Anyone investing heavily this year??
- Thread starter rph2005
- Start date
Let's talk Series I Savings Bonds for a sec. Yes, I know... bonds aren't sexy (BDSM aside), but 7.12% risk-free return is not bad. Plus, there's speculation that the next rate reset is 9+% (pegged to inflation), which is decent considering historical yearly market returns of 10% on avg.
Obviously, there's always a catch(es).
Short term, I'm tempted. Can't earn that type of return at the bank... Even if I take it out after 1 year and incur a 3 month interest penalty and assuming the government doesn't default, it's risk free.
Example:. deposit $10k now, earn 7.12% for 6 months (interest compounded semiannually). Then next 6 months earn 9+% interest. After that it's a wait and see on what the next reset looks like (Edit: you would know the next rate because it would be known in November). Hopefully we aren't in a high inflation environment by then. But if so, let it ride.
But don't take my word for it
https://www.treasurydirect.gov/indiv/research/indepth/ibonds/res_ibonds_ibuy.htm
www.cnbc.com
Obviously, there's always a catch(es).
- Lock up money for a minimum 1 yr.
- max you could contribute in a calendar year is $10k. Tax refund could add another 5k.
- If you pull the money out between 1 - 5 years, you would lose the last 3 months of interest payments.
- Can only be bought at Treasurydirect.gov
Short term, I'm tempted. Can't earn that type of return at the bank... Even if I take it out after 1 year and incur a 3 month interest penalty and assuming the government doesn't default, it's risk free.
Example:. deposit $10k now, earn 7.12% for 6 months (interest compounded semiannually). Then next 6 months earn 9+% interest. After that it's a wait and see on what the next reset looks like (Edit: you would know the next rate because it would be known in November). Hopefully we aren't in a high inflation environment by then. But if so, let it ride.
But don't take my word for it
https://www.treasurydirect.gov/indiv/research/indepth/ibonds/res_ibonds_ibuy.htm
Rising inflation may increase yearly rates for I bonds. Here's what to know
Fretting about inflation? Series I bonds, an inflation-protected and nearly risk-free asset, may soon pay a higher rate, experts say. Here's what to know.
Last edited:
I'll read up on this. Thanks for the info.Let's talk Series I Savings Bonds for a sec. Yes, I know... bonds aren't sexy (BDSM aside), but 7.12% risk-free return is not bad. Plus, there's speculation that the next rate reset is 9+% (pegged to inflation), which is decent considering historical yearly market returns of 10% on avg.
Obviously, there's always a catch(es).
- Lock up money for a minimum 1 yr.
- max you could contribute in a calendar year is $10k. Tax refund could add another 5k.
- If you pull the money out between 1 - 5 years, you would lose the last 3 months of interest payments.
- Can only be bought at Treasurydirect.gov
Short term, I'm tempted. Can't earn that type of return at the bank... Even if I take it out after 1 year and incur a 3 month interest penalty and assuming the government doesn't default, it's risk free.
Example:. deposit $10k now, earn 7.12% for 6 months (interest compounded semiannually). Then next 6 months earn 9+% interest. After that it's a wait and see on what the next reset looks like. Hopefully we aren't in a high inflation environment by then. But if so, let it ride.
But don't take my word for it
https://www.treasurydirect.gov/indiv/research/indepth/ibonds/res_ibonds_ibuy.htm
Rising inflation may increase yearly rates for I bonds. Here's what to know
Fretting about inflation? Series I bonds, an inflation-protected and nearly risk-free asset, may soon pay a higher rate, experts say. Here's what to know.
Let's talk Series I Savings Bonds for a sec. Yes, I know... bonds aren't sexy (BDSM aside), but 7.12% risk-free return is not bad. Plus, there's speculation that the next rate reset is 9+% (pegged to inflation), which is decent considering historical yearly market returns of 10% on avg.
Obviously, there's always a catch(es).
- Lock up money for a minimum 1 yr.
- max you could contribute in a calendar year is $10k. Tax refund could add another 5k.
- If you pull the money out between 1 - 5 years, you would lose the last 3 months of interest payments.
- Can only be bought at Treasurydirect.gov
Short term, I'm tempted. Can't earn that type of return at the bank... Even if I take it out after 1 year and incur a 3 month interest penalty and assuming the government doesn't default, it's risk free.
Example:. deposit $10k now, earn 7.12% for 6 months (interest compounded semiannually). Then next 6 months earn 9+% interest. After that it's a wait and see on what the next reset looks like. Hopefully we aren't in a high inflation environment by then. But if so, let it ride.
But don't take my word for it
https://www.treasurydirect.gov/indiv/research/indepth/ibonds/res_ibonds_ibuy.htm
Rising inflation may increase yearly rates for I bonds. Here's what to know
Fretting about inflation? Series I bonds, an inflation-protected and nearly risk-free asset, may soon pay a higher rate, experts say. Here's what to know.
Yeah thanks!
Damn i seriously might consider this. Good looksLet's talk Series I Savings Bonds for a sec. Yes, I know... bonds aren't sexy (BDSM aside), but 7.12% risk-free return is not bad. Plus, there's speculation that the next rate reset is 9+% (pegged to inflation), which is decent considering historical yearly market returns of 10% on avg.
