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大家了解T Bill 吗?那个投资怎么样?

发表于 : 2023年 4月 28日 23:21
StillWandering
Treasury Bill, 美国国债,靠谱吗?有懂的大拿来说说。

Re: 大家了解T Bill 吗?那个投资怎么样?

发表于 : 2023年 4月 29日 07:00
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

Re: 大家了解T Bill 吗?那个投资怎么样?

发表于 : 2023年 4月 29日 09:28
cboe
美帝的国债,美帝的大盘,

普通中产都是闭着眼买。。。

Re: 大家了解T Bill 吗?那个投资怎么样?

发表于 : 2023年 4月 29日 09:43
萧武达
和其他投资比,这个太靠谱了

Re: 大家了解T Bill 吗?那个投资怎么样?

发表于 : 2023年 4月 29日 09:43
Dzeko
StillWandering 写了: 2023年 4月 28日 23:21 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 ...

Re: 大家了解T Bill 吗?那个投资怎么样?

发表于 : 2023年 4月 29日 09:45
StillWandering
whiteriver2009 写了: 2023年 4月 29日 07:00 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

Re: 大家了解T Bill 吗?那个投资怎么样?

发表于 : 2023年 4月 29日 09:47
StillWandering
Dzeko 写了: 2023年 4月 29日 09:43 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!

Re: 大家了解T Bill 吗?那个投资怎么样?

发表于 : 2023年 4月 29日 09:47
StillWandering
cboe 写了: 2023年 4月 29日 09:28 美帝的国债,美帝的大盘,

普通中产都是闭着眼买。。。
收到🫡

Re: 大家了解T Bill 吗?那个投资怎么样?

发表于 : 2023年 4月 29日 09:47
StillWandering
萧武达 写了: 2023年 4月 29日 09:43 和其他投资比,这个太靠谱了
买买买😄

Re: 大家了解T Bill 吗?那个投资怎么样?

发表于 : 2023年 4月 29日 09:53
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。
whiteriver2009 写了: 2023年 4月 29日 07:00 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

Re: 大家了解T Bill 吗?那个投资怎么样?

发表于 : 2023年 4月 29日 10:05
Dzeko
whiteriver2009 写了: 2023年 4月 29日 07:00 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

Re: 大家了解T Bill 吗?那个投资怎么样?

发表于 : 2023年 4月 29日 10:42
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

Re: 大家了解T Bill 吗?那个投资怎么样?

发表于 : 2023年 4月 29日 11:02
jiujianoufu
whiteriver2009 写了: 2023年 4月 29日 07:00 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 ?

Re: 大家了解T Bill 吗?那个投资怎么样?

发表于 : 2023年 4月 29日 11:38
temptemp
这个 etf 也不错 如果你不喜欢 mutual fund
https://www.invesco.com/us/financial-pr ... icker=BKLN

Re: 大家了解T Bill 吗?那个投资怎么样?

发表于 : 2023年 4月 29日 11:45
nk
temptemp 写了: 2023年 4月 29日 11:38 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。

Re: 大家了解T Bill 吗?那个投资怎么样?

发表于 : 2023年 4月 29日 11:46
Dzeko
whiteriver2009 写了: 2023年 4月 29日 10:42 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!

Re: 大家了解T Bill 吗?那个投资怎么样?

发表于 : 2023年 4月 29日 11:50
snowinwind
他这个是年化收益率,不是一个月的收益。
jiujianoufu 写了: 2023年 4月 29日 11:02 Are you kidding me? You have 6.68% monthly yield rate ?

Re: 大家了解T Bill 吗?那个投资怎么样?

发表于 : 2023年 4月 29日 11:53
agi
whiteriver2009 写了: 2023年 4月 29日 07:00 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

Re: 大家了解T Bill 吗?那个投资怎么样?

发表于 : 2023年 4月 29日 11:56
nk
whiteriver2009 写了: 2023年 4月 29日 07:00 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

Re: 大家了解T Bill 吗?那个投资怎么样?

发表于 : 2023年 4月 29日 12:00
nk
agi 写了: 2023年 4月 29日 11:53 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。