Our July 4th sale is on! Get 10% off our bond courses while bond yields are high. Use coupon code summer2024 through midnight ET on Sunday, July 7th! Join Bond Beginners today (our foundational-level bond course): www.diamondnestegg.com/bond-beginners Bond Masters (our intermediate-level bond course): www.diamondnestegg.com/bond-masters Or get both Bond Beginners & Bond Masters together for even more savings: www.diamondnestegg.com/#_paa2isucf And join our super-supersaver membership for regular market updates & monthly live member Q&As th-cam.com/channels/nexoc6tvesvcCEzZhmI-Ag.htmljoin >>>>>>>>>> WATCH NEXT Our Bond Courses vs TH-cam Membership | Which Is Right For You: th-cam.com/video/H5h4Eyh0hjo/w-d-xo.html Bond Beginners Course Sneak Peak | I-Bonds vs TIPS: th-cam.com/video/uXPzbje1g2E/w-d-xo.html Bond Masters Course Sneak Peak | How To Build A Bond Ladder: th-cam.com/video/p90IDmXn19s/w-d-xo.html >>>>>>>>>> Here is the overview for Bond Beginners: 1. Bond Basics What A Bond Is & How A Bond Works Why Invest In Bonds New Issue vs Secondary Market Bonds Interest Rates & Bond Prices Current Yield & Yield To Maturity Always Remember This! Buying At Par, Above Par & Below Par Different Types Of Bonds Wrap-Up 2. The Risks Of Bond Investing Seven Key Bond Risks Credit Risk Interest Rate Risk Reinvestment Risk/Call Risk Inflation Risk Liquidity Risk Currency Risk & Country Risk Bond Risk Mitigation Strategies Wrap-Up 3. US Treasuries Overview What Are US Treasuries Why Invest In Treasuries Where Can You Buy Treasuries How Are Treasuries Taxed Wrap-Up 4. Treasury Bills What Are Treasury Bills (T-Bills) When Do T-Bill Auctions Happen Where Should You Buy At Auction Auto-Roll When Buying At Auction Where To Find Recent Auction Results High Rate vs Investment Rate Reopening Auctions Cash Management Bills (CMBs) Buying & Selling On Secondary Market Wrap-Up 5. Treasury Notes & Bonds What Are Treasury Notes & Bonds When Do Auctions Happen Buying Treasury Notes & Bonds Auction High Yield vs Interest Rate Floating Rate Notes (FRNs) Treasury Zeros (STRIPS) Wrap-Up 6. TIPS (Inflation-Protected) What Are TIPS When Do TIPS Auctions Happen Nominal vs Real Yields Negative Yields How Do You Adjust TIPS For Inflation Taxes On Phantom Income Secondary Market Liquidity Wrap-Up 7. I-Bonds (Inflation-Protected) What Are I-Bonds How Does I-Bond Interest Work I-Bonds vs TIPS The Annual I-Bond Limit Wrap-Up 8. Agency Bonds The Universe Of Bonds What Are Agency Bonds How Are Agency Bonds Taxed Treasuries vs Agencies Who Might Want To Consider Agencies Yield-To-Call & Yield-To-Worst Where Can You Buy Agency Bonds Wrap-Up 9. Municipal Bonds Our Bond Universe Gets More Complex What Are Municipal Bonds How Safe Are Munis How Are Munis Taxed The De Minimis Rule Social Security & Medicare Premiums Treasuries, Agencies & Munis Who Might Want To Consider Munis Wrap-Up 10. Corporate Bonds Our Bond Universe Is Complete What Are Corporate Bonds How Safe Are Corporates Corporate Bond Hierarchies Five Key Features Of Corporate Bonds How Are Corporates Taxed Treasuries vs Corporates, Etc. Who Might Want To Buy Corporates Wrap-Up >>>>>>>>>> Here is the overview for Bond Masters: 1. Stocks vs Bonds Historical Performance Are Bonds Really Less Volatile Why Invest In Bonds Accumulation vs Decumulation Allocation of Stocks vs Bonds Wrap-Up 2. Which Bonds Might Be Right For You Treasuries & Other Types of Bonds Nominal vs Real Yields Inflation vs Non-Inflation-Protected Taxable vs Tax-Advantaged Accounts Wrap-Up 3. Bond Ladders & Other Bond Strategies Normal vs Inverted Yield Curve What Is A Bond Ladder 5 Important Bond Laddering Questions Laddering When Rates Are Rising Laddering When Rates Are Falling Laddering When Rates Are Uncertain What Is A Bullet What