It would probably be impossible to calculate her basis in that fund anyway..........without the help of the fund itself. I'm sure they can provide it when the time comes.

Anyway........yeah I would be looking for somewhere more lucrative to be stashing those 3% payments.

One heads up........if you open a Treasury Direct account you may run into the same thing I did. The Federal government has no GPS record of my address. (that's a good thing) ....so I had to get my signature notarized and send all paperwork in hard copy. Took about 6 weeks to get it set up

Most people can open the account online in about 15 minutes.

Well, if I am reading the fund report right they give me cost basis ( not round number) and unrealized gain/loss. Not pretty.

The cost basis changes over time. My guess the reinvestment keeps raising it.

I can imagine it is ugly ! The time to have gotten out of bond funds was 18 months ago.

A guy would expect that her basis would be declining if she is buying more, lower-priced shares each month or so........Unless the earnings are so small that they won't move the needle.

It's been reported that credit card and loan defaults in the US are at a 10 year high.

US debt total has surpassed 33 trillion.

1 trillion in the past 3 months

That doesnt mean anything anymore.

Of course it does.

No it doesnt they just keep raising the debt ceiling.
Spend baby spend.
Clean out your bank account,get about 6 credit cards and max them all out like everybody else.
Then youll have lots of hard assets when you need them.

It is a mistake to view "problems that China is having" from a Western perspective. They are Communists, historically known for being ruthless to their people. There are no economic issues which cannot be dealt with by simply finding a way to kill a bunch of them which are not producers. Old, crippled, weak women, Muslims come to mind.
Feel no remorse for the Chi-comms. They've got this.