So the only option I have for savings or investment is through this company. I put 1/4 of my funds into their high risk 80/20 stocks and bonds program, and the rest in their low risk, 20/80 stocks and bond program. Years back, they were saying the high risk program has yields of 5 percent. A year ago when I made the account, they said they were getting 10 percent yields. I've had negative 8 percent yields across the board, with the high risk portfolio consistently outperforming by about a percent. Did I just buy in during a bubble? On their site, they're still advertising rates well into the positives. I'm especially wondering how I'm managing to lose so much money on bonds. Aren't they a guaranteed (small) income? And if it's an average of the yields they get on all their bonds, shouldn't the average go back up now that the fed is raising interest rates? Or is that just not going to come into play until those new bonds are cashed in, years from now?
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