US Treasuries

[Anonymous No.51669640]

What about US Treasuries?

>Series I bonds is 9.62%
>26-week T-Bill is 3.98%

Sure, these rates aren't very high and you can't withdrawal for a few weeks/months, but it's AAA-rated and completely secure, backed by the US Federal Government. Thoughts?

[Anonymous No.51669658]

>>51669640
>maximum purchase $10000

[Anonymous No.51669677]

>>51669640

recent T-Bill rates in pic


>>51669658
>maximum purchase $10000
Yes, for a Series I bond, max is $10,000 per year. For T-Bills, it's $10 million.

[Anonymous No.51670091]

>>51669640
Aren't they going down with stocks?

[Anonymous No.51670208]

>>51669640
as long as you ladder the bills it's a great place to park money

[Anonymous No.51670214]

>>51670091

They've been going up since people are putting pulling their money from equities like stocks and putting it in Treasuries instead. 4% APY on T-Bills is better than negative growth in the stock market.

I put about $22k end of last year and early this year in I Bonds, and I was going to start dumping some money into T-bills but I fucked up and closed out the bank account that was linked to my TD account. They make it a royal pain in the ass to link a new account, I had to fill out a form and then go to a bank to get it notarized, now I'll probably have to wait a month or two for the Treasury to process the request.

[Anonymous No.51670251]

>>51669640
Us gov credit rating got downgraded from AAA to AA+ about 10 years ago look it up retard.

[Anonymous No.51670281]

>>51669640
I’ve bought $30k in series I bonds so far this year, under me wife and kid. Will reload next year if shit is still hitting fan. If inflation subsides will move it into regular bonds, maybe 5 or ten years

[Anonymous No.51670305]

>>51669677
Buy the 4 week T bills and keep rolling them over till it’s time to buy the dips

[Anonymous No.51670306]

>>51670281
based saver

[Anonymous No.51670314]

so when yiou buy the tbills youre buying in the open market and not even at the current rate? but thers a fucking premium/discount or whatever? sounds gay

[Anonymous No.51670345]

>>51669640
Rates will probably continue to increase to like, 5.5%. so it's a difficult call on treasuries if you want to maintain liquidity. But if you don't mind waiting a year or so, rates will probably be below where they are today.

[Anonymous No.51670373]

Btw you better off getting brokered CDs if you serious about this. 1 years are at a 4.3% hight today.

[Anonymous No.51670850]

Bottom-line: It's foolish to have excess cash sitting in an interest-free bank account, especially with the current ~8% inflation rate. I just wanted to read y'all's take on the matter.

[Anonymous No.51670990]

>>51670850
I actually held my Christmas bonus as cash until those I bonds rolled out. Feel like Michael burry up in this bitch

[Anonymous No.51671019]

The ibonds up to 10k are a must for everyone. It's literally just a bit of welfare for those that can afford them. The rest are meh take it or leave ot

[Anonymous No.51671059]

>>51669640
Good investment giving the current situation. People can say what they want but if shit gets so bad you can't get you money back from the i bonds or trills then money is the least of your concerns.

[Anonymous No.51671122]

>>51669677
I bond max is 15k a year. You can put an additional 5k if you do it through you taxes.

[Anonymous No.51671432]

>>51671122
Do you know how that works. Like I buy them when I file?

[Anonymous No.51671485]

>>51671432
You can buy 10k at anytime but to buy the other 5k it has to be when you file if you get money back.

[Anonymous No.51671495]

>>51671432

Exactly, you should have the option to use up to $5k of your tax return to purchase government bonds. You can tweak your withholdings to overpay and be sure your refund is at least $5k if you want to put it all toward I bonds come April next year (although I imagine by that time inflation may have cooled down). Anyway, they'll be paper bonds that are mailed to you, but you can convert them to electronic bonds that will link to your TD account. I think I just had to fill out a form and mail it and the bonds to the US Treasury.

[Anonymous No.51671509]

do the needful and lock your tokens for high APY ser, many moons await

[Anonymous No.51671521]

bot thread

[Anonymous No.51671590]

ehh opportunity cost is too high to have my money locked up for 9%.

pass.

[Anonymous No.51671628]

>>51671485
>>51671495
Thanks.

>>51671521
>>51671590
Lol never change biz

[Anonymous No.51671802]

>>51669640
how much of my money should I put into these if I have $80k and I'm waiting to find cheap houses?

[Anonymous No.51671875]

>>51671590
I guess some of us have more than $10,000 to invest.

>>51671802
Don't forget that you cannot redeem an I bond until one year, so keep that in mind if you're waiting to pounce on a big purchase.

[Anonymous No.51672004]

>>51671875
>Don't forget that you cannot redeem an I bond until one year, so keep that in mind if you're waiting to pounce on a big purchase.
I know. it fucking sucks because there could opportunities tomorrow or in 2 more years. meanwhile, all my cash is sitting on my current accounts, losing value...

[Anonymous No.51672183]

>>51669640
limit 10k. not worth my time to setup something for 10k. you are poor if you look at ibond

[Anonymous No.51672256]

>>51669640
If you don't buy the full 10k every year you are fucking up. Just treat it as the 'cash' component of your emergency fund and eventually retirement fund.

[Anonymous No.51672490]

>>51669658
I read in another bond thread a few days back that LLCs can also buy bonds. You can have as many yearly purchases as you have LLCs as far as that goes.

[Anonymous No.51672516]

>>51670305
Does this mean you get the 2.7% yield in 4 weeks? How does it work

[Anonymous No.51673440]

>>51672516
All yields are annualized. So, if the yield has to be divided by the term. There are 52 weeks in a year, so for a 4-week Bill at 3% , it's:
(4 / 52) * 3% = 0.23%

You can either roll over that Bill for one year or buy a 52-week Bill, but it's best to buy the Bill with the highest yield, if that's what you want.

[Anonymous No.51673601]

>>51672183
>not worth my time to setup something for 10k
This