Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
Old 04-07-2022, 06:50 AM   #161
Full time employment: Posting here.
 
Join Date: Jan 2010
Location: dubuque
Posts: 992
never had treasuries. is there a thread on here that discusses buying and selling them?
frank is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 04-07-2022, 07:28 AM   #162
Thinks s/he gets paid by the post
 
Join Date: Feb 2021
Posts: 1,362
Quote:
Originally Posted by Freedom56 View Post
Here is an alternative to a CD. AT&T notes maturing 6/30/22 (in about 3 months) are now yielding 3.3%. The probability of default on these notes are nil. Bond funds are into forced selling at a loss due to redemptions. I'm going to put some limit orders on this one at about $98.75 to park some short term cash.

https://finra-markets.morningstar.co...ticker=C629795
There must be a glitch on Vanguard's site. When I look up that CUSIP it shows maturity 4/30/22, but when I click on the little "info" icon, it links to the exact same FINRA page as you posted with the same information.


Well that wasn't confusing.
disneysteve is online now   Reply With Quote
Old 04-07-2022, 07:33 AM   #163
Thinks s/he gets paid by the post
 
Join Date: Feb 2021
Posts: 1,362
Quote:
Originally Posted by frank View Post
never had treasuries. is there a thread on here that discusses buying and selling them?
https://www.early-retirement.org/for...on-104000.html'
This thread says it's about municipal bonds but they talk about treasuries too. Some super knowledgeable people there. That's what got me into buying them.


Basically, buying treasuries is super easy. I'm with Vanguard. It's just a couple of clicks to pull up a list of current offerings filtered by duration, and then to put in a buy order for what you want. Just the same as buying brokered CDs.
disneysteve is online now   Reply With Quote
Old 04-07-2022, 08:22 AM   #164
Thinks s/he gets paid by the post
 
Join Date: Jul 2002
Posts: 1,461
Quote:
Originally Posted by frank View Post
never had treasuries. is there a thread on here that discusses buying and selling them?
While there is a very active secondary market for treasuries, I tend to keep simple, almost like dealing with bank CDs. In the last rising rate environment, I purchased new treasuries at auction (1-18 month) to form a ladder and always held to maturity.
RE2Boys is online now   Reply With Quote
Old 04-07-2022, 09:15 AM   #165
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Aug 2004
Location: Laurel, MD
Posts: 6,687
Quote:
Originally Posted by frank View Post
never had treasuries. is there a thread on here that discusses buying and selling them?


I don’t have any treasuries but it is super easy to navigate the Fidelity bond pages. Vanguard’s is similar. Which brokerage would you be using to buy?
__________________
...with no reasonable expectation for ER, I'm just here auditing the AP class.Retired 8/1/15.
jazz4cash is offline   Reply With Quote
Old 04-07-2022, 11:36 AM   #166
Recycles dryer sheets
 
Join Date: Jul 2018
Location: Valley of the Sun
Posts: 425
If you have a brokerage account at any major brokerage, buying Treasuries is as easy or easier than opening another CD at a bank that you already have an existing account at.
__________________
"You tell me whar a man gits his corn pone, en I’ll tell you what his ‘pinions is."
-- Mark Twain, Corn-Pone Opinions
Turbo29 is offline   Reply With Quote
Old 04-07-2022, 11:39 AM   #167
Thinks s/he gets paid by the post
 
Join Date: Feb 2014
Posts: 2,385
Schwab and Vanguard both have bond pages to pick out and place a Treasury order. Very easy to do.
jim584672 is offline   Reply With Quote
Old 04-07-2022, 11:42 AM   #168
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Feb 2013
Posts: 8,444
We've been putting all our cash into short term Treasuries. Might at well make a little money while we wait to buy anything longer until the Fed's planned rate increases top out.
__________________
Even clouds seem bright and breezy, 'Cause the livin' is free and easy, See the rat race in a new way, Like you're wakin' up to a new day (Dr. Tarr and Professor Fether lyrics, Alan Parsons Project, based on an EA Poe story)
daylatedollarshort is offline   Reply With Quote
Old 04-07-2022, 02:31 PM   #169
Recycles dryer sheets
 
Join Date: Aug 2013
Location: New Jersey
Posts: 379
PenFed just posted new rates:
3 Year
2.10%

4 Year
2.25%

5 Year
2.50%

7 Year
2.75%
Al18 is offline   Reply With Quote
Old 04-07-2022, 06:20 PM   #170
Thinks s/he gets paid by the post
 
Join Date: Sep 2014
Location: The Great Wide Open
Posts: 3,162
I went to bank today to correct a double charge for check printing. First charge ever for checks in 20+years. Banking representative looked at our past banking history and bumped all of our accounts up to get more interest, freer checking, and no fees, provided we have a monthly balance over $5000. not a problem, we have $4600 in tenant's security deposits alone.
__________________
Give me Liberty or give me Death. Patrick Henry
Winemaker is offline   Reply With Quote
Old 04-07-2022, 06:23 PM   #171
Thinks s/he gets paid by the post
 
Join Date: Jan 2013
Posts: 3,081
Six figure balance plus the mortgage and Wells Fargo charges for everything...
Another Reader is offline   Reply With Quote
Old 04-07-2022, 06:36 PM   #172
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
audreyh1's Avatar
 
Join Date: Jan 2006
Location: Rio Grande Valley
Posts: 31,644
Quote:
Originally Posted by frank View Post
never had treasuries. is there a thread on here that discusses buying and selling them?
Fidelity makes them easy to buy at govt auction no fee including rolling them over for you automatically.
__________________
Retired since summer 1999.
audreyh1 is online now   Reply With Quote
Old 04-07-2022, 07:51 PM   #173
Thinks s/he gets paid by the post
 
Join Date: Jan 2013
Posts: 3,081
Quote:
Originally Posted by audreyh1 View Post
Fidelity makes them easy to buy at govt auction no fee including rolling them over for you automatically.
You can choose to roll them over or the money comes back to you at maturity. When they paid higher interest, I usually had between five and ten going at once with different maturities.
Another Reader is offline   Reply With Quote
Old 04-08-2022, 06:20 AM   #174
Full time employment: Posting here.
 