Is A Barbell Wrap-Up 4. Holding to Maturity vs Selling Early Why Hold to Maturity When To Sell Early Before Maturity Tax Implications Of Selling Early Wrap-Up 5. Individual Bonds, Bond Funds, Etc. Why Buy Individual Bonds Why Buy Bond Funds Bond Fund Considerations Key Bond Fund Concepts CDs vs Treasuries Other High-Yield Investments Wrap-Up 6. Our B.E.S.T. Model Portfolios By Age Our B.E.S.T Model Portfolios By Age Model Portfolios In The Industry B.E.S.T Model Portfolio Difference How Much Do You Need To Retire? How I Use The Rules of 100, 110, & 120 B.E.S.T Model Portfolios (20s) B.E.S.T Model Portfolios (30s & 40s) B.E.S.T Model Portfolios (50s & 60s) B.E.S.T Model Portfolios (70s+) Wrap-Up 7. The Decumulation Phase What Is The Decumulation Phase? Bear Markets & Recessions What Can You Do In Bad/Bear Markets Decumulation Tax Considerations The 4% Rule The Bucket Strategy The Flooring Approach Jen’s Bucket Strategy With A Twist Wrap-Up >>>>>>>>>> SOURCES & FOLLOW-UP VIDEOS FOR TODAY'S VIDEO: www.treasurydirect.gov/auctions/results/ How To Buy T-Notes & Bonds: th-cam.com/play/PLsv_4H5rP97GOKpo3ognXkKV84sgaYoi3.html&si=7Ki8nkaB-ggj2Hh_ How To Buy T-Bills: th-cam.com/play/PLsv_4H5rP97FNVjjEOvf4rf5ceQ29T_Uw.html&si=SO_9vRz9Xk7dtMJi >>>>>>>>>> Thanks for visiting our personal finance channel! We hope this content will help fast-track your financial journey! Everyone's financial journey is different. Please note that: 1) there are questions/ comments which I will not be able to answer without fully understanding your financial, personal & other circumstances & 2) we will not ask you to call us or send us money in the comments on this channel or any of our other social media accounts, so if you see comment(s) along those lines, it is most likely spam - PLEASE DO NOT ENGAGE WITH SPAMMERS OR GIVE OUT YOUR PERSONAL INFORMATION FOR YOUR OWN SAFETY.
I found this channel during covid and watch everything you post. I had no idea how finically illiterate I was and thank God that I am now a lot better than what I was and still learning. Thank you for sharing this information and the way you make it easy!!
Still staying short... longer dated bonds would have to be above 5% before I'd lstart locking in at this point I think.... they seem to be inching up slowly... looking at the current state of everything, i still think there is more to do before the fed can actually start dropping rates....still too much inflation...we r not quite there yet. That's my 2 cents anyway
I agree w you. All the hard chart indicators that drive the longer term bonds dictate a rise in rates. Yet the Feds Mr Powell says otherwise. I expect a 0.25 drop in rates for the November election ‘show’. But I too want 5% long term and slightly better coupon rates. What really worries me is BRICS in the long play. What if de dollarization speeds up ! How will THAT impact a 10 year or 20 year bond! That worries me…. a lot.
@diamondnestegg I’ve done this over the past 2 years. Basically DCA through a rolling window. I have a rolling window of bonds i started buying since 2022. Bills expiring every single week going out six months, and the one year maturing every month. I have 2 and three year notes expiring every month for the next 3 years… and then I have 5 and 10 year notes expiring every quarter. Finally I have some zero coupon bonds expiring every half year for the next 20 years. Don’t think I’ll ever stop this rolling window. Also have most of it automated with auto-roll. Best form of passive income there is.
Thank you for the info! I'm still staying in short-term Treasuries for a while. Waiting for 5% for longer-duration Treasuries. [By the way, I'm an editor and want to point out that "straightforward" is one word. Hope you don't mind my pointing that out.]
