ISHG
iShares 1-3 Year International Treasury Bond ETF
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No it doesn't. If ISHG has a higher dividend the share price goes down by a higher amount.
Works if ISHG or LEMB have a higher div in late Dec and the money returns to SGOV.
Interesting idea - there is definitely some mismatch in dividend dates between iShares fixed income - say SGOV vs. ISHG or LEMB - although those 2 skip some years entirely. If the account is not taxable it could make sense but also seems like some extra work that might not amount to anything. Would be wild if big hedge funds or that math guy that died recently, Jim Simons, had some massive play around year-end fixed income divs.
The bond market and especially the international bond markets took an absolute bath in 2022 and have not recovered. If you look at total inflation-adjusted return, international bonds are indeed outperforming US treasuries, likely on the basis of the falling dollar: https://totalrealreturns.com/s/BWX,GOVT,SGOV,ISHG?start=2025-01-01 Note also that short-term bond funds are outpacing mixed/total-market funds. This is probably because long term bond rates are facing upward pressure as it becomes clear that nations across the world don’t and won’t have their financial houses in order, leading bond investors to demand more yield in compensation for the default risk. Increasing future long bond yields means the the lower rates of long bonds held in funds now are worth less, which pushes down the funds’ NAV. Right now my entire treasury exposure is ISHG, because I have no appetite for duration risk but am happy to take on currency risk with the dollar seemingly in free fall. YMMV.
Why Euros only? I use ISHG, 1-3 year international Treasuries from developed countries ex US.
The suggestions in this thread are pretty bad. You should diversify some of the SP500. SCHD for large US companies that are likely to be around in the long term and recover after periods of recession and inflation. SCHF international stocks in developed countries. USD money market pays a decent dividend. ISHG International short term bonds. Don't buy speculative assets like gold or BTC, that's gambling. Don't buy long term US bonds, the US Gov can no longer be trusted.
Easiest way may be though ETFs like ISHG which holds short term bonds from developed countries, mostly Europe. Otherwise with a broker that supports trading them directly, like interactive brokers.
Actually I don't like that one, as its tied to the USD. Of that's your goal, it's good If you don't want USD hedge, ISHG is my pick, or IGOV
Look at ISHG. It is a bit longer duration than what you are looking for as it is 1-3 yr international binds, mostly Europe and some Japan. The price is up quite a bit due to currency exchange rate changes. That would also apply to shorter duration bond funds.
I'm afraid of USD right now, but also wanted a larger cash position, so I did ISHG
That's not a diversified portfolio. You can lose big in a market crash. If it's in a retirement account you can rebalance without paying capital gains tax. This has nothing to do with timing the market, you need to start thinking in a more balanced portfolio that also includes significant cash to invest after the crash. I would add: Money Market, VTI, SCHD, ISHG, SCHF, BRK.B, MLPA Good luck! You will thank me.
Yes, that's what I'm thinking. I was looking around for ETFS, and came up with ISHG and IGOV. Do you have any thoughts on others?
FSPSX is where a large chunk of my S&P investment went (I still have a decent amount in the S&P). I moved more into bonds than I have been when I rebalanced and picked up IGOV and ISHG. I have some exposure to emerging markets in IEMG. That’s about 3/5 and the rest is in S&P or GUNR and some longer shot stocks I’ve picked up with some of my dry powder cash.
Diversified the fixed income side of my portfolio to roughly 1/3 TIPs, 1/3 Swiss francs (FXF), and 1/3 international developed treasuries (ISHG). I also upped my international exposure and reduced my domestic exposure on the equity side. I don’t intend to hold the Swiss francs indefinitely, it’s more of a parking place until I get a sense of how old this is going to shake out.
Im not a pro, but I bought some ISHG.
I like to use most of the finance subreddits as sounding boards. If I see someone with an idea similar to mine, I will give input and see what holes people can poke in it. I was planning on using BNDX as a hedge against USD instability. Someone corrected me that the fund was USD hedged with forward contracts at a set USD rate. I missed that when I read through the fund since I am as fallible as anyone. Now, I plan on using ISHG as soon as Powell gets the boot or his term is about to end. I don't pick my investments based on reddit analysis. There is a wealth of advice you can get from real professionals to develop your own strategy.
If you are gonna buy international bonds, make sure they are unhedged. BWX, ISHG, IGOV
BWX and ISHG instead of IGOV, which is currency hedged.
