Search found 9938 matches

by Kevin M
Sun Oct 21, 2018 6:19 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 472
Views: 69069

Re: 2-year CDs at Vanguard and Fidelity Today

Kevin, first, thanks so much for sharing your in-depth knowledge on this forum and your blog. I've learned a ton from you and appreciate your time and efforts on our behalf. Just wonder, does TEY apply if there's no state or local income tax, but there's a state dividends and interest tax? Say that...
by Kevin M
Sun Oct 21, 2018 5:48 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 261
Views: 20974

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Doing a pull into Ally doesn't necessarily gain you anything. It could actually cause you to lose more interest, depending on the specific setup and limitations of the ACH each way. For example, if I start scheduling a transfer at Ally from the external bank I will use to make my qualifying deposit,...
by Kevin M
Sat Oct 20, 2018 7:18 pm
Forum: Investing - Theory, News & General
Topic: Total Bond Market Fund - interest rates rising!
Replies: 88
Views: 8125

Re: Total Bond Market Fund - interest rates rising!

Rates have been purported to rise for the last 7 years. Now that it has finally happened, after 5 years of it not happening, it becomes news. And still not a major calamity; returns are still positive but just not as high as we’d like. It’s easy to forget that bonds earned interest at a higher rate...
by Kevin M
Sat Oct 20, 2018 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 261
Views: 20974

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

But this is not my situation. It's more like I had about $20K in eligible accounts on 10/8/2018, and will have withdrawn about $5K by 11/5/2018. It's clear I must add $105K by 11/5/2018 to get the full bonus, since I must replace the $5K I withdrew during the funding period before anything counts a...
by Kevin M
Sat Oct 20, 2018 3:06 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 261
Views: 20974

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Does anyone know if the money needs to be transferred in one lump sum, or if it can be done in multiple transactions? I've read conflicting reports. I had $25K tied up going to Discover Bank for their $200 bonus, so I deposited $5K to start the process with Ally. I transferred the $25K from Discove...
by Kevin M
Fri Oct 19, 2018 6:40 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 261
Views: 20974

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

I thought it would be useful to quantify the impact on the rate of return of not getting the full bonus, and/or of having to deposit more than $100K to make up for withdrawals from eligible accounts during the funding period, and to a lesser extent of lost interest during the ACH transfer time. All ...
by Kevin M
Fri Oct 19, 2018 6:10 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 261
Views: 20974

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Regarding the second issue, to be on the safe side, I'll deposit the new money into an eligible checking account, then fund the no-penalty CD from that checking account the same day (I will open the CD a few days before this, to allow for any delays, which I've never experienced before in opening n...
by Kevin M
Fri Oct 19, 2018 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 261
Views: 20974

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Your bonus would be $800. <snip -- removing some more back and forth> All of the funds must remain in your eligible Ally accounts to qualify for this promotion. This makes no sense whatsoever. People get direct deposits and pay bills out of their Ally checking account. If the net of those transacti...
by Kevin M
Fri Oct 19, 2018 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 261
Views: 20974

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

I followed up with an online chat to get further clarification on what I thought I already understood about two issues. The chat verified my understanding, but as usual, I had to ask the questions multiple ways to get clear answers, even though I thought my questions were stated quite clearly. The f...
by Kevin M
Thu Oct 18, 2018 5:46 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 261
Views: 20974

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

OK, so I could drop $100K into a $2.1% CD and keep it there until 1/15/2019 and get a $1K bonus... is that the deal? I can harvest some IT Tax-Ex loss and do this maybe twice easily. 1% ($1000.00 bonus for 2 1/2 months of 2.1% interest and no penalty... woohoo. Question is can I do this more than o...
by Kevin M
Thu Oct 18, 2018 5:39 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 261
Views: 20974

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Here is my understanding of the answers I got to my questions via online chat. <snip> Accounts with designated beneficiaries, either POD or ITF, are eligible accounts (even though they also are referred to as Totten trust accounts). Kevin, thanks for posting the details. Do you know if the promotio...
by Kevin M
Thu Oct 18, 2018 3:27 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 261
Views: 20974