Excellent video, reminds me of a piece of wisdom I got as a young finance major from a professor nearly half a century ago. A great way to go broke is making bets on the direction of interest rates.
plan to keep doing 13 week tbills and see if yield curve continues to de-invert to point where longer term treasuries have higher rates before buying those
I’m worried that when the feds lower interest rates in Sept (most likely) that bond rates will drop. Which mean dollar cost averaging -may not have much time to
For now, while I'm working and living in a high tax state, I'm buying 13-week T bills each week (dollar cost averaging), with maturities until the end of this year. Then, in retirement and living in a zero income tax state, my plan is to buy CDs (brokered).
@@Alex-he1ve Well, Nevada, but I'm ignoring all other factors, besides income tax, because I'm not planning on hanging around. If I had to live there indefinitely, then probably Washington, although their tax laws are changing, and the PNW can be...weird. Florida and Texas are too hot. SD is in the middle of nowhere. Forget Alaska, etc.
You probably have some pretty good books back there, I can read a few of them from the cover but not all of them. I'm sitting here looking at those instead of listening lol.
My long-term CD's and Bonds yield an average of 4.65%. I am waiting to add more if yields go up, if they don't, I'll invest the $ in the market. I bought my first ones in April 2023, and I have DCA into different maturities since then.
Straddling here. I have a 12 month CD ladder (1 year CD coming due each month), 4 weeks of 4-week bills (one auto rolls every week), and some 20 year T-Bonds I recently picked up secondary. My "straddle" is under 1 year straddles my low cost bond index fund with the 20-years on the other end. I am 80/20 so not a large enough amount on the bonds side to ladder too much more. I grabbed the 20-year bonds (4.5%+ coupons) to hedge my short term bets a little. I will shift more out of my bond fund if we cross 5% on the 20-30 year and get more.
I would like to see 5%. Buying some small amounts in 2 ,3, and 5 year so far. Hoping we see a bit higher rates, but doubt that will happen. Have been buying CDs for my rollover Ira. I’ve noticed those rates are decreasing slightly and there’s much less to choose from lately. It seems the banks are getting ready for the interest rate cuts. Hoping we don’t get a cut til the end of the year or next year. Wishful thinking. Thanks Jennifer for these helpful videos!
Hi Debra - It might also have to do with the fact that many of the banks raised a fair bit of cash in the first half of the year. I saw your curiosity in some of the other questions/comments. Will try to cover as much as I can in tonight's Bond Beginners live course session! Also, Eva told me about your problem with the live chat last time - we're still looking into it as it seemed to be an isolated incident. I hope you can access it tonight! Jennifer
@@DiamondNestEgg thank you Jennifer. Didn’t know that about the banks. Makes sense. Unfortunately I didn’t purchase the bond beginners, just the bond masters program so I won’t be there this evening. Not sure why both bond master s live sessions I couldn’t access chat. Appreciate you looking into it. 💟
@@debrabullion3766 Hi Debra! Sorry, we chat so often, Jennifer probably just assumed you were in both courses 🙂 I've moved the question(s) to the live member Q&A on 7/22. It requires a few charts so that's even better in terms of timing! Best - Eva
Also, we tested the live chat on multiple iPads & iPhones & it seems to be working as of today so hopefully you won't have any issues in the future! Best - Eva
Started averaging into longer term Notes and Bonds after the first Fed pause on rate hikes. Some were lower, some were yielding higher. But it all averages out and the interest coupons are reinvested to compound the interest. VT247
Just a wishful request for a future video topic please. If BRICS & friends continues de dollaring….. what might that mean for the bond market both short and long term plays? Will the Fed need to raise bond rates in order to sell their debt to the world at that point? TYIA Jen
Keep in mind you’ll have to pay state and federal taxes on spaxx, whereas just federal tax on bills, notes and bonds. I keep just enough for emergencies in spaxx linked to the Fidelity debit card / check book and put the rest in bills.
@@jasonjaskey SPAXX is partially state-tax free, but FDLXX is (as of now) 100% state tax free and has a before-tax yield only slightly lower than SPAXX. But if you have a state income tax, that difference is often more than made up for with the tax savings with the after-tax yield of FDLXX being higher.
