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Disclaimer: I'm not a financial adviser, nor does my investment strategy work for everyone.
I'm a proponent of ETFs. If you want to research that route, Vanguard's BND is one you might want to look at. It carries over 5000 bonds, two thirds of which are govt, one third of which are corporate. Expense ratio is 0.10 (if you're new to investing, actively managed funds are 0.8-1.5 typically.
That said, bond funds are not a magical guarantee of principal protection and growth. They can lose value. If you don't have another emergency fund in cash or equivalents, most people would advise funding that first. BND has averaged about 5.8% annual return over the last 5 years. It pays a monthly dividend, which annually is about 2.6%.
This is not meant to steer you in that direction. Once you research this fund (MSN Money, CNBC, etc), your research will grow legs to look at other ETFs and perhaps actively managed funds.
This thread has made me really nervous to graduate college. I can't believe in just a couple months I will be out in the real world and have to worry about all of these things.
The 2-3 years after college are a magical, magical time. Don't sweat it. It's like college with more money.
Yeah having money sucks when compared to eating Roman Noodles for dinner.
Roman noodles are awesome. You haven't lived until you have a good carbonera or cacio e pepe.
I think his concern is converting from waking up drunk next to morally questionable girls, to punching a time clock. Most college-grads-to-be don't realize you can ride the irresponsible train til 26 minimum.
Yeah college is amazing but you'll look back at 22-27 as your prime. You get to do adult fun things (cause you have money now) along with the dumb irresponsible things you already were doing in college.
Wbonnington, a brief synopsis of a post college story. It's 2004 and me and all my friends are 1-4 years removed from college. Like 72 hours before the Miami fb game we all decide to go to South Beach. By Sunday, two people had puked very much in public, most people hooked up with strange, and a 25 year old peed the bed.
Don't sweat the next few years.
This post was edited by PKP 313 15 months ago
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