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Here is my understanding of the answers I got to my questions via online chat. Accounts with designated beneficiaries, either POD or ITF, are eligible accounts (even though they also are referred to as Totten trust accounts). Any withdrawals from eligible accounts during the funding period will decr...
by Kevin M
Thu Oct 18, 2018 2:44 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 261
Views: 20974

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Assume you put $100K into an 11-month no-penalty CD at 2.1% APY on 11/1/2018, and remove it on 1/15/2019 . Kevin Kevin, are you actually planning on closing the CD right after the cutoff (and transferring the $ back to your B&M bank)? I am "a little" concerned that if the CD account no longer exist...
by Kevin M
Thu Oct 18, 2018 2:25 pm
Forum: Investing - Help with Personal Investments
Topic: "Breaking" a CD: On a Specific Date ??
Replies: 12
Views: 772

Re: "Breaking" a CD: On a Specific Date ??

I guess that different institutions have varied penalties for breaking CDs of similar maturities? Do some institutions claw back principal as well as interest if a CD is "broken"? Yes. If the penalty is 6 months of interest and you break the CD after 3 months, they will take 3 months of interest ou...
by Kevin M
Wed Oct 17, 2018 9:02 pm
Forum: Investing - Help with Personal Investments
Topic: "Breaking" a CD: On a Specific Date ??
Replies: 12
Views: 772

Re: "Breaking" a CD: On a Specific Date ??

You don't lose the accrued interest at Ally Bank. In one account I see the CD with a value of $100K and accrued interest of $1,613.37. Ally shows the amount received after the EWP as $101,287.84.

Kevin
by Kevin M
Wed Oct 17, 2018 8:53 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 261
Views: 20974

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Can you deposit funds into one Ally account from outside now, and move the same funds directly to another qualifying Ally account during the promotion, and still qualify for the maximum bonus? Yes. Here is the answer from Ally to that question posted in Ken's blog post: After adding new funds to Al...
by Kevin M
Wed Oct 17, 2018 8:04 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 261
Views: 20974

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

I think that this is such a good deal that my wife and I will do it for the max each of $100K, even with the uncertainties involved. The upside if it works out is so much larger than the downside, even if Ally didn't pay any bonus. Here's how I figure. Assume you put $100K into an 11-month no-penalt...
by Kevin M
Wed Oct 17, 2018 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 261
Views: 20974

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Ken Tumin's blog contains an update to his original post about Ally's offer. It answers many of the questions posed here. The update is good, but there still are some things I'm not clear about. The most obvious is this answer from Ally that Ken posted: Withdrawals during the retention period do no...
by Kevin M
Wed Oct 17, 2018 6:39 pm
Forum: Personal Finance (Not Investing)
Topic: FDIC insurance limit increase with multiple PoD accounts (CDs+savings)
Replies: 32
Views: 4692

Re: FDIC insurance limit increase with multiple PoD accounts (CDs+savings)

But if I understand correctly, the partitioning doesn't matter (I could scramble the beneficiaries any way I want, in any combination), and the individual CD amounts don't matter. All that matters is that 4 beneficiaries x $250k =$1,000,000 coverage. As long as the sum of all accounts is <$1M I'd b...
by Kevin M
Tue Oct 16, 2018 7:42 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 261
Views: 20974

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

Here is a message I sent to Ally via secure email today. I'm not particularly optimistic that I'll get clear answers to all questions, but I'm taking a shot. I'm thinking the answers via secure email might be more authoritative than answers via online chat or phone. I have a few questions about the ...
by Kevin M
Tue Oct 16, 2018 5:28 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 472
Views: 69069