Depends on the duration, check out their schedule on treasury direct. I buy 6 month t bills. They usually have auctions on Mondays and issue the bonds on Thursday. You have to buy them before Monday on treasury direct, and by 10am(?) on Monday if buying them through Schwab...
Not sure where you are auto-rolling (TreasuryDirect, Fidelity, etc.), but I believe you can just let the auto-roll happen and do a separate purchase of the additional t-bills you want. Since they will all be the same CUSIP, they will appear as one t-bill in your account equal to the combined amount that you auto-rolled and bought separately.
In Fidelity, I just put in a new order for the additional amount that I want to add, and then it shows up as one position after both orders execute. This is assuming that I also auto-roll the new order.
Vanguard has the best money market rates but worst customer service. If they spent more money on customer service, they probably couldn't afford to pay such high rates. I had considered joining Vanguard, but after 20 minutes on hold I changed my mind.
Our July 4th sale is on! Get 10% off our bond courses while bond yields are high. Use coupon code summer2024 through midnight ET on Sunday, July 7th!
Join Bond Beginners today (our foundational-level bond course): www.diamondnestegg.com/bond-beginners
Bond Masters (our intermediate-level bond course): www.diamondnestegg.com/bond-masters
Or get both Bond Beginners & Bond Masters together for even more savings: www.diamondnestegg.com/#_paa2isucf
And join our super-supersaver membership for regular market updates & monthly live member Q&As th-cam.com/channels/nexoc6tvesvcCEzZhmI-Ag.htmljoin
>>>>>>>>>>
WATCH NEXT
Our Bond Courses vs TH-cam Membership | Which Is Right For You: th-cam.com/video/H5h4Eyh0hjo/w-d-xo.html
Bond Beginners Course Sneak Peak | I-Bonds vs TIPS: th-cam.com/video/uXPzbje1g2E/w-d-xo.html
Bond Masters Course Sneak Peak | How To Build A Bond Ladder: th-cam.com/video/p90IDmXn19s/w-d-xo.html
>>>>>>>>>>
Here is the overview for Bond Beginners:
1. Bond Basics
What A Bond Is & How A Bond Works
Why Invest In Bonds
New Issue vs Secondary Market Bonds
Interest Rates & Bond Prices
Current Yield & Yield To Maturity
Always Remember This!
Buying At Par, Above Par & Below Par
Different Types Of Bonds
Wrap-Up
2. The Risks Of Bond Investing
Seven Key Bond Risks
Credit Risk
Interest Rate Risk
Reinvestment Risk/Call Risk
Inflation Risk
Liquidity Risk
Currency Risk & Country Risk
Bond Risk Mitigation Strategies
Wrap-Up
3. US Treasuries Overview
What Are US Treasuries
Why Invest In Treasuries
Where Can You Buy Treasuries
How Are Treasuries Taxed
Wrap-Up
4. Treasury Bills
What Are Treasury Bills (T-Bills)
When Do T-Bill Auctions Happen
Where Should You Buy At Auction
Auto-Roll When Buying At Auction
Where To Find Recent Auction Results
High Rate vs Investment Rate
Reopening Auctions
Cash Management Bills (CMBs)
Buying & Selling On Secondary Market
Wrap-Up
5. Treasury Notes & Bonds
What Are Treasury Notes & Bonds
When Do Auctions Happen
Buying Treasury Notes & Bonds
Auction High Yield vs Interest Rate
Floating Rate Notes (FRNs)
Treasury Zeros (STRIPS)
Wrap-Up
6. TIPS (Inflation-Protected)
What Are TIPS
When Do TIPS Auctions Happen
Nominal vs Real Yields
Negative Yields
How Do You Adjust TIPS For Inflation
Taxes On Phantom Income
Secondary Market Liquidity
Wrap-Up
7. I-Bonds (Inflation-Protected)
What Are I-Bonds
How Does I-Bond Interest Work
I-Bonds vs TIPS
The Annual I-Bond Limit
Wrap-Up
8. Agency Bonds
The Universe Of Bonds
What Are Agency Bonds
How Are Agency Bonds Taxed
Treasuries vs Agencies
Who Might Want To Consider Agencies
Yield-To-Call & Yield-To-Worst
Where Can You Buy Agency Bonds
Wrap-Up
9. Municipal Bonds
Our Bond Universe Gets More Complex
What Are Municipal Bonds
How Safe Are Munis
How Are Munis Taxed
The De Minimis Rule
Social Security & Medicare Premiums
Treasuries, Agencies & Munis
Who Might Want To Consider Munis
Wrap-Up
10. Corporate Bonds
Our Bond Universe Is Complete
What Are Corporate Bonds
How Safe Are Corporates
Corporate Bond Hierarchies
Five Key Features Of Corporate Bonds
How Are Corporates Taxed
Treasuries vs Corporates, Etc.
