TIPS
TIANRONG INTERNET PROD SV
stock OTC

There are multiple reasons why you might have several accounts: separating pre-marriage assets, keeping balances that qualify for perks (e.g., BofA preferred rewards), separating rollover assets for easier asset protection tracing, and accessing superior features (e.g., Fidelity’s immediate Roth conversions and TIPS availability). We do all of those, and others may have more reasons.

When it's all crashing and there is blood everywhere, Buy,Buy,Buy,Buy,Buy then buy some more!! When everyone is dumping their bags at a loss you buy at a discount, it's the only way true money is made, be fearless!!! The Stock market will always bounce back, sure you might have to wait 18 months to see those massive gains but as long as you buy good quality and proven stocks and ETF's you will thank me later.. like this past Crypto crash!! Blockchain and RWA's are not going ANYWHERE!! ITS ALMOST GUARANTEED THAT CHAINLINK ALONE WILL AT VERY LEAST HIT ITS ALL TIME HIGH AGAIN, SURE IT MIGHT BE IN 2029-2030 BUT STACKING OVER 1,000 AT 7 AND 8 BUCKS, AT ONE POINT I WAS UP $12,000 IN PROFIT AND THAT WAS AN ENTRY POINT OF $11 DOLLARS!! I WATCHED IT CRASH I GOT DRUNK AND SAID FUCK IT, DROP $250 A MONTH AT 7-8 BUCKS.. SOME SAY IT WILL EVEN HIT OVER $100 AT SOME POINT BEFORE 2030!! ITS IN THE TOP 15 CRYPTOS, AND ITS LITERALLY THE PIPELINE THAT MAKES THE ENTIRE CRYPTO SPACE AND CROSS CHAIN INTEROPERABILITY WORK, AND NOW HAS PARTNERSHIPS WITH HUNDREDS OF GIGANTIC CORPORATIONS AND IS NOT GOING ANYWHERE!! IT IS 100% THE MOST UNDERVALUED CRYPTO ON THE LIST!!! WAIT UNTIL THEY ANNOUNCE SOME SHIT LIKE THEY ARE GOING TO MANAGE DATA BETWEEN AI AND DATA CENTERS!! THATS THE NEXT BIG THING THAT IS CURRENTLY IN THE WORKS!! DATA CENTERS FOR THE AI BOOM!! AND POWERING THEM, LMAO I MADE $4,000 IN 25 MINUTES A FEW MONTHS AGO ON "BITFARMS" SOLD MY BAG 💰 20 MINUTES BEFORE IT CRASHED!! THEN REBOUGHT AT $2 BUCKS AND HOLDING FOR 5 YEARS!! IT WILL COME BACK WITH TIME!!! ALL OF THE BIG BOYS BOUNCE BACK,, TIME IN THE MARKET TRUMPS ALL!! AND MOST OF US MIDDLE CLASS INVESTORS CAN NO LONGER MAKE MONEY IN THE BIG 10, UNLESS YOU HAVE A HUNDRED GRAND TO DROP ON NVIDIA, OR GOOGLE, ECT DROPPING $3,000 BUCKS INTO APPLE STOCK IS NOT ENOUGH TO MAKE LIFE CHANGING MONEY OVER A 2-5 YEAR TIME SPAN!! YOU NEED
$3 MILLION! WAKE UP AT 8:30 AM EASTERN TIME, OPEN UP YOUR ROBINHOOD APP AND HIT THE SEARCH KEY LIKE 5 MINUTES BEFORE THE OPENING BELL, THEN CLICK ON THE BIGGEST GAINING STOCKS FOR THE DAY!! DO SOME FAST RESEARCH ON THE COMPANIES, GRAB A NOTEBOOK 📓 DO SOME QUICK MATH THEN PICK ONE THEY GENERALLY PUMP FOR A FEW HOURS HEAVILY!! IVE MADE $500+ BUCKS WHILE HAVING COFFEE AT LEAST 10 TIMES DOING THIS . THEN JUST SELL, YES IVE MISSED OUT ON HUGE GAINS BY SELLING TO EARLY IN THE DAY BUT HEY IF I CAN TURN $150 INTO $500 BEFORE I EVEN LEAVE FOR WORK IM COOL WITH THAT , THEN I TAKE THE 500 AND DUMP IT 50/50 INTO NVIDIA AND VOO OR QQQ, I ALSO THINK RIOT PLATFORMS IS GOING TO DO AMAZING THINGS IN YEARS TO COME!!!! WE LIVE IN AN AGE WITH ABSOLUTELY LIMITLESS INFORMATION AT OUR FINGER TIPS ON A DAILY BASIS AND 99.99% OF PEOPLE WILL USE THEIR TECHNOLOGY TO WATCH FUNNY CAT VIDEOS!! I ALWAYS SAID IF YOU GAVE SMARTPHONE'S TO MY GENERATION BACK IN THE EARLY 90's WE WOULD HAVE TAKEN OVER THE WORLD!! GEN Z USED THE INTERNET TO SCROLL THROUGH MEMES LIKE ZOMBIES!!!!!

