Thanks for your post, Matt. Your statement that "the primary advantage of individual bonds is certainty" made me recall a blog post I'd read back in January that said there is essentially no significant difference in the cashflow, yields, and portfolio values when comparing individual bonds vs bond funds. I'll attach a link. I'd be interested in your thoughts. https://bestinterest.blog/bonds-vs-bond-funds/ Thanks!
The last time major changes were required to keep Social Security solvent was when the trust fund was estimated to run out by the summer of 1983. A bipartisan commission spent most of 1982 developing reforms that weren’t approved by Congress and signed into law until the spring of 1983. I’ll think they’ll fix it this time, too, but not anytime soon.
Comments
Thanks for your post, Matt. Your statement that "the primary advantage of individual bonds is certainty" made me recall a blog post I'd read back in January that said there is essentially no significant difference in the cashflow, yields, and portfolio values when comparing individual bonds vs bond funds. I'll attach a link. I'd be interested in your thoughts. https://bestinterest.blog/bonds-vs-bond-funds/ Thanks!
Post: Bonds vs. Bond Funds
Link to comment from June 16, 2026
The last time major changes were required to keep Social Security solvent was when the trust fund was estimated to run out by the summer of 1983. A bipartisan commission spent most of 1982 developing reforms that weren’t approved by Congress and signed into law until the spring of 1983. I’ll think they’ll fix it this time, too, but not anytime soon.
Post: Plan for a Pay Cut
Link to comment from December 26, 2025