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1
Posted on 12/3/21 at 4:48 pm to SirSaintly
QYLD
Posted on 12/4/21 at 11:39 am to RedHawk
I’d be paying attention to the next 20 & 30 year Treasury auctions any coupon over 2% is going to pay within the next couple of years. I’m not sure what your investment horizon is but you could easily squeeze out 10-20%. If you want to get more risky look at the bond replacements. Utilities, staples, REITs depending on the market.
Posted on 12/4/21 at 11:52 am to wutangfinancial
quote:
These kids have run off all the posters that know what this word means
Nah man, QQQ and high PE big tech is low risk. The volatility and fed news the past couple of weeks makes it even lower risk.
Posted on 12/4/21 at 11:58 am to wheelr
The best part is we’re in that part of the cycle where retail is piling in 
Posted on 12/4/21 at 5:44 pm to SirSaintly
Keep it in cash in a brokerage account and then play the latest DWAC type SPAC play if you can get in sub 10.50. 5% max downside, unlimited upside. Just a short trade for 3-4 days max. Don’t come around very often but jump when they do.
Posted on 12/4/21 at 6:18 pm to SirSaintly
Anchor
Posted on 12/4/21 at 6:19 pm to SirSaintly
Yea, I concur with the savings I bond. 7.2%, 5.4% if you sell exactly at one year and take max penalty hit. That is absolutely ridiculous yield for 0 risk. I started buying this year; as long as cpi stays running, I'm maxing and staggering them.
This post was edited on 12/4/21 at 6:20 pm
Posted on 12/4/21 at 7:29 pm to Pendulum
Serious question- knowing consumer price increases aren’t affecting bond prices why would you lean on I bonds or TIPS versus Treasury bonds when you’re sacrificing convexity albeit limited at this point?
Posted on 12/4/21 at 7:31 pm to wutangfinancial
I belive the interest rate is reset every 6 months on savings I bonds, and it is tied to cpi from what I read. Is that not correct? That's my rationalization. If cpi went down, savings I yield would as well and I'd stop buying it, as it'd be less attractive.
I certainly don't think I'm expert in bonds. I have little experience, maybe I'm wrong in my thinking.
I certainly don't think I'm expert in bonds. I have little experience, maybe I'm wrong in my thinking.
quote:
interest on I bonds is a combination of
a fixed rate, and
an inflation rate
To see the current value of your bonds, use the Savings Bond Calculator. When using the Savings Bond Calculator to look up values of bonds that are less than 5 years old, keep in mind that the values of those bonds do not include the latest three months of interest. However, rates shown by the Savings Bond Calculator for those bonds do not reflect that interest penalty.
Fixed rate
You know the fixed rate of interest that you will get for your bond when you buy the bond. That fixed rate does not change during the life of the bond.
Treasury announces the fixed rate for I bonds every six months (on the first business day in May and on the first business day in November). That fixed rate then applies to all I bonds issued during the next six months.
The fixed rate is an annual rate. Compounding is semiannual.
Inflation rate
Unlike the fixed rate which does not change for the life of the bond, the inflation rate can and usually does change every six months.
We set the inflation rate every six months (on the first business day of May and on the first business day of November), based on changes in the non-seasonally adjusted Consumer Price Index for all Urban Consumers (CPI-U) for all items, including food and energy.
However, the change is applied to your bond every six months from the bond's issue date. (The dates for these changes might not be May 1 and November
This post was edited on 12/4/21 at 7:37 pm
Posted on 12/4/21 at 7:44 pm to Pendulum
What’s the lock up period for I bonds again? Because getting high single digit coupons is nice but I’m sure that’s the catch here. I’ll have to think about these versus treasuries I’m stocking cash and need something to park it in that’s highly liquid.
Posted on 12/4/21 at 7:45 pm to wutangfinancial
It's 1 yr minimum until you can sell. Until 5 years, you forfeit last 3 months of interest, so at 1 year, currently rate is 7.2%, it would become 5.4%, and then that spread would decrease over 5 years.....of course the rate could change too.
10k annual limit per individual as well. I maxed myself for 2021, haven't yet used my wife's limit but I probably will before end of year.
10k annual limit per individual as well. I maxed myself for 2021, haven't yet used my wife's limit but I probably will before end of year.
This post was edited on 12/4/21 at 7:50 pm
Posted on 12/23/21 at 10:58 am to Pendulum
Bump for people like me that found out about these funds this week. Much better than what I was getting in a money market
Posted on 12/23/21 at 11:07 am to CajunTiger78
quote:
QQQ may be a good option to look into.
Similar, but perhaps a bit less risky than this would be VOO (VANGUARD S&P 500 ETF). Though he'd want to be a bit longer term. I've been in it for just about a year and am sitting on a 25% return, plus it pays a 1.26% quarterly dividend.
This post was edited on 12/23/21 at 11:08 am
Posted on 12/23/21 at 11:09 am to wheelr
quote:
high PE big tech is low risk
Not sure I agree with this. Single stocks are always going to be a bigger gamble than an index fund.
Posted on 12/23/21 at 11:30 am to playmakers in space
quote:
We got roasted pretty good today baw. Is Kathy Ireland coming to save the day or are we headed to Camp Brandon for the unvaxxed?
Ready for the camps baw can’t wait
Posted on 12/24/21 at 9:42 am to jamiegla1
I have an automatic $100 a week deduction into ibonds. Don’t miss it and expect this to do well the next 2-3 years with inflation since it adjusts up. This is easily liquidated to so I think of his as a very high yield savings account.
Posted on 12/26/21 at 1:52 am to SirSaintly
YOLO AMC and HODL.
Posted on 12/26/21 at 6:52 pm to Chucktown_Badger
quote:
Single stocks are always going to be a bigger gamble than an index fund.
Do you have any clue how concentrated the retirement products are in big tech that people auto bid? You’re not supposed to invest in an index
Posted on 12/27/21 at 9:33 am to jamiegla1
quote:
someone had a thread about I Series bonds. above 7% right now. I put $10K in it the next day
Did it today, will do another $10k in January. And I'll overpay 2021 taxes so that I can add $5k from the refund.
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