大家了解T Bill 吗？那个投资怎么样？

[StillWandering]

Treasury Bill, 美国国债，靠谱吗？有懂的大拿来说说。

[whiteriver2009]

Hold on for seconds. Don’t buy it until the debt ceiling extends.

I transferred money to fidelity and buy the floating rate high income mutual fund with monthly yield: 6.68%, very stable value

[cboe]

美帝的国债，美帝的大盘，

普通中产都是闭着眼买。。。

[萧武达]

和其他投资比，这个太靠谱了

[Dzeko]

Treasury Bill, 美国国债，靠谱吗？有懂的大拿来说说。

Tricky question, you need to define "靠谱" more clearly. But here is my thoughts anyway
When interest rate is high like now:
3-month? Good
Long term? Big No coz frequent change of interest rate

Here is an article discussing debt ceiling on T-bill:
https://seekingalpha.com/article/459717 ... sury-bills

Disclosure: hold USFR in my personal portfolio (you can find an article by the same author on USFR:
https://seekingalpha.com/article/459153 ... it-account)

YMYD, not finance advice by any means ...

[StillWandering]

Hold on for seconds. Don’t buy it until the debt ceiling extends.

I transferred money to fidelity and buy the floating rate high income mutual fund with monthly yield: 6.68%, very stable value

这个很高了啊感谢推荐

[StillWandering]

Tricky question, you need to define "靠谱" more clearly. But here is my thoughts anyway
3-month? Good
Long term? Big No coz frequent change of interest rate

Here is an article discussing debt ceiling on T-bill:
https://seekingalpha.com/article/459717 ... sury-bills

Disclosure: hold USFR in my personal portfolio (you can find an article by the same author on USFR:
https://seekingalpha.com/article/459153 ... it-account)

YMYD, not finance advice by any means ...

太棒了，感谢分享！

[StillWandering]

美帝的国债，美帝的大盘，

普通中产都是闭着眼买。。。

收到

[StillWandering]

和其他投资比，这个太靠谱了

买买买

[temptemp]

这个mutual funds 应该随时买卖？ 是按月还是按日支付return?
有没这个fund 文章。找了几篇 感觉没啥深刻内容。

Hold on for seconds. Don’t buy it until the debt ceiling extends.

I transferred money to fidelity and buy the floating rate high income mutual fund with monthly yield: 6.68%, very stable value

[Dzeko]

Hold on for seconds. Don’t buy it until the debt ceiling extends.

I transferred money to fidelity and buy the floating rate high income mutual fund with monthly yield: 6.68%, very stable value

Can be risky if you have recession concern ... Take a look at what happened ~03/2020

[whiteriver2009]

Certainly, risk still exists for floating rate high income mutual fund. But its return is over 6.0%.

T-till should be more cautious now. I think controlling of debt is more important than raising the debt ceiling. As such I believe there is a very tough time ahead.

You could always leave money in any brokerage account, where store your money in money market saving, which could give you 4.5% return. Alternatively, you can buy new CDs, which give you 5.0% return. For both, you need to pay state tax for capital gain

[jiujianoufu]

Hold on for seconds. Don’t buy it until the debt ceiling extends.

I transferred money to fidelity and buy the floating rate high income mutual fund with monthly yield: 6.68%, very stable value

Are you kidding me? You have 6.68% monthly yield rate ?

[temptemp]

这个　ｅｔｆ　也不错　如果你不喜欢　ｍｕｔｕａｌ　ｆｕｎｄ
https://www.invesco.com/us/financial-pr ... icker=BKLN

[nk]

这个　ｅｔｆ　也不错　如果你不喜欢　ｍｕｔｕａｌ　ｆｕｎｄ
https://www.invesco.com/us/financial-pr ... icker=BKLN

楼主是找保守安全的投资。

你的那个东西不合适，不要把别人带进沟里去了。

[Dzeko]

Certainly, risk still exists for floating rate high income mutual fund. But its return is over 6.0%.

T-till should be more cautious now. I think controlling of debt is more important than raising the debt ceiling. As such I believe there is a very tough time ahead.

You could always leave money in any brokerage account, where store your money in money market saving, which could give you 4.5% return. Alternatively, you can buy new CDs, which give you 5.0% return. For both, you need to pay state tax for capital gain

I would say 3 month t-bill (such as USFR yield >4%) is quite comfort to park the cash under current situation and there are quite a lot data available to check. For long term t-bill, I would agree with you.

Based on all kinds of data, I still think the recession risk is quite high in the next 6-12 months. With that in mind, ~1% above the risk free rate does not justify the risk at least for me ... I would buy high yield/junk bond when the high yield rate spread spike up above 6% such as 7/22

good discussion!

[snowinwind]

他这个是年化收益率，不是一个月的收益。

Are you kidding me? You have 6.68% monthly yield rate ?

[agi]

Hold on for seconds. Don’t buy it until the debt ceiling extends.

I transferred money to fidelity and buy the floating rate high income mutual fund with monthly yield: 6.68%, very stable value

你知道美债破产 你的fund 还能活下去吗
连fdic 保证都可能无法兑现了
股市也得垮掉
没人知道美债default后美国会是什么样

[nk]

Hold on for seconds. Don’t buy it until the debt ceiling extends.

I transferred money to fidelity and buy the floating rate high income mutual fund with monthly yield: 6.68%, very stable value

Fidelity Floating Rate High Income Fund 居然有80%的是bank loan. 懂行的来解释一下这个bank loan 在银行破产后安不安全？

楼主是找保守安全的投资。还是买 T-Bills 吧

[nk]

你知道美债破产 你的fund 还能活下去吗
连fdic 保证都可能无法兑现了
股市也得垮掉
没人知道美债default后美国会是什么样

Totally agree.

如果美债default后，整个美国经济都会垮掉的，FDIC 也没有用了。只有实体黄金才是安全的。