Muni bonds are riskier than Treasuries. That risk also often shows up when stock risk does, making them subotpimal rebalancing partners. I wouldn't hold more than 5-10% of a portfolio in them. I also live in a high-tax state and held munis for a while then decided they just aren't the kind of diversification I'm looking for in bonds. Now I hold exclusively Treasuries, TIPS, Series I and EE savings bonds and those work well for me.

Been looking at bonds trying to figure out if they make sense in any way shape or form short and long term. They do not. The market rate fluctuations if you wanna sell the bond prematurely are so unpredictable that the chance to lose money is fairly high even after holding for years.
You could buy and cycle 2-3 year bonds to lock down the interest if rate cuts are expected (long yields are so unpredictable right now, they may rise even when the fed cuts rates unless they ramp up QE). This reduces duration risk but still gives upside if a panic forces sudden rate cuts. Even if rates get hiked (for example due to inflation) you lose out a little bit but not too much. That you can just hedge with an overnight money market fund or hysa. Depends what you think is more likely.
Overall i think i prefer the risk profile of longer dated TIPS right now.
Longer dated bonds are kinda shit because long yields won't come down without QE or a massive crash. If you expect QE just buy gold instead. If you expect a crash followed by collapsing rates (the ideal fantasy case) then do build a bond position.
I feel like TIPS are a weirdly good middle ground.

I recently saw Robert Kessler talking about going all in on STRIPS as a retirement investment strategy. I wasn’t persuaded, but he did cause me to wonder whether a small STRIPS commitment could be useful.
I am weighing two specific allocations for a hypothetical $1M tax-advantaged account. I’m trying to determine if the potential "rebalancing alpha" from a high-convexity bond tilt is worth the structural yield drag.
The Baseline Portfolio:
• 85% AOA (iShares Aggressive Allocation - 80/20)
• 10% VTIP (Short-Term TIPS)
• 5% SGOV (0-3 Month Treasuries)
• Characteristics: High dividend/interest yield, steady compounding, simple.
The "STRIPS Tilt" Portfolio:
• 75% AOA
• 10% ZROZ (PIMCO 25+ Year Zero Coupon Treasury)
• 10% VTIP
• 5% SGOV
• Characteristics: Lower yield, extreme negative correlation potential during crashes.
The Strategy:
The goal of the second portfolio is to use ZROZ as a "volatility spring." I am intentionally trading 10% of AOA’s equity growth and dividend yield (a "drag" of roughly $2,500–$3,000 annually) for the potential of a 30–50% windfall spike during a flight-to-safety event. The plan is to capture that price appreciation through a rebalance back into the equity side during periods of high market stress.
Questions for the Forum:
1. Yield Drag vs. Rebalancing Alpha: On a $1M portfolio, am I likely to lose more in compounding dividends over 5–10 years than I could realistically gain from a single "super-rebalance" out of a ZROZ spike?
2. The "Spring" Tension: In the ZIRP era, STRIPS had nowhere to go but down. With long-term rates now around 4%, is the asymmetric upside of ZROZ now high enough to justify the 10% tilt?
3. Inflation vs. Recession: 2022 showed that STRIPS can crater (-40%) when stocks and bonds move in tandem. Is this tilt too risky for a retiree, or is the 15% VTIP/SGOV sleeve enough of a "safe haven" to allow for a 10% bet on duration?
4. Portfolio Utility: Is there a compelling reason to stick with the 85/15 baseline and rely on the lower-volatility 15% sleeve for rebalancing, or does the added convexity of the 10% ZROZ slice offer a distinct enough diversification benefit to justify the complexity?
I’m interested in whether this "barbell" approach (Global Equities + Cash + High-Duration STRIPS) is seen as a legitimate hedge or just over-engineering a portfolio that would be better off in a simple 80/20 or 70/30.

There are multiple reasons why you might have several accounts: separating pre-marriage assets, keeping balances that qualify for perks (e.g., BofA preferred rewards), separating rollover assets for easier asset protection tracing, and accessing superior features (e.g., Fidelity’s immediate Roth conversions and TIPS availability). We do all of those, and others may have more reasons.

