[OT] Brokerage for the D Language Foundation

[jmh530 via Digitalmars-d]

On Sunday, 18 September 2016 at 16:13:55 UTC, Andrei Alexandrescu 
wrote:
>
> Wouldn't that be risk from the unsecured personal lending 
> business, which although numerically similar has a different 
> dynamics?
>

In my head, I was imagining an efficient frontier and where a 
5-7% return would get you.

>
> I've been looking at their historical numbers. Their accounts 
> didn't lose money even during the trough of the recession. At 
> that time they were one of the best places to invest out there. 
> There are challenges in the world of marketplace lending, but 
> as far as I understand it sure is a solid choice.
>

They have different ratings for loans. The favorably rated 
investments did well, but the lower rated stuff lost money. So at 
least that provides some guidance.

Anyway, I'm pretty sure longer-term Treasuries had even better 
returns during the financial crisis (b/c of the price change as 
yields fall) and you could sell a fund containing them at any 
time.

>>> Regarding the stock market, IB is quite attractive, and has an
>>> incredibly low margin rate.
>>
>> Frankly, this comment makes me cringe.
>
> s/cringe/curious to know more/
>
> The basic idea here is to have a buffer for short-term 
> borrowing. For example, for DConf we'd need to plop down some 
> money for renting a conference hall until proceeds from 
> registration roll in. The notion of being able to take a 1.60% 
> APY for that is quite attractive. Sadly, I've looked at IB 
> since and they don't offer any checking or general banking. I'm 
> not 100% sure, but I assume they'd lend money only for 
> investing; they wouldn't allow you to transfer cash on margin 
> into your bank. Does anyone know exactly what the case is?
>

I suppose this makes sense if they let you do it. I was thinking 
you were going to use margin for investing, which did not seem to 
fit with your goals.