I'm currently holding 94% in IGOV. ISHG is a comparable international bond ETF with shorter duration (1-3 yr). I'm not invested in stocks right now due to tariffs and political uncertainty in the US. Will buy back if we regain the 200D MA, if tariffs are rolled back, or if SPY hits 480s. I do wonder though if you can get a better entry on IGOV and ISHG as they and the dollar have just made big moves
What do you think about ISHG?
Everyone asking what to do if Powell is fired. If you’re not already buying non USD denominated stocks or bonds, you’re an idiot. Three plays: ISHG - short term foreign treasuries. Basically just inverses DXY but also pays about 2% IBND - foreign corporate bonds. Pays a little more but there’s a bit of default risk there if things get really fucked VXUS - foreign stock. Riskier than the other two for obvious reasons but good if you think bonds are gay
IGOV is unhedged and this is why I own IGOV not BNDX. ISHG is short-term and unhedged
I'm building a small position in ISHG, short-term government bonds from EU, UK, Japan, etc. Not much yield, it's essentially just a hedge against USD losing value. [https://www.ishares.com/us/products/239829/ishares-13-year-international-treasury-bond-etf](https://www.ishares.com/us/products/239829/ishares-13-year-international-treasury-bond-etf) I also like international equities, gold, and BTC for hedging against USD. Tagging /u/[molski79](https://www.reddit.com/user/molski79/) and /u/[dragonfliesloveme](https://www.reddit.com/user/dragonfliesloveme/) since they asked about this below... Not financial advice, DYOR, etc.
Not advice, but I will tell you what I did: I bought ISHG.
All my money is in IGOV. It's a diversified ETF of international government bonds (developed markets). Essentially you're just owning a bunch of different currencies plus some interest. If the US dollar gets cooked, IGOV does well because those currencies do well relative to the USD. Plus as we are seeing US treasuries haven't seen the normal flight to safety. But a collapse in the US economy will bring the world with it and foreign bonds should do well. IGOV has 7 year average duration but ISHG is short term (1 - 3y) international government bonds. I'm up 36% YTD in my main account due to some successful SQQQ and SCC buys. Maybe I know something, may I'm just lucky
I bought ISHG because they are short term. If there is another spike in global inflation long bonds will crash.
Germany's T-bill equivalent is the "Bubill" (*Unverzinsliche Schatzanweisungen*). You can't buy them directly from the German government. For US/Canadian exchanges: * No specific German bond/Bubill ETFs exist. * Closest option: Short-term international bond ETFs like BWZ or ISHG. These hold bonds from many countries, including some German debt (likely short-term Bobls/Schätze, not just Bubills). * Buying individual Bubills might be possible via brokers like Interactive Brokers, but it's more complex and not exchange-listed. They might give you access to exchanges outside the US. I'm in NL and can just buy them through my broker on the Frankfurt exchange or Dutch bonds in Amsterdam exchange etc., so not really sure how it would work for an US citizen. Perhaps someone more knowledgeable can help here. In short: For an easy, exchange-listed option, look at diversified short-term international bond ETFs like BWZ, or maybe FLIA or BNDX, but know they aren't purely German Bubills.
Here's some thoughts from other posts: FXF ISHG IGOV BNDX. I haven't investigated any of these yet, but I'll definitely be doing so. So obviously, this isn't an endorsement, but simply some ideas. For me, that's based on despising crypto and being lukewarm about gold, real estate, commodities, and a a variety of other alternatives. Foreign bonds have been shit since forever, but it's also possible that this may finally be their day to shine.
I have been buying FXF since November. I also began investigating international treasuries. ISHG is a non-$ hedged ETF that holds short-term treasuries from developed markets. It pays a slightly higher dividend than FXF well and gives downside protection against the dollar. I’ve moved 1/3 of my fixed income allocation there for the sake of some diversification on the supposed safe side of my portfolio.
Another option would be ISHG https://www.ishares.com/us/products/239829/ishares-13-year-international-treasury-bond-etf It isn't Euro specific but it is an index fund which holds an mix of non-US sovreign debt. Note that it has lost a couple percent a year over the last five years due to the fact that dollar has risen. However in your case as a hedge it could work. If it does lose value it is because the dollar has continued to strengthen meaning your dollars are worth more Euros.
i dont see any available for corps, ISHG tracks short dated international treasuries
Hey moron, the bond market is bigger than just a single long term US Treasury fund. VTIP, ISHG, EMLC
Here are some ideas: ISHG, EMLC, VTIP, EWZ, VEU