Who Might Want To Buy Corporates
Wrap-Up
>>>>>>>>>>
Here is the overview for Bond Masters:
1. Stocks vs Bonds
Historical Performance
Are Bonds Really Less Volatile
Why Invest In Bonds
Accumulation vs Decumulation
Allocation of Stocks vs Bonds
Wrap-Up
2. Which Bonds Might Be Right For You
Treasuries & Other Types of Bonds
Nominal vs Real Yields
Inflation vs Non-Inflation-Protected
Taxable vs Tax-Advantaged Accounts
Wrap-Up
3. Bond Ladders & Other Bond Strategies
Normal vs Inverted Yield Curve
What Is A Bond Ladder
5 Important Bond Laddering Questions
Laddering When Rates Are Rising
Laddering When Rates Are Falling
Laddering When Rates Are Uncertain
What Is A Bullet
What Is A Barbell
Wrap-Up
4. Holding to Maturity vs Selling Early
Why Hold to Maturity
When To Sell Early Before Maturity
Tax Implications Of Selling Early
Wrap-Up
5. Individual Bonds, Bond Funds, Etc.
Why Buy Individual Bonds
Why Buy Bond Funds
Bond Fund Considerations
Key Bond Fund Concepts
CDs vs Treasuries
Other High-Yield Investments
Wrap-Up
6. Our B.E.S.T. Model Portfolios By Age
Our B.E.S.T Model Portfolios By Age
Model Portfolios In The Industry
B.E.S.T Model Portfolio Difference
How Much Do You Need To Retire?
How I Use The Rules of 100, 110, & 120
B.E.S.T Model Portfolios (20s)
B.E.S.T Model Portfolios (30s & 40s)
B.E.S.T Model Portfolios (50s & 60s)
B.E.S.T Model Portfolios (70s+)
Wrap-Up
7. The Decumulation Phase
What Is The Decumulation Phase?
Bear Markets & Recessions
What Can You Do In Bad/Bear Markets
Decumulation Tax Considerations
The 4% Rule
The Bucket Strategy
The Flooring Approach
Jen’s Bucket Strategy With A Twist
Wrap-Up
>>>>>>>>>>
SOURCES & FOLLOW-UP VIDEOS FOR TODAY'S VIDEO:
www.treasurydirect.gov/auctions/results/
How To Buy T-Notes & Bonds: th-cam.com/play/PLsv_4H5rP97GOKpo3ognXkKV84sgaYoi3.html&si=7Ki8nkaB-ggj2Hh_
How To Buy T-Bills: th-cam.com/play/PLsv_4H5rP97FNVjjEOvf4rf5ceQ29T_Uw.html&si=SO_9vRz9Xk7dtMJi
>>>>>>>>>>
Thanks for visiting our personal finance channel! We hope this content will help fast-track your financial journey! Everyone's financial journey is different. Please note that: 1) there are questions/ comments which I will not be able to answer without fully understanding your financial, personal & other circumstances & 2) we will not ask you to call us or send us money in the comments on this channel or any of our other social media accounts, so if you see comment(s) along those lines, it is most likely spam - PLEASE DO NOT ENGAGE WITH SPAMMERS OR GIVE OUT YOUR PERSONAL INFORMATION FOR YOUR OWN SAFETY.
Gotta admit Jen's short term bond buying was a great strategy. Good judgement 🏆
@eddenoy321 Hope you had a happy 4th!