When it's all crashing and there is blood everywhere, Buy,Buy,Buy,Buy,Buy then buy some more!! When everyone is dumping their bags at a loss you buy at a discount, it's the only way true money is made, be fearless!!! The Stock market will always bounce back, sure you might have to wait 18 months to see those massive gains but as long as you buy good quality and proven stocks and ETF's you will thank me later.. like this past Crypto crash!! Blockchain and RWA's are not going ANYWHERE!! ITS ALMOST GUARANTEED THAT CHAINLINK ALONE WILL AT VERY LEAST HIT ITS ALL TIME HIGH AGAIN, SURE IT MIGHT BE IN 2029-2030 BUT STACKING OVER 1,000 AT 7 AND 8 BUCKS, AT ONE POINT I WAS UP $12,000 IN PROFIT AND THAT WAS AN ENTRY POINT OF $11 DOLLARS!! I WATCHED IT CRASH I GOT DRUNK AND SAID FUCK IT, DROP $250 A MONTH AT 7-8 BUCKS.. SOME SAY IT WILL EVEN HIT OVER $100 AT SOME POINT BEFORE 2030!! ITS IN THE TOP 15 CRYPTOS, AND ITS LITERALLY THE PIPELINE THAT MAKES THE ENTIRE CRYPTO SPACE AND CROSS CHAIN INTEROPERABILITY WORK, AND NOW HAS PARTNERSHIPS WITH HUNDREDS OF GIGANTIC CORPORATIONS AND IS NOT GOING ANYWHERE!! IT IS 100% THE MOST UNDERVALUED CRYPTO ON THE LIST!!! WAIT UNTIL THEY ANNOUNCE SOME SHIT LIKE THEY ARE GOING TO MANAGE DATA BETWEEN AI AND DATA CENTERS!! THATS THE NEXT BIG THING THAT IS CURRENTLY IN THE WORKS!! DATA CENTERS FOR THE AI BOOM!! AND POWERING THEM, LMAO I MADE $4,000 IN 25 MINUTES A FEW MONTHS AGO ON "BITFARMS" SOLD MY BAG 💰 20 MINUTES BEFORE IT CRASHED!! THEN REBOUGHT AT $2 BUCKS AND HOLDING FOR 5 YEARS!! IT WILL COME BACK WITH TIME!!! ALL OF THE BIG BOYS BOUNCE BACK,, TIME IN THE MARKET TRUMPS ALL!! AND MOST OF US MIDDLE CLASS INVESTORS CAN NO LONGER MAKE MONEY IN THE BIG 10, UNLESS YOU HAVE A HUNDRED GRAND TO DROP ON NVIDIA, OR GOOGLE, ECT DROPPING $3,000 BUCKS INTO APPLE STOCK IS NOT ENOUGH TO MAKE LIFE CHANGING MONEY OVER A 2-5 YEAR TIME SPAN!! YOU NEED
$3 MILLION! WAKE UP AT 8:30 AM EASTERN TIME, OPEN UP YOUR ROBINHOOD APP AND HIT THE SEARCH KEY LIKE 5 MINUTES BEFORE THE OPENING BELL, THEN CLICK ON THE BIGGEST GAINING STOCKS FOR THE DAY!! DO SOME FAST RESEARCH ON THE COMPANIES, GRAB A NOTEBOOK 📓 DO SOME QUICK MATH THEN PICK ONE THEY GENERALLY PUMP FOR A FEW HOURS HEAVILY!! IVE MADE $500+ BUCKS WHILE HAVING COFFEE AT LEAST 10 TIMES DOING THIS . THEN JUST SELL, YES IVE MISSED OUT ON HUGE GAINS BY SELLING TO EARLY IN THE DAY BUT HEY IF I CAN TURN $150 INTO $500 BEFORE I EVEN LEAVE FOR WORK IM COOL WITH THAT , THEN I TAKE THE 500 AND DUMP IT 50/50 INTO NVIDIA AND VOO OR QQQ, I ALSO THINK RIOT PLATFORMS IS GOING TO DO AMAZING THINGS IN YEARS TO COME!!!! WE LIVE IN AN AGE WITH ABSOLUTELY LIMITLESS INFORMATION AT OUR FINGER TIPS ON A DAILY BASIS AND 99.99% OF PEOPLE WILL USE THEIR TECHNOLOGY TO WATCH FUNNY CAT VIDEOS!! I ALWAYS SAID IF YOU GAVE SMARTPHONE'S TO MY GENERATION BACK IN THE EARLY 90's WE WOULD HAVE TAKEN OVER THE WORLD!! GEN Z USED THE INTERNET TO SCROLL THROUGH MEMES LIKE ZOMBIES!!!!!

