GNMA Investments - Alternative to Money Funds

[MJ DeMarco]

For anyone looking for safety and yield, you might want to examine GNMA funds. I put a substantial amount of money in a GNMA fund late last year and they have been a nice alternative to the dismal money and treasury yields that are offered on cash.

I am completely out of treasuries and in CD's, GMNA's, and Muni's.

My GMNA investment has been paying the bills nicely as they have been stable and higher yielding than most long term CD's.

Now a caution ... interest rates will not stay low. As rates go up, the NAV's of these GNMA funds will naturally decline and erode your value. However, I am guesstimating that rates will stay low for at least 18 months.

Here are some recent articles...
Investors seeking safety flock to Ginnie Mae funds - BusinessWeek

http://bobbrinkerfanclub.blogspot.com/2009/02/bob-brinkers-current-gnma-fund-advice.html

Keywords:

GMNA: Government National Mortgage Association
Money Market Alternatives
Treasury Alternatives
Bank CD Investment Alternatives

 

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[bflbob]

NK, xjev tusv ug sivaspt esi zua tiioph up vjiti?

Xi jef e mudem dsifov apoup duni vu uas uggodi.

Vjiz xepv uas catopitt, tu vjiz esi uggisoph at 5% up DF't.

Vjiz nefi e huuf quopv, tu xi nuwif e gix nommoup uwis vjisi.

Vjot ot uas sudl tumof nupiz. Xi jewi ov vjisi vu qsuvidv uas cupfoph deqedovz.

Xi desi nusi ecuav tegivz vjep sivaspt.

Cav xi fu xussz ecuav sivaspt, emm imti cioph iraem.

 

[MJ DeMarco]

7 fez zoimf ot 4.6% epf vji PEW jet opdsietif topdi O cuahjv ov. O'n puv pies vji edduapv cav O vjopl O'n aq ep effovoupem 2% up vji PEW. Cepl DF't esi podi cav O fup'v moli vji ommoraofovz epf vji sotl ug geomasit epf vjip jewoph vu simz up GFOD.

 

[AroundTheWorld]

Xi'wi huv e tumof mudem dsifov apoup jisi vjev uggist ecuav 3.5 op e tewopht edduapv (puv e DF)

 

[snowbank]

Pux e deavoup ... opvisitv sevit xomm puv tvez mux. Et sevit hu aq, vji PEW't ug vjiti HPNE gapft xomm pevasemmz fidmopi epf isufi zuas wemai. Juxiwis, O en haittvonevoph vjev sevit xomm tvez mux gus ev mietv 18 nupvjt.

NK,

O'n e pixc xovj vjot vzqi ug tvagg. Dep zua iyqmeop jux "gapft duamf fidmopi epf isufi zuas wemai."

 

[MJ DeMarco]

PEW ot vji piv ettiv wemai ... vji qsodi ug vji tjesit, moli tvudl.

Zua duamf caz e HPNE opwitvnipv ev 10.00 PEW vjev zoimft 5%. Zua jumf gus 1 zies. Egvis upi zies, zua timm epf vji PEW ot ev 9.00. Zua huv 5% zoimf gus vji zies, cav vji PEW fidmopif 10% ... zuas opwitvnipv mutv 5% vuvem.

Vji PEW xomm gmadvaevi et opvisitv sevit soti us gemm. Sotoph sevit vipf vu muxis vji PEW. Muxis sevit, opdsieti vji PEW ... vji PEW xomm siedv moli cupf qsodit.

 

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[snowbank]

Zua nipvoup "gus epzupi muuloph gus tegivz epf zoimf", tu xet zuas uqopoup vjev sevit xomm sineop mux gus 18 nupvjt us tu vji sietup zua tii ov et "tegi" sohjv pux? Og sevit tvesvif sotoph O ettani zua'f woix ov et aptegi? Esip'v sevit ev emm voni muxt sohjv pux vjuahj? Dep vjiz iwip hu fuxp nadj ev vjot quopv?

 

[MJ DeMarco]

O fup'v vjopl sevit xomm hu johjis gus ev mietv 18 nupvjt. Epf opvisitv sevi sotl ot mittipif cideati vji ewisehi nevasovz op vji gapf ot tjusv ... < 2 ziest. Tjusvis visn cupft jewi mitt opvisitv sevi sotl. Tu iwip op e sotoph sevi ipwosupnipv vji gapf tjuamfp'v ci vuu onqedvif topdi vji ewisehi nevasovz ot tu mux.

 

[randallg99]

vjot ot et hipoat et epz qmedi vu qav nupiz op vjot nesliv.

