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There's a 13 week Treasury bill auction on Tuesday (912796CX5). It matures 4/18. It has pretty good timing to invest in the Treasury note auction, collect 5+% for a few months, then see where things are before the ibond rate resets on 4/30. In all likelihood all the money I'm putting into the...

I'd feel a lot better owning TIPS for a 30 year duration. It's better to not have to guess at inflation over such a long period, I think. 30 year TIPS are paying ~2% above whatever CPI is currently.

Looks like the new I Bond fixed rate is out, 1.3%. So the new composite rate will be 5.27%. https://tipswatch.com/2023/10/31/i-bonds-fixed-rate-rises-to-1-3-highest-in-more-than-16-years/

It took a minute to dig it up, here's their latest pdf with the rates: https://static1.squarespace.com/static/623c9e43e2677963d6ca81ba/t/65157d4a9f906c6fe5478f22/1695907146227/Ibexis_RateSheet_092823_Banding.pdf (found on https://ibexis.com/myga-plus) 6.45% seems like it would beat anything...

Pretty common, I use Vanguard and usually the CUSIPs people list here from Fido/Schwab aren't available on Vanguard.

The lowest that TIPS will pay out is face value (par value) of $100/bond. If we experience deflation (meaning negative inflation numbers, not just a drop closer to 0) the payout of TIPS can drop until it hits face value. Most brokerages have 10 bonds as the minimum, so for a $1200 purchase in...

The important thing to look at is the break even rate compared to nominal treasuries (or CDs). i.e. at what inflation rate does TIPS beat, or lose, to the CDs. I picked up 5 year tips at 1.832% in the last auction back in June, I was pretty happy with the rate, the breakeven rate (compared to...

That's an interesting point that I didn't think about. These reports? https://www.moodys.com/credit-ratings/JPMorgan-Chase-Co-credit-rating-165000 or something specific to each CUSIP? Are you considering the ratings when you buy them (A-/BBB+)? I'm new to corporate bonds, I had assumed that...

How are people looking at risk in corporate bonds? Maybe someone can help me out with understanding the risk between two bonds that I saw mentioned on another thread (CUSIP 46625HJM3 and 48130CBN4). 46625HJM3 from JPM: it is rated BBB+ and has 'subordinated' debt. 48130CBN4 from JPM it is rated...

To add a bit more to the mechanics, TIPS are often measured with a breakeven rate which compares them to nominal treasuries. For example I recently bought 5 year TIPS where the breakeven rate was 2.2%. The 5 year TIPS auctioned at 1.83% (that is the payout above inflation) 5 Year treasury notes...

I'll have to look into this in more detail. If I realize $35k of gains the ACA silver plan is $125/month (same premium at age 40 vs 60). The maximum out of pocket for a silver plan is $9,100, but I haven't actually shopped around individual plans to see if any of them have a lower max out of...

I should be able to access my ~15 years of contributions, but I think I'd probably have to play some accounting tricks to access at least some of the money. Eg if $10k of TIPS matures inside the Roth, I'd buy $10k of VTSAX (or whatever) in the Roth and sell $10k of VTSAX in my taxable brokerage...

I'm not single, but my partner of 8 years manages her finances and retirement separately. We aren't married, but obviously our plans are somewhat intertwined since we live together and have common expenses. There will never be kids, however. I think waiting until 70 is probably optimal. I...

Hi all, first post here but have been working on early retirement for a number of years now. I'm looking to retire at age 40 in 2026. This gives me 22 years until I can collect my estimated social security check of $1,500/month at age 62. I've been thinking: wouldn't it be nice if I could start...