@ninhdat147: Tôn Ngộ Không cơ... #xuhuong #thinhhanh #trungthu #ninhdat #foryou

Ninh Đạt

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Thursday 24 September 2026 15:13:46 GMT

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Chaasm :

Ô bé này sáng dạ quá, hay thế nhỉ🤣🤣

2026-09-25 09:33:46

47

chịu🤷🏻‍♀️ :

đấy vừa có tiền vừa có da mặt trộm vía đẹp=)))) quá đã đây rồi

2026-09-25 10:12:56

16

chang258dt :

Sao nghĩ ra đc hay z

2026-09-24 15:16:58

13

Chí Hùng :

Thế mà ko nghĩ tới nhờ

2026-09-25 11:04:05

4

Nguyễn Đình Duy :

Ô thế mà lại hay

2026-09-25 09:20:36

2

phuong linh :

@công chúa ngủ trong rừng

2026-09-25 10:09:38

2

Na in the universe :

@Vinh U40 thế mà lại hay

2026-09-25 10:55:07

2

𝐌𝐢𝐧𝐡 𝐕𝐚𝐧 𝐏𝐡𝐚𝐦 :

Chịu

2026-09-24 17:17:40

1

Hey.linhh :

Content đẳng cấp quá =))) k ngờ

2026-09-24 18:55:07

2

Diệu Tâm :

Đạt ơi ăn táng nhé

2026-09-25 05:12:40

1

h. :

@Move on☺️👤 @𝓬𝓱𝓲𝓹𝔁𝓲𝓷𝓴

2026-09-25 09:40:55

1

🦀 :

thông minh vậy 🙂

2026-09-25 10:41:49

1

Híp :

Biết ngại ko Đạt ?

2026-09-25 11:16:06

1

!? :

@Iwanttogohome @Ghét ăn rau 💢

2026-09-25 11:23:05

1

nhắm mắt thấy buồn ngủ🦦 :

@vinh hoa phú quý

2026-09-25 11:40:59

1

đi NB lần 3 xong đổi tên 😎 :

@Người Việt yêu Nước 🧏🏻‍♀️

2026-09-25 11:53:55

0

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Pasien rsj

The Paper That Says Own Zero Bonds  The strongest paper against owning bonds buys 27 percent of them at 65. Amazon sold $14 billion of Canadian dollar bonds in June. Alphabet $8.5 billion in May. IBM came back after 14 years. Record $33.8 billion year for it, and 0.9 percent of a broad Canadian bond fund is now US tech debt that didn't exist 2 years ago. So people are asking whether they should own any of it. There's a serious answer that says no. Anarkulova, Cederburg and O'Doherty. 39 countries, 1890 to 2023, a million simulated lifetimes. All stocks, all the time. A 7 percent chance of running out of money against 19.7 for the funds that get more conservative as you age. They publish the price too. The typical worst drop along the way is 56 percent. 1 lifetime in 100 drops 91. And then the part that doesn't get quoted. They also ran a version where the model picks the mix at every age instead of holding one for life. That one buys 27 percent short-term government bonds at 65, 7 percent by 68, and zero by 70. Cederburg's own explanation is the order of returns. So the argument was never really whether. It's how many years, and when. Two notes before anyone asks. It's a working paper, not peer reviewed. And Emory funded it, not Dimensional. Full breakdown, including Asness and Swedroe on the other side, is in the guide in the community.

The Paper That Says Own Zero Bonds  The strongest paper against owning bonds buys 27 percent of them at 65. Amazon sold $14 billion of Canadian dollar bonds in June. Alphabet $8.5 billion in May. IBM came back after 14 years. Record $33.8 billion year for it, and 0.9 percent of a broad Canadian bond fund is now US tech debt that didn't exist 2 years ago. So people are asking whether they should own any of it. There's a serious answer that says no. Anarkulova, Cederburg and O'Doherty. 39 countries, 1890 to 2023, a million simulated lifetimes. All stocks, all the time. A 7 percent chance of running out of money against 19.7 for the funds that get more conservative as you age. They publish the price too. The typical worst drop along the way is 56 percent. 1 lifetime in 100 drops 91. And then the part that doesn't get quoted. They also ran a version where the model picks the mix at every age instead of holding one for life. That one buys 27 percent short-term government bonds at 65, 7 percent by 68, and zero by 70. Cederburg's own explanation is the order of returns. So the argument was never really whether. It's how many years, and when. Two notes before anyone asks. It's a working paper, not peer reviewed. And Emory funded it, not Dimensional. Full breakdown, including Asness and Swedroe on the other side, is in the guide in the community.

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