Yes, thanks. SPIA would be good candidate. I like the deferred part but don't like that it results in the higher tax rate income instead of lower tax rate capital gain. But may be one can keep deferring till they are in low tax bracket.A DIA Iis an SPIA which delays your usually taxable income stream. Is that what you mean by deferred annuity?Hi,
I am trying to find the investments with following constraints.
- 1 risk: that are much lower risk compared to equities. The risk level can be close to US treasury or can be low risk equity ETF. The risk should be lower than total stock market.
- 2 income: They must not generate any income. That means total bond market doesn't meet the condition.
- 3 cost/expenses: As you expect the cost or expense ratio must be low.
These are candidates to be held in the taxable account while investor is still in acculturating phase.
- 4 return: The total return should be greater or equal to 10 year US treasury yield.
Here is a list that I believe are good candidates that satisfy above constraints.
1) BOXX ETF
2) Deferred Annuity. I don't understand them well. I would love to hear some specific example if anyone has that satisfy above constraints.
3) i-Bonds. It may not meet the criteria 4) but I still put it here.
Thanks,
babystep
Statistics: Posted by babystep — Sat Jul 20, 2024 12:39 pm — Replies 5 — Views 177