Join Date: Jan 2010
Location: dubuque
Posts: 992
vanguard. I thought i-bonds had a 10000 maximum or is that yearly?
frank is offline   Reply With Quote
Old 04-08-2022, 07:38 AM   #175
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Aug 2004
Location: Laurel, MD
Posts: 6,687
Quote:
Originally Posted by frank View Post
vanguard. I thought i-bonds had a 10000 maximum or is that yearly?


The ibond has a 10k per year max and the rate adjusts every 6 months for inflation. They can only be bought and sold on the Treasury Direct website. We have a long thread here on the topic.

The term treasuries usually refers to securities with 1 month to 30 yr maturities. They are very easy to buy or sell from any broker. The initial rate is set by auction when they are issued. That rate is fixed but the principal value of the security will adjust according to the market (supply, demand, inflation, etc).
__________________
...with no reasonable expectation for ER, I'm just here auditing the AP class.Retired 8/1/15.
jazz4cash is offline   Reply With Quote
Old 04-08-2022, 08:10 AM   #176
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
 
Join Date: Aug 2004
Location: Laurel, MD
Posts: 6,687
If you search for Bonds on the Vanguard website, then choose "Bonds and CDs Overview" and then click "View Bond Rates" you will come to a table of Treasuries, CD's and Bonds of various maturities and ratings. The top rows are brokered CD's and Treasuries. If you click within the table, it will give more details for that particular security. Have fun and keep asking questions.
__________________
...with no reasonable expectation for ER, I'm just here auditing the AP class.Retired 8/1/15.
jazz4cash is offline   Reply With Quote
Old 04-08-2022, 09:01 AM   #177
Thinks s/he gets paid by the post
 
Join Date: Feb 2021
Posts: 1,362
Quote:
Originally Posted by jazz4cash View Post
If you search for Bonds on the Vanguard website, then choose "Bonds and CDs Overview" and then click "View Bond Rates" you will come to a table of Treasuries, CD's and Bonds of various maturities and ratings. The top rows are brokered CD's and Treasuries. If you click within the table, it will give more details for that particular security. Have fun and keep asking questions.
Exactly this. It's super easy. You choose the duration you'd like and it gives you a list of available offerings in that range. Then you pick the one you want and buy it. The whole process takes under 5 minutes.
disneysteve is online now   Reply With Quote
Old 04-08-2022, 11:20 AM   #178
Thinks s/he gets paid by the post
Out-to-Lunch's Avatar
 
Join Date: Jan 2020
Location: Milwaukee
Posts: 2,384
Quote:
Originally Posted by frank View Post
vanguard. I thought i-bonds had a 10000 maximum or is that yearly?
jazz4chash covered the essentials. I wanted to note to you that I-bonds are not marketable securities. I.e., there is no secondary market for you to buy or sell them. Only available through the Treasury itself.
__________________
The closing years of life are like the end of a masquerade party, when the masks are dropped. -Arthur Schopenhauer, philosopher (1788-1860)
Out-to-Lunch is offline   Reply With Quote
Old 04-08-2022, 11:32 AM   #179
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
pb4uski's Avatar
 
Join Date: Nov 2010
Location: Sarasota, FL & Vermont
Posts: 31,695
Quote:
Originally Posted by frank View Post
vanguard. I thought i-bonds had a 10000 maximum or is that yearly?

Yearly, per person. So between me, DW and 3 trusts (his, her and joint) we can do as much as $50k a year.
__________________
If something cannot endure laughter.... it cannot endure.
Patience is the art of concealing your impatience.
Slow and steady wins the race.

Retired Jan 2012 at age 56
pb4uski is online now   Reply With Quote
Old 04-08-2022, 07:51 PM   #180
Recycles dryer sheets
 
Join Date: Aug 2018
Posts: 177
Quote:
Originally Posted by jazz4cash View Post
If you search for Bonds on the Vanguard website, then choose "Bonds and CDs Overview" and then click "View Bond Rates" you will come to a table of Treasuries, CD's and Bonds of various maturities and ratings. The top rows are brokered CD's and Treasuries. If you click within the table, it will give more details for that particular security. Have fun and keep asking questions.
Quote:
Originally Posted by disneysteve View Post
Exactly this. It's super easy. You choose the duration you'd like and it gives you a list of available offerings in that range. Then you pick the one you want and buy it. The whole process takes under 5 minutes.
That is easy, I never knew this existed but I only have owned mutual funds. My bond funds are getting killed with rising rates and they are short term funds, maybe buying a 1 year T bill makes sense and the yields are far better than a CD. I assume you can do this in a roll over IRA?
Graybeard is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 4 (3 members and 1 guests)
John Galt III, NM_Mike, nwsteve
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


» Quick Links

 
All times are GMT -6. The time now is 05:20 PM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2022, vBulletin Solutions, Inc.