Re: 2-year CDs at Vanguard and Fidelity Today

Just looking at the Vanguard quick search the spread is bigger at 3 year, 3.15% vs 2.95%, so 20 bp. By interpolation, I guess I got about a 30 bp yield premium over comparable treasury, 3.221% for 2yr/8mo. But nearly all of the other secondaries I saw looked like worse buys than the new issues. Yes...
by Kevin M
Tue Oct 16, 2018 3:35 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 261
Views: 20974

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

OP here. Has anyone tried to fund the new account during the opening process (via ACH) with the funds from the account owned by a spouse (your name is not on the funding source)? Interesting you ask. Not a new account, but my mom used her login (Ally calls it a profile) to do an ACH transfer into h...
by Kevin M
Tue Oct 16, 2018 3:21 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 472
Views: 69069

Re: 2-year CDs at Vanguard and Fidelity Today

The non-callable new-issue 2-year CDs at 3.00% settle on 10/26/2018 and mature 10/26/2020. I saw yield of 2.879% for a Treasury maturing 10/31/2020 at Schwab for min quantity 10 (yields are lower at Vanguard and Fidelity for this quantity). So even in an IRA, or where there is no state tax in a taxa...
by Kevin M
Tue Oct 16, 2018 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Banking 1% extra back up to $1,000 on new money deposited
Replies: 261
Views: 20974

Re: Ally Banking 1% extra back up to $1,000 on new money deposited

I'm worried about the withdrawals clause: "Withdrawals made during the Retention Period may reduce the Cash Bonus amount. Cash Bonus payout will occur within 30 calendar days following fulfillment of these requirements." Does this mean that any withdrawals made prior to 1/15 will reduce the cash bo...
by Kevin M
Mon Oct 15, 2018 7:34 pm
Forum: Investing - Theory, News & General
Topic: Huge drops in VTXVX and VTHRX [Vanguard Target Date Funds]
Replies: 51
Views: 4155

Re: Huge drops in VTXVX and VTHRX

I am also seeing a tremendous drop in my target date fund (Vangaurd 2020). I'm assuming that there is a glitch somewhere. Copy your stock symbol,and do a quick google search,you'll feel better. Vanguard rep. said everything should be fixed by tomorrow. You can't check the balanced fund prices until...
by Kevin M
Mon Oct 15, 2018 7:19 pm
Forum: Investing - Help with Personal Investments
Topic: 6 month Treasury Note: "Bond" or "Cash"?
Replies: 47
Views: 3569

Re: 6 month Treasury Note: "Bond" or "Cash"?

CDs are, in fact, cash. They are bank deposits (it's right there in the name) and all bank deposits are cash. This isn't even controversial anywhere but on this forum. A CD is a deposit account (could be a bank or credit union), but all bank/CU deposits are not cash. Citing a credible reference wou...
by Kevin M
Mon Oct 15, 2018 6:50 pm
Forum: Personal Finance (Not Investing)
Topic: Which is better CD - rates and terms?
Replies: 65
Views: 5452

Re: Which is better CD - rates and terms?

This is a follow-up and thank you to KevinM. I purchased the Treasury bills @ Schwab this morning. As you said it was easy, no commissions, and the broker assist fee of $25 was waived. It is 6 month Treasury Bill @ 2.45% yield and tax equivalent yield of 2.60% I had printed out your explanation of ...
by Kevin M
Sun Oct 14, 2018 8:08 pm
Forum: Investing - Help with Personal Investments
Topic: 6 month Treasury Note: "Bond" or "Cash"?
Replies: 47
Views: 3569

Re: 6 month Treasury Note: "Bond" or "Cash"?

"Cash" is just a convenient term I use to classify these assets. You and others are free to use the term to mean something else. If labelling non-cash instruments as "cash" helps you sleep better at night then the last thing I want to do is encourage you to change your behavior. Others, on the othe...
by Kevin M
Sun Oct 14, 2018 2:31 pm
Forum: Investing - Help with Personal Investments
Topic: 6 month Treasury Note: "Bond" or "Cash"?
Replies: 47
Views: 3569

Re: 6 month Treasury Note: "Bond" or "Cash"?

