Portfolio Three Updated June 2020

Portfolio 3 is 12 1/2 years old.  The beneficiary contributed $6500 and the trustee $13,200 for a total fo $19,700.  The current value is $26,476 for a gain of $6776 or 34%, which is 4.2% / year adjusted for the timing of cash flows.  See the summary here or at the link.

This portfolio, like portfolio 2, switched to ETF’s.  This portfolio has less cash and a higher proportion in BND, which is good since the yield on cash has dropped to a low 0.3% with the return of ZIRP.