Word: vanguards
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Dates: during 2000-2009
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...RETHINK SHORT-TERM SAVINGS. You pick up an extra point of yield switching from a money-market fund to a short-term bond fund. Best bet: a low-expense fund with securities that mature in two years, like Vanguard Short-Term Treasury and Pimco Low Duration. They carry only minimally more risk than a money-market fund...
...rule, any money you will need in the next three years should be in cash or cash equivalents such as the Vanguard Short-Term Treasury fund. Money needed in three to seven years is best parked in intermediate-term bonds or bond funds. Preferred stock as well as bonds convertible into stock fit here too, offering decent yields and, in the case of "converts," a shot at capital gains if the market shoots higher. Consider the Northern Income Equity fund. Some blue chips now offer dividend yields of 5%. For those in the top tax bracket, short-term tax-exempt...
...SPREAD YOUR BETS Even if you want to pick individual stocks, placing most of your equity investments in a broad index fund, like Vanguard Total Stock Market, remains the best way to keep a corporate crook from blowing the bulk of your wealth to bits. And remember: it's at frightening times just like these that stocks offer the highest future returns. So cover yourself but don't bail out of the market entirely. --By Jason Zweig. With reporting by Cybele Weisser
...inflation rate. Put them in your IRA or other retirement account, where their quirky tax features won't "drive you stark raving mad," as Loomis Sayles Bond Fund manager Daniel Fuss puts it. You can buy tips directly from the government, at www.publicdebt.treas.gov/sec/seciis.htm or in a fund from Vanguard or Pimco...
...taxable account, municipal bonds look good right now, says Vanguard's McKinnon. Low-cost muni funds are available from Vanguard, as well as from Fidelity, T. Rowe Price and USAA, with yields of 3% to 4%, tax free. McKinnon also likes REIT funds, which invest not in bonds but in the income-rich shares of real estate investment trusts. Vanguard's REIT fund yielded 5.3% last year; another economical choice, Cohen & Steers Realty Shares, yields...