fund in my portfolio. And as much as I love the high yield, I have not been thrilled with how the fund has lost value over the…
Getting AI to write these things is addictive. I just want to say that I have put a significant amount of my cash into a short-term bond fund paying 4.5% per year. I’ll hold that until there is something better to invest in. But then I asked an AI to write that out for me,…
This post was written by an AI… Not bad, eh? Investing your spare cash into ultra short-term bonds might seem wise, especially given the current interest rates of around 4.5%. But before you make any investment decision, it’s essential to understand what ultra-short-term bonds are, how they work, and the pros and cons of investing…
A couple of years ago, I had to close out all of my stock/investment positions to become highly liquid. I was buying some real estate (with plans to sell some shortly after), and so I figured my life would be easier being in all cash for that time. Easier to get the down payment for…
A couple of weeks ago, I appreciated the cash that I had in my account in 2022. It probably protected me from a depressing year last year. And having too much cash seems like “an excellent problem to have,” all things considered. I thought perhaps having more cash would be a permanent portfolio feature. Probably…
When I initially set out to define my investment goals, I had bought into a prevalent belief: time in the market beats timing the market. And that’s generally true. Schwab published a study that showed that someone with absolutely perfect timing – investing $2000 at the low point of the index every year – just…
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