I don't consider a time deposit account as cash, unless there is no early withdrawal penalty (as in the Ally no-penalty CD, which I do consider cash after the 6-day lock period). I doubt you're alone in this: it's a common misunderstanding. It's no misunderstanding to understand what assets are ava...
by Kevin M
Sun Oct 14, 2018 1:23 pm
Forum: Investing - Help with Personal Investments
Topic: 6 month Treasury Note: "Bond" or "Cash"?
Replies: 47
Views: 3569

Re: 6 month Treasury Note: "Bond" or "Cash"?

No way is a 5-year CD cash. The FDIC doesn't agree with you on this point, thankfully. Even if that were true, I wouldn't care what they call it. What I care about is that they insure it: FDIC insurance covers all types of deposits received at an insured bank, including deposits in a checking accou...
by Kevin M
Sun Oct 14, 2018 1:15 pm
Forum: Investing - Theory, News & General
Topic: Short Term Bond yield over 3%
Replies: 74
Views: 10259

Re: Short Term Bond yield over 3%

Correlation with equities is related to credit risk, which tends to show up in a financial crisis when stocks tank, as happened in late 2008. Usually but not always. TIPs vs Nominals in late 2008: https://i.postimg.cc/bwYtFWRg/TIPS-vs-Nominals-Capture.gif Good point! Perhaps we also should include ...
by Kevin M
Sun Oct 14, 2018 1:07 pm
Forum: Investing - Help with Personal Investments
Topic: 6 month Treasury Note: "Bond" or "Cash"?
Replies: 47
Views: 3569

Re: 6 month Treasury Note: "Bond" or "Cash"?

I recall looking, and don't recall being able to find "cash" defined in my investment textbooks, which of course cover portfolio theory. Of course there are discussions about the riskless asset (typically a 1-month T-bill), and the division of financial markets into capital markets and money market...
by Kevin M
Sun Oct 14, 2018 11:52 am
Forum: Investing - Theory, News & General
Topic: Short Term Bond yield over 3%
Replies: 74
Views: 10259

Re: Short Term Bond yield over 3%

Kevin, thank you for the explanation. I am sill puzzled by the emphasis of some posters solely on the SEC yield in choosing a short term bond fund when for intermediate term funds one would also consider other factors such as the duration, credit worthiness, correlation with equities, performance h...
by Kevin M
Sun Oct 14, 2018 11:37 am
Forum: Investing - Help with Personal Investments
Topic: 6 month Treasury Note: "Bond" or "Cash"?
Replies: 47
Views: 3569

Re: 6 month Treasury Note: "Bond" or "Cash"?

Cash should be about max liquidity and least risk. Cash has no duration. That may be your definition, but is not the standard accounting or accepted portfolio definitions. There is no requirement that the "cash" portion of a portfolio have immediate liquidity, but it should be principal protected. ...
by Kevin M
Sat Oct 13, 2018 10:28 pm
Forum: Personal Finance (Not Investing)
Topic: Which is better CD - rates and terms?
Replies: 65
Views: 5452

Re: Which is better CD - rates and terms?

1) Why (or in which ways) does 6 month Treasury have much better liquidity than say 7 month NWFCU CD? If you want/need to liquidate before maturity, you pay an early withdrawal penalty (EWP) on a direct CD. For longer-term CDs, like five years, the early withdrawal option can be a benefit, in that ...
by Kevin M
Fri Oct 12, 2018 7:54 pm
Forum: Investing - Help with Personal Investments
Topic: 6 month Treasury Note: "Bond" or "Cash"?
Replies: 47
Views: 3569

Re: 6 month Treasury Note: "Bond" or "Cash"?

