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I put some cash in CDs this week -
Posted on 9/29/22 at 4:27 pm
Posted on 9/29/22 at 4:27 pm
just for the psychological effect of seeing some green in my portfolio. It wasn't much and I don't care how stupid it was. I feel better just seeing some green.
6
Posted on 9/29/22 at 4:38 pm to tgrmeat
Local bank had CDs for 2.1% today
Posted on 9/29/22 at 4:51 pm to Aubie Spr96
You can get ‘em higher than that. Build a ladder.
Posted on 9/29/22 at 5:02 pm to SloaneRanger
I built a ladder ranging from 3.60% up to a little over 4%
Posted on 9/29/22 at 5:10 pm to Aubie Spr96
Psh cap one has a 4% + 12 month brokerage CD
Posted on 9/29/22 at 5:45 pm to Shepherd88
I saw some 3 month CDs at or above 3%.
Posted on 9/29/22 at 6:34 pm to tgrmeat
I hope your broker is ok. Some guy I know got shot by the police for selling cds
Posted on 9/29/22 at 6:57 pm to Aubie Spr96
Citi Accelerate savings is paying 2.2%
Posted on 9/29/22 at 7:59 pm to tgrmeat
6 month t bills at 3.98.% today.
Posted on 9/30/22 at 8:29 am to Aubie Spr96
quote:
Local bank had CDs for 2.1% today
getting 2.5 percent in my SoFi checking and savings accounts as of this morning.
Posted on 9/30/22 at 6:35 pm to tgrmeat
don't feel bad. i bought 3 month t bills @ 3.3% and i never imagined ever doing that. 
This post was edited on 9/30/22 at 6:36 pm
Posted on 10/1/22 at 2:55 pm to Fat Bastard
quote:
don't feel bad. i bought 3 month t bills @ 3.3% and i never imagined ever doing that.
Other than some Ford bonds I bought for my parents about 30 years ago and some zero coupons that were part of a real estate “deal” (scheme) back in the 80s, I’ve never really fooled with debt instruments. But as a parking place, I’m also laddering into some 3 and 6 month bills. Probably roll them into some 1-2 year notes around the middle of next year. Not a lot, just some money that can draw some (now) good and safe interest, that would otherwise go into div payers.
Posted on 10/2/22 at 7:21 pm to Jag_Warrior
Posted on 10/3/22 at 6:24 am to Jag_Warrior
quote:
But as a parking place, I’m also laddering into some 3 and 6 month bills. Probably roll them into some 1-2 year notes around the middle of next year. Not a lot, just some money that can draw some (now) good and safe interest, that would otherwise go into div payers.
Did this a couple of weeks ago with 3 month, 6 month, and 1 year treasuries. Add some short term corp bonds as well.
Posted on 10/3/22 at 8:45 am to Fat Bastard
quote:
i bought 3 month t bills @ 3.3% and i never imagined ever doing that.
are you re-investing or re-purchasing the tbills every three months to get that annualized rate? the real return on a 3 month tbill is something like .8 percent. or are you letting that cash ride in the tbill until something more attractive comes along?
Posted on 10/3/22 at 6:38 pm to Bunsbert Montcroff
quote:
are you re-investing or re-purchasing the tbills every three months to get that annualized rate?
Irrespective of term, yields are typically stated annualized on all debt instruments. Not sure about FB, but I’m rolling (will roll) the shorter term bills into longer term bills, and possibly notes, as I/we get a lay of the land. But again, I’m just doing this with spare cash. I’m not liquidating any long term equity holdings and going into debt securities.
Also remember that there are no state or local taxes on Treasury debt, as you compare them to other debt securities.
Posted on 10/3/22 at 7:51 pm to Aubie Spr96
quote:what a ripoff. You can get that in savings account.
ocal bank had CDs for 2.1% today
Posted on 10/9/22 at 12:53 pm to tgrmeat
With 6 month T-Bills at 4% I’m considering parking our reserve funds to get some interest.
I’ve got a Treasury Direct account for my I Bonds. I’m also on Fidelity for my brokerage account. So I can use either I think.
Any thoughts or preferences on buying Treasuries from either? I’m looking for the easiest path to establish some ladders and reinvest the proceeds.
I’ve got a Treasury Direct account for my I Bonds. I’m also on Fidelity for my brokerage account. So I can use either I think.
Any thoughts or preferences on buying Treasuries from either? I’m looking for the easiest path to establish some ladders and reinvest the proceeds.
This post was edited on 10/9/22 at 12:54 pm
Posted on 10/9/22 at 4:10 pm to tgrmeat
Market hits a dip which is perfect buying opportunity and you buy CDs?
Posted on 10/9/22 at 4:50 pm to wiltznucs
I prefer buying at treasuries at brokerage for two reasons:
1) You can buy on the secondary market for maturity dates that match your need
2) You can sell on the secondary market before maturity if you need to
1) You can buy on the secondary market for maturity dates that match your need
2) You can sell on the secondary market before maturity if you need to
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