Obviously, there's always a catch(es).
- Lock up money for a minimum 1 yr.
- max you could contribute in a calendar year is $10k. Tax refund could add another 5k.
- If you pull the money out between 1 - 5 years, you would lose the last 3 months of interest payments.
- Can only be bought at Treasurydirect.gov
Short term, I'm tempted. Can't earn that type of return at the bank... Even if I take it out after 1 year and incur a 3 month interest penalty and assuming the government doesn't default, it's risk free.
Example:. deposit $10k now, earn 7.12% for 6 months (interest compounded semiannually). Then next 6 months earn 9+% interest. After that it's a wait and see on what the next reset looks like. Hopefully we aren't in a high inflation environment by then. But if so, let it ride.
But don't take my word for it
https://www.treasurydirect.gov/indiv/research/indepth/ibonds/res_ibonds_ibuy.htm
Rising inflation may increase yearly rates for I bonds. Here's what to know
Fretting about inflation? Series I bonds, an inflation-protected and nearly risk-free asset, may soon pay a higher rate, experts say. Here's what to know.
Let's talk Series I Savings Bonds for a sec. Yes, I know... bonds aren't sexy (BDSM aside), but 7.12% risk-free return is not bad. Plus, there's speculation that the next rate reset is 9+% (pegged to inflation), which is decent considering historical yearly market returns of 10% on avg.
Obviously, there's always a catch(es).
- Lock up money for a minimum 1 yr.
- max you could contribute in a calendar year is $10k. Tax refund could add another 5k.
- If you pull the money out between 1 - 5 years, you would lose the last 3 months of interest payments.
- Can only be bought at Treasurydirect.gov
Short term, I'm tempted. Can't earn that type of return at the bank... Even if I take it out after 1 year and incur a 3 month interest penalty and assuming the government doesn't default, it's risk free.
Example:. deposit $10k now, earn 7.12% for 6 months (interest compounded semiannually). Then next 6 months earn 9+% interest. After that it's a wait and see on what the next reset looks like (Edit: you would know the next rate because it would be known in November). Hopefully we aren't in a high inflation environment by then. But if so, let it ride.
But don't take my word for it
https://www.treasurydirect.gov/indiv/research/indepth/ibonds/res_ibonds_ibuy.htm
Rising inflation may increase yearly rates for I bonds. Here's what to know
Fretting about inflation? Series I bonds, an inflation-protected and nearly risk-free asset, may soon pay a higher rate, experts say. Here's what to know.
This dude just posted this up today too:
Let's talk Series I Savings Bonds for a sec. Yes, I know... bonds aren't sexy (BDSM aside), but 7.12% risk-free return is not bad. Plus, there's speculation that the next rate reset is 9+% (pegged to inflation), which is decent considering historical yearly market returns of 10% on avg.
Obviously, there's always a catch(es).
- Lock up money for a minimum 1 yr.
- max you could contribute in a calendar year is $10k. Tax refund could add another 5k.
- If you pull the money out between 1 - 5 years, you would lose the last 3 months of interest payments.
- Can only be bought at Treasurydirect.gov
Short term, I'm tempted. Can't earn that type of return at the bank... Even if I take it out after 1 year and incur a 3 month interest penalty and assuming the government doesn't default, it's risk free.
Example:. deposit $10k now, earn 7.12% for 6 months (interest compounded semiannually). Then next 6 months earn 9+% interest. After that it's a wait and see on what the next reset looks like (Edit: you would know the next rate because it would be known in November). Hopefully we aren't in a high inflation environment by then. But if so, let it ride.
But don't take my word for it
https://www.treasurydirect.gov/indiv/research/indepth/ibonds/res_ibonds_ibuy.htm
Rising inflation may increase yearly rates for I bonds. Here's what to know
Fretting about inflation? Series I bonds, an inflation-protected and nearly risk-free asset, may soon pay a higher rate, experts say. Here's what to know.
Thanks for the info
Semis Watch: PC & Smartphone remain flat but data center (HPC) is up and accounts for more revenue than smartphones for the first time.
The guy in the twitter you posted is really into NIO but I don't trust people. It could be a bump and dump situation.
Although NIO's success is a product of the Chinese government. I still feel like its a legit company. Too bad its affected by political shenanigans.
No.
No difference really but $googl has voting rights, since they are basically the same price I always buy googl
I think that's what they want you to believe.. Right up until all the big fish and institutions are profiting in a few years, off their investments that they made when sentiment was low.
If you're long term, pay attention to who is buying rather than the week to week, month to month prices volatility and opinions. (**not to say that you aren't doing so, just to say don't let the news cycles scare you if you see long term growth potential based on macro factors)
AND, of course: don't go bawls deep with your portfolio allocation.
What yall think of twitter? Worth a weekly Option?
earnings arent even out yet and its tanking hard in after hours lol
Leave the mouse alone!
giving Tesla a 50 grand interest free loan ..
Shit, DeathSantis is doing that himself.
Florida Senate approves stripping Disney of self-government power
They voted on Gov. Ron DeSantis' congressional map and two measures that punish Disney.
www.wesh.com
Earnings were announced at the bell (4pm). The conference call is next.
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