Have

Interest Rates

Bottomed?

DYI:  Have long term interest rates bottomed out ending the bond bull market that begun September 30, 1981 at 15.84%?  The only way rates will drop below is for the economy to experience a massive deflationary downturn.  Obviously anything is possible and with all of the imbalances it is an event with some degree of probability.  Be as that is rates continue to be way below their average [since 1871 for 10 year T-bonds] of 4.57%.  Until rates move up our averaging formula will only allow a modest position in long term bonds.  Simply put DYI is a compounding site for long term investors that is more concerned with making money when you buy as opposed to the speculator when he sells.  Compounding is DYI’s first priority any capital appreciation is simply gravy for the 7^th wonder of the world is compound interest!

Updated Monthly

AGGRESSIVE PORTFOLIO - ACTIVE ALLOCATION - 5/1/18

Active Allocation Bands (excluding cash) 0% to 60%

64% - Cash -Short Term Bond Index - VBIRX

29% -Gold- Precious Metals & Mining - VGPMX

 7% -Lt. Bonds- Long Term Bond Index - VBLTX

 0% -Stocks- Total Stock Market Index - VTSAX

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  DYI