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Old 06-29-2022, 10:47 AM   #841
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As of June 29, Amex High Yield Savings is now up to 1% - joining many other banks at that rate or higher.
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Old 06-29-2022, 10:51 AM   #842
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Quote:
Originally Posted by frank View Post
where are you finding these rates? is there a website that lists them? thanks

frank
There are 3, they do change regularly, even daily, I snapped up a 5 year 4.1% with an A Rated company last week.

https://www.immediateannuities.com/deferred-annuities/

https://www.blueprintincome.com/

https://www.stantheannuityman.com/
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Old 06-29-2022, 11:49 AM   #843
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I just tried again this morning.

After selecting Check rates and bonds, it makes you select an account.

Well there's a little triangle to the left of my brokerage account and when I open it, it says "You don't have any CDs or bonds" on this account.

Well no kidding, I'm trying to buy some and had selected Buy & Sell.

I tried the Vanguard app on my iPad and it only shows funds and ETFs if you select Buy.
This is what I see in my account:

Transact (downarrow thingy)

Trade Bonds or CDs, lower in the list

Choose account radio button, click continue button in lower right

List of various maturities and rates displayed
Click on the rate
Select the bank and rate
Choose face value amount

...
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Old 06-29-2022, 04:51 PM   #844
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Originally Posted by jim584672 View Post
This is what I see in my account:

Transact (downarrow thingy)

Trade Bonds or CDs, lower in the list

Choose account radio button, click continue button in lower right

List of various maturities and rates displayed
Click on the rate
Select the bank and rate
Choose face value amount

...

Which browser and OS?
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Old 06-29-2022, 04:57 PM   #845
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Which browser and OS?
Win 10, Firefox.
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Old 06-30-2022, 05:44 PM   #846
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This morning I noticed DiscoverBank is up to 1.10%.

I feel a Wheeeee!! coming on.

It's really silly that savings rates have been so low for so long that this is even news.
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Old 06-30-2022, 08:57 PM   #847
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This morning I noticed DiscoverBank is up to 1.10%.

I feel a Wheeeee!! coming on.

It's really silly that savings rates have been so low for so long that this is even news.
It's pathetic than in a 8%+ inflation time, 1.1% is considered good. It's terrible.
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Old 07-01-2022, 04:12 AM   #848
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Marcus online savings is up to 1.20% today. Just noticed it as I signed in. I haven't seen any communication from them about this yet.
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Old 07-01-2022, 06:25 AM   #849
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Marcus online savings is up to 1.20% today. Just noticed it as I signed in. I haven't seen any communication from them about this yet.
...or 1.3% if you added the AARP +0.1% bonus!
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Old 07-01-2022, 08:35 AM   #850
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Which browser and OS?
Playing around on the Vanguard site today. Multiple errors, blank screens, infinite hangups. May not be your browser, may be Vanguard is the problem.
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Old 07-01-2022, 10:44 AM   #851
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Did it. Snapped up a modest amount of PenFed 5 year 3.5 % CD. Got a lot more cash waiting and hoping for higher rate, but now I can relax for a while.
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Old 07-01-2022, 10:55 AM   #852
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Just a PSA: when dealing with sites/activities where security is important (like a financial institution where you hold lots of $), don't use browser search to get there. Take the extra 2 seconds to type in the actual URL (ie. vanguard.com)

Be careful with this. You can accidentally mistype the name and enter your credentials on a bogus website.

I actually prefer my search engine to redirect me, since they will catch my typo and send me to the correct site.

But really the best way is to use a password manager. They’ll only log you in if you’re at the correct website.
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Old 07-01-2022, 08:03 PM   #853
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Bought 3.35% Wells Fargo 2 year CD at Schwab today. Just picking away...
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Old 07-01-2022, 08:07 PM   #854
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Bought I yr C.D at Schwab today paying 3% but they were gone a few minutes later.
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Old 07-01-2022, 08:16 PM   #855
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Looks like rates are looking toppy on the long part of the curve. CUrious how Short term will behave in the next month.
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Old 07-01-2022, 08:52 PM   #856
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Looks like rates are looking toppy on the long part of the curve. CUrious how Short term will behave in the next month.
Am thinking CDs will all go up after the next rate hike.
But may drift down a hair till then as they have this week.
I got tired of waiting and bought in Monday at Schwab.
9 month 2.6%, (2) yr 3.3%, (3) yr 3.4%, (4) yr 3.4% (5) yr 3.5%.
Was surprised how quickly the 5 yr at 3.5% sold out. And didn't return?
But if you can wait, you can probably do better in Aug. Just a guess.
But, as mentioned I got tired of waiting.....
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Old 07-01-2022, 08:57 PM   #857
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Am thinking CDs will all go up after the next rate hike.
But may drift down a hair till then as they have this week.
I got tired of waiting and bought in Monday at Schwab.
9 month 2.6%, (2) yr 3.3%, (3) yr 3.4%, (4) yr 3.4% (5) yr 3.5%.
Was surprised how quickly the 5 yr at 3.5% sold out. And didn't return?
But if you can wait, you can probably do better in Aug. Just a guess.
But, as mentioned I got tired of waiting.....
Super curious how it all plays out. Does another 0.5-0.75bps in July push rates higher? Is the market calling the feds bluff that they can't raise much more?
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Old 07-01-2022, 10:44 PM   #858
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Be careful with this. You can accidentally mistype the name and enter your credentials on a bogus website.

I actually prefer my search engine to redirect me, since they will catch my typo and send me to the correct site.

But really the best way is to use a password manager. They’ll only log you in if you’re at the correct website.
I use bookmarks from the browser, or the URL I've saved in my password manager. Some scam sites pay to get to the top of the search function, so that is not a guaranteed way of getting to the correct URL.
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Old 07-01-2022, 10:59 PM   #859
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Bought I yr C.D at Schwab today paying 3% but they were gone a few minutes later.
Did you buy those CIBC 4.47% notes or the Citibank 5% notes? They are both now trading above par.
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Old 07-01-2022, 11:49 PM   #860
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Did you buy those CIBC 4.47% notes or the Citibank 5% notes? They are both now trading above par.
I was too slow, or couldn't find them on Vanguard or TD Ameritrade.

If you know of other good candidates, I'm all ears

Have bought some Treasuries, even then I have found the broker sites don't track the money like they do for stocks.

Example: say I have $42K in cash, if I put in an order for $10K of stock, my cash pile drops to $32K even if the stock order has not filled.
When I buy treasuries, after the order, the cash pile still says the original amount.
Makes it more confusing to have 2 ways to treat orders.

I don't have a Fidelity account.
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