User talk:Peculiar Investor/Fixed income ladder

There is no need to use a CMF post for a fixed income ladder. It has had lots of very intelligent discussion on FWF. Look for threads with posts by Hymas.--Shakespeare 09:30, 13 December 2012 (MST)
 * The topic isn't covered on finiki yet and I've been meaning to create it for a while. scomac's post got me started, agree that mining FWF posts is the next step to further develop the article. Also using the article as bait for a potential new editor. --Peculiar Investor 09:40, 13 December 2012 (MST)
 * It's briefly covered in PD&C. http://www.finiki.org/wiki/Portfolio_Design_and_Construction#The_GIC_or_Bond_Ladder --Shakespeare 09:51, 13 December 2012 (MST)

The comment "With the GIC option, I have guaranteed myself at least a positive return over the time frame in nominal terms. With the bond fund, there is no such promise and I maybe faced with not just a negative real return, but a negative nominal one as well." is unfortunately incomplete. If a bond fund is held for longer than its duration, the interest rate sensitivity is removed. GIC ladders suffer from mental accounting and no secondary pricing which leads to a false comparison.--Shakespeare 10:01, 13 December 2012 (MST)
 * As the notice at the top of the article states, Please feel free to edit this page. Be bold! --Peculiar Investor 10:11, 13 December 2012 (MST)

I'll leave it for the time being, but recall that the *duration*, not the maturity, determines the "balance point" on holding a bond or bond funds, and should be used in all such comparisons.--Shakespeare 10:42, 13 December 2012 (MST)

I changed one section but a major rewrite is needed.--Shakespeare 19:34, 13 December 2012 (MST)