Anonymous
Post 01/21/2025 18:40     Subject: T bills, I bond, or else
I have been buying T-bills and CDs through my online broker since early 2023. Right now you get about 4.3% for 3-4 year T-Bills and state tax free. That seems to be the sweet spot. But, I have gotten as high 5% on a 2 yr CD last year.

I turn 60 this year, so looking to lock up some income, even though still working. May not be for everyone, especially if younger.
Anonymous
Post 01/20/2025 21:49     Subject: Re:T bills, I bond, or else
Anonymous wrote:
Anonymous wrote:What a dumb question. Go get a financial planner so you don't make stupid mistakes and ask stupid questions.


A dumb question? How so? You sound super smart. What mistakes should I watch out for??


I would disregard that one. Probably drunk.
Anonymous
Post 01/20/2025 21:43     Subject: Re:T bills, I bond, or else
Anonymous wrote:What a dumb question. Go get a financial planner so you don't make stupid mistakes and ask stupid questions.


A dumb question? How so? You sound super smart. What mistakes should I watch out for??
Anonymous
Post 01/20/2025 21:37     Subject: T bills, I bond, or else
They’re easy and you can cash out whenever you might need the funds for something else. I usually put $10K/yr in i-bonds and have various 4-week thru 1-year t-bills.
Anonymous
Post 01/20/2025 19:36     Subject: Re:T bills, I bond, or else
Ummm, what do you think this forum is for, if not to discuss possible financial choices?
Anonymous
Post 01/20/2025 19:34     Subject: Re:T bills, I bond, or else
What a dumb question. Go get a financial planner so you don't make stupid mistakes and ask stupid questions.
Anonymous
Post 01/20/2025 19:23     Subject: T bills, I bond, or else
Anonymous wrote:T bills have tax advantages that the vanguard money market does not.


Not if you use Vanguard’s federal money market, which is the first one listed on that page
Anonymous
Post 01/20/2025 08:13     Subject: T bills, I bond, or else
T bills have tax advantages that the vanguard money market does not.
Anonymous
Post 01/20/2025 07:59     Subject: T bills, I bond, or else
I use Ibonds but they are currently yielding 3.11%
Anonymous
Post 01/20/2025 07:58     Subject: Re:T bills, I bond, or else
Anonymous wrote:Put it in a Vanguard money market fund yielding >4%
https://investor.vanguard.com/investment-products/money-markets


This is a good idea.

TIPS might be a good idea if you want inflation protection (esp with the possibility of Trump tariffs) but they can spin off “phantom” income— ibonds are simpler and tax deferred so I’d throw 10k at those if you have a bu ch to invest.
Anonymous
Post 01/20/2025 07:58     Subject: T bills, I bond, or else
Open Bank is 4.75%
Anonymous
Post 01/19/2025 21:57     Subject: Re:T bills, I bond, or else
Put it in a Vanguard money market fund yielding >4%
https://investor.vanguard.com/investment-products/money-markets
Anonymous
Post 01/19/2025 20:31     Subject: T bills, I bond, or else
Sitting on too much cash earning less than 4%. Any recommendations? I am thinking buying T bills and I bond. Thoughts on those? No stocks. Most of my assets are in the market already.