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Harry Sit
Building a Bond Ladder with Individual Bonds and ETFs
Bond funds had their worst calendar-year return in several decades in 2022. The broad market index was down 13% that year, while the S&P 500 was down 18%. People were disappointed that bonds didn’t hold up when stocks were down. They’re doubly disappointed that bonds still haven’t fully recovered from the losses in 2022 as of mid-November 2025, while stocks have not only recovered but are up nearl
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My Financial Toolbox: The Nuts and Bolts of Managing Your Money
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Explore TIPS: A Practical Guide to Investing in Treasury Inflation-Protected Securities
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* Note: these are all the books on Goodreads for this author. To add more, click here.
“1% or 2% sounds small until you multiply it by the size of your investments. 1% on $500,000 is $5,000 per year, every year. 1% on $1 million is $10,000 per year, every year. As your investments grow with the market, the fees automatically grow. Especially for retirees with large accumulated assets, paying a percentage of investments is very expensive.”
― My Financial Toolbox: The Nuts and Bolts of Managing Your Money
― My Financial Toolbox: The Nuts and Bolts of Managing Your Money
“Although both 0.1% and 1% look like small numbers, paying 1% versus 0.1% makes a big difference over one’s lifetime. If you invest $10,000 a year for 40 years, and you pay 1% a year versus 0.1% a year, all else being equal, you’ll have 20% less at the end of 40 years.”
― My Financial Toolbox: The Nuts and Bolts of Managing Your Money
― My Financial Toolbox: The Nuts and Bolts of Managing Your Money
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