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Started By
Message
2yr Treasury Nearly 4 Percent
Posted on 9/16/22 at 8:56 am
Posted on 9/16/22 at 8:56 am
Bought some today. 4% yield with a 2yr time horizon seems like a safe play for the emergency fund.
9
Posted on 9/16/22 at 9:21 am to Aubie Spr96
quote:
4% yield with a 2yr time horizon seems like a safe play for the emergency fund
Why not iBond? Higher payout with slightly longer timeframe. For shorter periods AMEX savings is now paying 1.9% and rasising every other week or so
Posted on 9/16/22 at 9:54 am to SwampCollie
quote:
Why not iBond?
I can trade it on Fidelity out of my account.
Posted on 9/16/22 at 9:58 am to SwampCollie
quote:There are better HY savings accounts than this right now (all FDIC insured).
For shorter periods AMEX savings is now paying 1.9% and rasising every other week or so
Bask Bank 2.53%
CIBC 2.32%
My Banking Direct 2.2%
Brio Direct 2.15%
Lending Club 2.15%
CIT Bank 2.1%
Citizens 2.1%
Synchrony 2.05%
Barclays 2%
Posted on 9/16/22 at 10:19 am to SwampCollie
quote:
Why not iBond?
Convexity
Posted on 9/16/22 at 11:49 am to Aubie Spr96
You can get 1 year Treasuries at 4%. 2 year is slightly less. 6 month is the sweet spot at 3.8% and I've been buying a bunch of those with my emergency fund.
https://home.treasury.gov/resource-center/data-chart-center/interest-rates/TextView?type=daily_treasury_yield_curve&field_tdr_date_value_month=202209
https://home.treasury.gov/resource-center/data-chart-center/interest-rates/TextView?type=daily_treasury_yield_curve&field_tdr_date_value_month=202209
Posted on 9/16/22 at 11:54 am to gpburdell
quote:
6 month is the sweet spot at 3.8%
I know you’re talking about an alternative to emergency funds, so this is understandable but
at trying to find the sweet spot for any treasury. 
Posted on 9/16/22 at 12:03 pm to Aubie Spr96
quote:Lots of real estate liquidations by institutions coming because of that rate.
Bought some today. 4% yield with a 2yr time horizon seems like a safe play for the emergency fund.
Posted on 9/16/22 at 1:04 pm to gpburdell
quote:
6 month is the sweet spot at 3.8% and I've been buying a bunch of those with my emergency fund.
Same here. Started with some 3 month bills, now at 6. I’m laddering in. I may go out longer in maturity, depending on how the data comes in over the next few months.
Posted on 9/16/22 at 8:07 pm to gpburdell
I’ll add some 6 month and one year bonds this week to spread the maturity.
This post was edited on 9/16/22 at 8:10 pm
Posted on 9/16/22 at 8:51 pm to Aubie Spr96
As an emergency fund, just how accessible is your money?
Posted on 9/16/22 at 9:43 pm to OTIS2
quote:Who can’t get out of T-Bills, Waldorf ? Are you still getting your quotes from the newspaper?
As an emergency fund, just how accessible is your money?
Posted on 9/17/22 at 5:06 am to Aubie Spr96
Do not buy bonds yet. Fed rate will continue to rise and destroy them. Wait till the Feds are done and then buy them.
Posted on 9/17/22 at 7:50 am to Realityintheface
These are short term, stable investments for an emergency fund. The 4% yield is fine for that.
Posted on 9/17/22 at 8:30 am to Aubie Spr96
If I buy directly from treasury direct, do I have to buy through auction?
This post was edited on 9/17/22 at 8:51 am
Posted on 9/17/22 at 8:56 am to SwampCollie
quote:
Why not iBond?
They’re great, but there is the $10k a year limit.
Posted on 9/17/22 at 10:17 am to glorymanutdtiger
quote:
If I buy directly from treasury direct, do I have to buy through auction?
Yes. You can buy at auction (or secondary market) at Fidelity, Vanguard etc.
Posted on 9/17/22 at 10:57 am to Aubie Spr96
quote:
These are short term, stable investments for an emergency fund. The 4% yield is fine for that.
You do realize the Feds meet this Tues/Wed? Whatever interest you get off that if you buy now will disappear like a fart in the wind along with some principal when they hike in a few days. Fact.
And who says an emergency fund HAS to be in short term stable investments like Treasury Bills?
With how liquid market investments are today, internet trading platforms, and the ability to move funds easily, the short term factor argument for Treasury Bills is irrelevant now.
And what is stable? Bonds in a rising interest rate environment are not stable. Fact.
Your advice is outdated and wrong. We have extremely liquid markets to get your money fast if need be compared to in the past and we have the Fed telling us they are going to continue to raise rates. The only question is by how much and how often. When the Feds signal they are going to stop raising rates, then MAYBE buy T bills for an emergency fund but even then I wouldn’t recommend it. If someone just has to buy bonds for emergency fund at this point in time? I bonds. He can get access to the money pretty damn quick and how fast do you really need cash in today’s world?
Posted on 9/17/22 at 1:34 pm to Realityintheface
Well sir. Please bless us with your can’t lose short term investment strategy that you are using to conquer the world. The rest of us are anxiously listening.
Posted on 9/17/22 at 2:07 pm to Aubie Spr96
You would have to pay me to show you. I’m not greedy. I’ll take the standard 2 and 20 with a 5 year no withdrawal $10M buy in.
Why don’t you just accept the fact that you’re not right about this after I laid out a logical argument why you are wrong? All your argument was “it’s fine”. WTF is that? You don’t like it when people say your wrong do you?
Don’t even know why I post in the MT. Anytime I don’t agree with the standard vanilla financial advice learned from a free lunch seminar, I gotta somehow prove I’m right by giving people my secret sauce for free? Don’t you think anybody who posts in the MT might just be more than your average LSU tailgating schmuck? Your lucky I’m even wasting my time responding to you. Go back to planning out your T bill ladder.
Go ahead OP, put your money in a 4% T bill. Good luck.
Why don’t you just accept the fact that you’re not right about this after I laid out a logical argument why you are wrong? All your argument was “it’s fine”. WTF is that? You don’t like it when people say your wrong do you?
Don’t even know why I post in the MT. Anytime I don’t agree with the standard vanilla financial advice learned from a free lunch seminar, I gotta somehow prove I’m right by giving people my secret sauce for free? Don’t you think anybody who posts in the MT might just be more than your average LSU tailgating schmuck? Your lucky I’m even wasting my time responding to you. Go back to planning out your T bill ladder.
Go ahead OP, put your money in a 4% T bill. Good luck.
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