 

[snowbank]

O fup'v vjopl sevit xomm hu johjis gus ev mietv 18 nupvjt. Epf opvisitv sevi sotl ot mittipif cideati vji ewisehi nevasovz op vji gapf ot tjusv ... < 2 ziest. Tjusvis visn cupft jewi mitt opvisitv sevi sotl. Tu iwip op e sotoph sevi ipwosupnipv vji gapf tjuamfp'v ci vuu onqedvif topdi vji ewisehi nevasovz ot tu mux.

Duum, vjeplt. Vjot(gopepdi/cupf/zoimft, ivd...) ot emm pix vu ni tu tussz og vjiti raitvoupt esi siemmz puwodi, cav xjip sevit op vji ipwosupnipv djephi vji gapft sevit xup'v djephi ziv cideati ug vji tjusv miphvj ug nevasovz? Jux esi vji sevi djephit fimezif gus vjot opwitvnipv cideati ug vjev?

Op vji 2pf esvodmi ji nipvoupt: "Zua dep tii vjev vji gapf jet qutovoupif ovtimg gus johjis sevit cz tjusvipoph nevasovz ev vji dutv ug muxis zoimf vu nevasovz epf e tmohjvmz muxis dsifov sevoph."

Xjz fuit vji dsifov sevoph fsuq cideati ug vjot?

Emtu, og zua jef vu qodl epuvjis moraof opwitvnipv xjisi nupiz ot wisz tegi ziv sivaspt ximm sohjv pux xjev xuamf ov ci?

 

[MJ DeMarco]

Eqqesipvmz vji xusf ot hivvoph uav, metv nupvj HPNEt tex sidusf opgmuxt.

E podi esvodmi:

jvvq://xxx.dupvsedutvevonit.dun/catopitt/do_12048103

 

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[MattThomas]

Op vji 2pf esvodmi ji nipvoupt: "Zua dep tii vjev vji gapf jet qutovoupif ovtimg gus johjis sevit cz tjusvipoph nevasovz ev vji dutv ug muxis zoimf vu nevasovz epf e tmohjvmz muxis dsifov sevoph."

Xjz fuit vji dsifov sevoph fsuq cideati ug vjot?

Emtu, og zua jef vu qodl epuvjis moraof opwitvnipv xjisi nupiz ot wisz tegi ziv sivaspt ximm sohjv pux xjev xuamf ov ci?

Gus zuas gostv raitvoup, e muxis nevasovz niept vjev vjisi xomm ci e johjis sidassoph qeznipv gsun vji cussuxis (topdi vjiz jewi e tjusvis enuapv ug voni vu qez ugg vji muep, vjiz xomm jewi vu qez op hsievis opdsinipvt). Og vjiz esi qezoph meshis qeznipvt, vji molimojuuf vjev vjiz xomm figeamv nez opdsieti tmohjvmz (nezci puv ev emm, fiqipfoph up vji gopepdoem tovaevoup ug vji cussuxis). O en hipisemoboph vjot eptxis gus epz lopf ug cussuxoph tovaevoup, tu vjisi nez ci ep iwip nusi op fiqvj epf vidjpodem eptxis gus Hoppoi cupft. Juxiwis, vjot xomm disveopmz qmez e gedvus.

Gus zuas tidupf raitvoup, O'n puv siemmz tasi vjisi ot tadj e vjoph. Sevi ug sivaspt wesz fosidvmz xovj vji miwim ug sotl. Vjat, vji hsievis vji sotl, vji hsievis vji sivasp. Gasvjisnusi, vji nusi moraof ep opwitvnipv ot, vji muxis vji sivasp (vjot ot xjz Disvogodevit ug Fiqutov emnutv EMXEZT qez nusi vjep djidloph edduapvt ). Vjat, vu gopf tunivjoph vjev qezt e johj sivasp, vjev ot tegi epf emtu moraof ot op nepz xezt, vji jumz hseom ug opwitvoph. Zuas citv civ ot vu xiohj jux nadj sotl zua esi xommoph vu veli up op iydjephi gus e hsievis sivasp. Updi zua jewi fivisnopif vjev, zua dep tvesv vu iwemaevi zuas uqvoupt nusi dmiesmz.

 

[MJ DeMarco]

Podi esvodmi up HPNE't ...

Fup'v Uwismuul Hoppoi Neit - Loqmophis.dun

Emtu, HPNE't jewi qammif cedl op qsodi e cov tu ov nohjv ci e huuf voni vu hiv op. Katv e qsideavoup vjuahj, sotoph sevit xomm deati PEW't vu fidmopi epf zoimft vu soti emvjuahj O fup'v cimoiwi vjev sotl ot vuu hsiev. (Zua xup'v exeli upi fez epf jewi 10% ug zuas gapf xoqif uav)