Muni bonds are riskier than Treasuries. That risk also often shows up when stock risk does, making them subotpimal rebalancing partners. I wouldn't hold more than 5-10% of a portfolio in them. I also live in a high-tax state and held munis for a while then decided they just aren't the kind of diversification I'm looking for in bonds. Now I hold exclusively Treasuries, TIPS, Series I and EE savings bonds and those work well for me.

Been looking at bonds trying to figure out if they make sense in any way shape or form short and long term. They do not. The market rate fluctuations if you wanna sell the bond prematurely are so unpredictable that the chance to lose money is fairly high even after holding for years.
You could buy and cycle 2-3 year bonds to lock down the interest if rate cuts are expected (long yields are so unpredictable right now, they may rise even when the fed cuts rates unless they ramp up QE). This reduces duration risk but still gives upside if a panic forces sudden rate cuts. Even if rates get hiked (for example due to inflation) you lose out a little bit but not too much. That you can just hedge with an overnight money market fund or hysa. Depends what you think is more likely.
Overall i think i prefer the risk profile of longer dated TIPS right now.
Longer dated bonds are kinda shit because long yields won't come down without QE or a massive crash. If you expect QE just buy gold instead. If you expect a crash followed by collapsing rates (the ideal fantasy case) then do build a bond position.
I feel like TIPS are a weirdly good middle ground.

I recently saw Robert Kessler talking about going all in on STRIPS as a retirement investment strategy. I wasn’t persuaded, but he did cause me to wonder whether a small STRIPS commitment could be useful.
I am weighing two specific allocations for a hypothetical $1M tax-advantaged account. I’m trying to determine if the potential "rebalancing alpha" from a high-convexity bond tilt is worth the structural yield drag.
The Baseline Portfolio:
• 85% AOA (iShares Aggressive Allocation - 80/20)
• 10% VTIP (Short-Term TIPS)
• 5% SGOV (0-3 Month Treasuries)
• Characteristics: High dividend/interest yield, steady compounding, simple.
The "STRIPS Tilt" Portfolio:
• 75% AOA
• 10% ZROZ (PIMCO 25+ Year Zero Coupon Treasury)
• 10% VTIP
• 5% SGOV
• Characteristics: Lower yield, extreme negative correlation potential during crashes.
The Strategy:
The goal of the second portfolio is to use ZROZ as a "volatility spring." I am intentionally trading 10% of AOA’s equity growth and dividend yield (a "drag" of roughly $2,500–$3,000 annually) for the potential of a 30–50% windfall spike during a flight-to-safety event. The plan is to capture that price appreciation through a rebalance back into the equity side during periods of high market stress.
Questions for the Forum:
1. Yield Drag vs. Rebalancing Alpha: On a $1M portfolio, am I likely to lose more in compounding dividends over 5–10 years than I could realistically gain from a single "super-rebalance" out of a ZROZ spike?
2. The "Spring" Tension: In the ZIRP era, STRIPS had nowhere to go but down. With long-term rates now around 4%, is the asymmetric upside of ZROZ now high enough to justify the 10% tilt?
3. Inflation vs. Recession: 2022 showed that STRIPS can crater (-40%) when stocks and bonds move in tandem. Is this tilt too risky for a retiree, or is the 15% VTIP/SGOV sleeve enough of a "safe haven" to allow for a 10% bet on duration?
4. Portfolio Utility: Is there a compelling reason to stick with the 85/15 baseline and rely on the lower-volatility 15% sleeve for rebalancing, or does the added convexity of the 10% ZROZ slice offer a distinct enough diversification benefit to justify the complexity?
I’m interested in whether this "barbell" approach (Global Equities + Cash + High-Duration STRIPS) is seen as a legitimate hedge or just over-engineering a portfolio that would be better off in a simple 80/20 or 70/30.

When are your liabilities? Match your investments to when your liabilities need to be met.
With such a sum, you could essentially zero risk by buying TIPS dated to when you need to consume, or if your goal is to grow even more fabulous wealth then certainly you must have at least some broadly diversified equity allocation.
At this level you can become a private client for some institutions like alpha architect or a FA with dimensional and get a tailored risk exposure portfolio with factor tilts and tax loss harvesting and bespoke momentum strats, etc