IGBH

specter578

Excellent response. THANKS. Do you recommend anything in-between SGOV and IGBH? Perhaps yielding 5% instead of 6%, or with similar yield with less duration risk?

TomALPHATrades

Be really careful here—you are confusing **Zero Duration** with **Zero Risk**. IGBH isn't a savings account substitute like SGOV; it's a specific bet on credit spreads. While it hedges out the interest rate risk (by shorting Treasuries), it leaves you completely exposed to **Credit Spread Duration**, which is still massive (around 12 years). Here is the problem with using it for "safety": In a recession or market crash, corporate spreads blow out (prices drop) while Treasuries usually rally (yields drop). Because IGBH is *short* Treasuries to hedge, you miss out on that Treasury rally protection. You take the full hit on the corporate bond price drop without the usual flight-to-safety buffer. It effectively behaves like an equity proxy, not cash. If you want a safe place for savings, stick to SGOV or TBIL. Only touch IGBH if you are specifically betting that the economy will remain strong and credit spreads will tighten.

SeymourGlassy

10,000 SSSS 4,000 NCLH 3,000 HBAN 1,000 KRE 40 DIA 200 FRC (for fun) 2,300 IGBH 500 SQQQ Go easy on me. The killer is SSSS , bought at $6. Down to $3. But I think hope and pray it will eventually recover as their a VC fund with decent cash and $16 mill to do buyback by September. Overall down 40% and sweating it. Any advice is welcome. Would like to at least get back to even in 3-5 years. Retire in 12 years or start working at Wendy’s.

moMoPIZA

There's even a goverment bond giving out 7.12% investment grade corporate bond ETFs IGBH, IGHG, and LQDH have great return too.

DuckieBasileus

I started investing in the beginning of June following boglehead 3 etf philosophy and I'm hoping to diversify into stocks since I've learned a lot. * 44% VTI : Total Domestic Market ETF. Definitely need to sell some for diversity, but Idk how much * 19% VXUS: Total Intl Market ETF. International exposure is important but China keeps cracking down on tech and its down. Bitter pill you just have to swallow and get through * 10% XLK: Tech SPDR ETF. Tech is hot, and he had been by best performer * 8% IGBH: Bonds ETF. I know I need them, so I got 'em * 4.5% GOOG: I really like google, its reliable and growing. * 4% VBR: Domestic Small Cap ETF. Up until I had invested, Small caps were killing it. VBRs been down for past two months. Inflation and delta aren't helping it * 1% BABA: I bought Alibaba on the dip, and its rebounding. Its my first stock ever and I thought it was good. China risk is there but I feel BABA was a warning rather than DIDI's expected death hammer * <1% UPST: Its a growth stock. Higher risk so lower amount in there. * 9% Cash Altogether I have %5.5 in Mega Cap stock internationally and domestic and 85% in ETFS. I need to trim VTI, VXUS, and very likely VBR. I'm favoring looking more into SCI, NET, and GW right now from the myriad of stocks out there. Any advice is appreciated

FailingEfficiency

REITs are more equity like than bond like. I would still use them but for a portion of your equity. Gold doesn’t yield anything so is more sensitive to interest rate increases than bonds. It also doesn’t have the same inherent growth/upward trend that stocks have so you have to buy low sell high and manage the position to make money. If you’re worried about inflation and interest rates look at IVOL and IGBH