I found this channel during covid and watch everything you post. I had no idea how finically illiterate I was and thank God that I am now a lot better than what I was and still learning. Thank you for sharing this information and the way you make it easy!!
Still staying short... longer dated bonds would have to be above 5% before I'd lstart locking in at this point I think.... they seem to be inching up slowly... looking at the current state of everything, i still think there is more to do before the fed can actually start dropping rates....still too much inflation...we r not quite there yet. That's my 2 cents anyway
I agree w you. All the hard chart indicators that drive the longer term bonds dictate a rise in rates. Yet the Feds Mr Powell says otherwise. I expect a 0.25 drop in rates for the November election ‘show’. But I too want 5% long term and slightly better coupon rates.
What really worries me is BRICS in the long play. What if de dollarization speeds up ! How will THAT impact a 10 year or 20 year bond! That worries me…. a lot.
A couple of days ago I sold all my three-month bills and put the proceeds into one-year bills. I got 5.137%.
@diamondnestegg I’ve done this over the past 2 years. Basically DCA through a rolling window. I have a rolling window of bonds i started buying since 2022. Bills expiring every single week going out six months, and the one year maturing every month. I have 2 and three year notes expiring every month for the next 3 years… and then I have 5 and 10 year notes expiring every quarter. Finally I have some zero coupon bonds expiring every half year for the next 20 years. Don’t think I’ll ever stop this rolling window. Also have most of it automated with auto-roll. Best form of passive income there is.
Good to know Dan - thanks for sharing!!!
Thank you for the info! I'm still staying in short-term Treasuries for a while. Waiting for 5% for longer-duration Treasuries. [By the way, I'm an editor and want to point out that "straightforward" is one word. Hope you don't mind my pointing that out.]
Noted - thanks!
A good idea for a video topic would be - How to buy a note or bond on the secondary market at a discount or par.
Here you go Chris - they include Fidelity, Schwab & Vanguard:
th-cam.com/play/PLsv_4H5rP97GOKpo3ognXkKV84sgaYoi3.html
Best - Eva
this video was very helpful, watched it twice.
Excellent video, reminds me of a piece of wisdom I got as a young finance major from a professor nearly half a century ago. A great way to go broke is making bets on the direction of interest rates.
Sharing this with friends.
plan to keep doing 13 week tbills and see if yield curve continues to de-invert to point where longer term treasuries have higher rates before buying those
I’m worried that when the feds lower interest rates in Sept (most likely) that bond rates will drop. Which mean dollar cost averaging -may not have much time to
For now, while I'm working and living in a high tax state, I'm buying 13-week T bills each week (dollar cost averaging), with maturities until the end of this year. Then, in retirement and living in a zero income tax state, my plan is to buy CDs (brokered).
What is your preferred zero income tax state?
@@Alex-he1ve Well, Nevada, but I'm ignoring all other factors, besides income tax, because I'm not planning on hanging around. If I had to live there indefinitely, then probably Washington, although their tax laws are changing, and the PNW can be...weird. Florida and Texas are too hot. SD is in the middle of nowhere. Forget Alaska, etc.
You probably have some pretty good books back there, I can read a few of them from the cover but not all of them. I'm sitting here looking at those instead of listening lol.
I'd rather buy equities than long duration bonds.
My long-term CD's and Bonds yield an average of 4.65%. I am waiting to add more if yields go up, if they don't, I'll invest the $ in the market. I bought my first ones in April 2023, and I have DCA into different maturities since then.
Straddling here. I have a 12 month CD ladder (1 year CD coming due each month), 4 weeks of 4-week bills (one auto rolls every week), and some 20 year T-Bonds I recently picked up secondary. My "straddle" is under 1 year straddles my low cost bond index fund with the 20-years on the other end. I am 80/20 so not a large enough amount on the bonds side to ladder too much more. I grabbed the 20-year bonds (4.5%+ coupons) to hedge my short term bets a little. I will shift more out of my bond fund if we cross 5% on the 20-30 year and get more.
