Trust Funds For Kids

Tag: CD’s

  • Portfolio Two Updated July, 2018

    Portfolio two is almost 14 years old.  The beneficiary contributed $7000 and the trustee $14,200 for a total of $21,200.  The current balance is $39,012 for a gain of 84% or ~8% / year when adjusted for the timing of cash flows.  You can see the detail here or at the link on the bottom.…

  • Basic Investing Plan Updated June 2018

    This is an update to my “basic investing plan” to take into account market shifts.  As always do your own research and make your own investing decisions. This is a plan for a reasonably sophisticated investor; the goals include: Diversity among investing classes A few representative investment choices to allow for differing levels of risk…

  • CD’s and Money Market Funds As of June, 2018

    For many years’ the USA (and much of the developed world) offered very low interest rates on accounts with low risk (guaranteed accounts).  The policy was known as “ZIRP” or “zero interest rate policy”. As a result of ZIRP, this author started exploring CD’s purchased through a brokerage, which offered a couple of percentage points…

  • Buying CD’s Through a Brokerage Account

    As part of my “basic investing plan“, this site describes how to buy CD’s through your brokerage account. Buying CD’s through your brokerage is the same as buying them through your bank, except that you typically receive a much higher interest rate. When a bank sets up a CD or savings account and markets it…

  • Portfolio Two Updated August 2017

    Portfolio Two is our second longest lived portfolio.  This portfolio has been converted to ETF’s and a CD.  Beneficiary investment is $6500, trustee investment is $13,000 for a total of $19,500.  Current value is $34,290 for a gain of $14,790 or 76%, which is 7.8% over the life of the fund annualized.  Go here or…

  • Portfolio 2 Updated April 2017

    Portfolio Two is 12 1/2 years old.  The beneficiary contributed $6500 and the trustee $13,000 for a total of $19,500.  The current value is $33,334 for a gain of $13,834 which is 71% or 7.4% / year when adjusted for the timing of cash flows.  You can see the portfolio detail here or go to…

  • Portfolio Two Updated January 2017 – Tax Time

    Portfolio 2 is our second longest lived fund, at over 14 years.  This fund has transitioned from individual stocks to an ETF and CD mix.  The beneficiary contributed $7000 and the trustee $14,000 for a total of $21,000.  The current value is $32,151 for a gain of $11,151 at 53% or about 5.5% / year…

  • Portfolio Two Updated October, 2016

    Portfolio 2 has a value of $31,055.The beneficiary contributed $7000 and the trustee $14,000 for a total of $21,000. This portfolio has a $10,000 CD to provide stable value and 2 core ETF’s. This year a biotech ETF was added, as well.

  • On Investing

    Investing has changed significantly during the 25 or so years that I have been following both the market and also the tools available for an investor to participate within the market.  The following trends are key: The cost of trading and investing has declined significantly.  Trades used to cost more than $25 and now are…

  • Portfolio Two Updated March 2016 – Tax Time

    Portfolio Two is our second longest lived portfolio, at 11 1/2 years old.  The beneficiary contributed $6500 and the trustee $13,000 for a total of $19,500.  The current value is $27,814 for a gain of $8,314 or 43%, for a rate of return of 5.2% adjusted for the timing of cash flows.  You can see…