I have a 20% bond allocation across my retirement accounts, and have held bond ETFs for years. My main holding is MUB (muni bond fund).
These have never done great and were bought before interest rates dropped, so I’m down 10% and yield is only 2.4% or so.
Should I cut my losses and dump it all in ~5% CDs, or ride out the interest rate fluctuations? Aside from better rates, Part of my desire to move to CDs is I find it easier to reason shot gains vs comparing dividend yield vs ETF gain/loss.
Anyone feel strongly one way or another?
I
Submitted May 19, 2024 at 12:28AM by After-Jellyfish5094 https://ift.tt/089nMUC