I would like to see 5%. Buying some small amounts in 2 ,3, and 5 year so far. Hoping we see a bit higher rates, but doubt that will happen. Have been buying CDs for my rollover Ira. I’ve noticed those rates are decreasing slightly and there’s much less to choose from lately. It seems the banks are getting ready for the interest rate cuts. Hoping we don’t get a cut til the end of the year or next year. Wishful thinking. Thanks Jennifer for these helpful videos!
Hi Debra - It might also have to do with the fact that many of the banks raised a fair bit of cash in the first half of the year. I saw your curiosity in some of the other questions/comments. Will try to cover as much as I can in tonight's Bond Beginners live course session! Also, Eva told me about your problem with the live chat last time - we're still looking into it as it seemed to be an isolated incident. I hope you can access it tonight! Jennifer
@@DiamondNestEgg thank you Jennifer. Didn’t know that about the banks. Makes sense.
Unfortunately I didn’t purchase the bond beginners, just the bond masters program so I won’t be there this evening. Not sure why both bond master s live sessions I couldn’t access chat. Appreciate you looking into it. 💟
@@debrabullion3766 Hi Debra! Sorry, we chat so often, Jennifer probably just assumed you were in both courses 🙂 I've moved the question(s) to the live member Q&A on 7/22. It requires a few charts so that's even better in terms of timing! Best - Eva
Also, we tested the live chat on multiple iPads & iPhones & it seems to be working as of today so hopefully you won't have any issues in the future! Best - Eva
@@DiamondNestEgg thank you Eva! Appreciate the job you’re doing. 🥰
Started averaging into longer term Notes and Bonds after the first Fed pause on rate hikes. Some were lower, some were yielding higher. But it all averages out and the interest coupons are reinvested to compound the interest.
VT247
Thanks 🎉
300k invested for twelve months is, 15k...... i am not losing sleep worried about losing or gaining 1%
Just a wishful request for a future video topic please. If BRICS & friends continues de dollaring….. what might that mean for the bond market both short and long term plays? Will the Fed need to raise bond rates in order to sell their debt to the world at that point? TYIA Jen
still holding 500k in SPAXX currently @ 4.97%..... need to get off the pot before too late.
So, what is the % of SPAXX in your portfolio? In my case it's about 10%.
Keep in mind you’ll have to pay state and federal taxes on spaxx, whereas just federal tax on bills, notes and bonds. I keep just enough for emergencies in spaxx linked to the Fidelity debit card / check book and put the rest in bills.
@@jasonjaskey SPAXX is partially state-tax free, but FDLXX is (as of now) 100% state tax free and has a before-tax yield only slightly lower than SPAXX. But if you have a state income tax, that difference is often more than made up for with the tax savings with the after-tax yield of FDLXX being higher.
Why not buy fzdxx -premium 5.26? My understanding is it can go lower than 100 K after you buy into it as long as you keep it above 10 K.
@@lizkrumpter nothing wrong with that option either if you have the initial 100k to buy in
Should retirees being going longer on bond yields ?
What day of the week is best for buying tbills? Tues or Wednes?
Depends on the duration, check out their schedule on treasury direct. I buy 6 month t bills. They usually have auctions on Mondays and issue the bonds on Thursday. You have to buy them before Monday on treasury direct, and by 10am(?) on Monday if buying them through Schwab...
@@gregbannish8423 TreasuryDirect cut-off time for T-Bills is 11am the day of the auction.
Can I add money to a existing treasury direct t bills when it is set to auto roll ? Thanks Rick..
Not sure where you are auto-rolling (TreasuryDirect, Fidelity, etc.), but I believe you can just let the auto-roll happen and do a separate purchase of the additional t-bills you want. Since they will all be the same CUSIP, they will appear as one t-bill in your account equal to the combined amount that you auto-rolled and bought separately.
In Fidelity, I just put in a new order for the additional amount that I want to add, and then it shows up as one position after both orders execute. This is assuming that I also auto-roll the new order.
Staying short.
Would like to know why vanguard money market rates are so much higher than fidelity?
What are the mm rates at vanguard?
Vanguard has the best money market rates but worst customer service. If they spent more money on customer service, they probably couldn't afford to pay such high rates. I had considered joining Vanguard, but after 20 minutes on hold I changed my mind.