6 months is usually a treasury bill, not note. If you buy at auction, yes. You can buy 6- month bills, notes or bonds on the secondary market. But this is really an arbitrary definition, as is cash versus bond. 6 months is a short-duration bond, whereas technically cash is a zero-duration bond. Exa...
by Kevin M
Fri Oct 12, 2018 7:51 pm
Forum: Investing - Help with Personal Investments
Topic: 6 month Treasury Note: "Bond" or "Cash"?
Replies: 47
Views: 3569

Re: 6 month Treasury Note: "Bond" or "Cash"?

You can define it however you want, based on the replies you're getting. For me, cash has no term risk and little-to-no credit risk. In other words, I can access it today (or at least in 2-3 business days--the time it takes to do an ACH transfer) with close to absolute certainty that I will not have...
by Kevin M
Fri Oct 12, 2018 7:35 pm
Forum: Investing - Help with Personal Investments
Topic: Any funds that has same or better yields than online savings account?
Replies: 4
Views: 608

Re: Any funds that has same or better yields than online savings account?

You can get even better on a savings account. EBSB is at 2.5% now. Thanks for sharing that. I've been earning 2.5% APY for awhile now at a local bank--great to know that now everyone can earn that yield on an FDIC-insured savings account if they want to (with a minimum of $5K). There are some repor...
by Kevin M
Fri Oct 12, 2018 6:37 pm
Forum: Investing - Theory, News & General
Topic: Short Term Bond yield over 3%
Replies: 74
Views: 10259

Re: Short Term Bond yield over 3%

Which makes me wonder. If you wanted to pay next years bills would you put you money in Money Market, or short term bond fund. I tried this experiment, YTD MM is ahead of short term bond fund. Next year might be different. I personally wouldn't use a fund to pay next year's bills if I wanted certai...
by Kevin M
Fri Oct 12, 2018 6:18 pm
Forum: Investing - Theory, News & General
Topic: Short Term Bond yield over 3%
Replies: 74
Views: 10259

Re: Short Term Bond yield over 3%

I am confused. When we compare intermediate bond funds, we look at their total return and not just at their yield. Are short term bond funds any different? One can only know total return for a past holding period. Yield is all we have to estimate expected (future) return. The capital return compone...
by Kevin M
Fri Oct 12, 2018 6:13 pm
Forum: Investing - Theory, News & General
Topic: Short Term Bond yield over 3%
Replies: 74
Views: 10259

Re: Short Term Bond yield over 3%

Are short term bonds really paying 3% ? I assume that is for individual bonds, not a bond fund edit: Come back in a year and let us know how much your short term bond earned. thanks They are paying roughly 3% "coupons" / dividends on new investments. People who already own them are getting the rate...
by Kevin M
Fri Oct 12, 2018 5:50 pm
Forum: Investing - Theory, News & General
Topic: Short Term Bond yield over 3%
Replies: 74
Views: 10259

Re: Short Term Bond yield over 3%

I don't really want anything less than 6-month or more than 2-year maturity, so the index fund comes closer to what I want. I'm putting much more into individual Treasuries than I have in the fund. OK, so you know more than the management team at Vanguard Short Term Treasury fund and go with the lo...
by Kevin M
Fri Oct 12, 2018 3:09 pm
Forum: Investing - Theory, News & General
Topic: Short Term Bond yield over 3%
Replies: 74
Views: 10259

Re: Short Term Bond yield over 3%

Short-Term Treasury Index Admiral with SEC yield of 2.75% is TEY for me of 3.09%. Duration is 1.9 years. I own some of this fund in taxable, but it's only a small portion of my fixed income. Why do you prefer ST Treasury to ST Treasury Index? Typo. Fixed. I prefer the index fund since duration is s...
by Kevin M
Fri Oct 12, 2018 2:38 pm
Forum: Investing - Theory, News & General
Topic: Treasury Bonds are the Only Bonds You Need
Replies: 195
Views: 21485

Re: Treasury Bonds are the Only Bonds You Need

I think this thread shows us how complicated the bond market can be. Because many investors (including me) don't fully understand how the band market works, it is an inefficient market, and leads to incorrect pricing. Also, I believe even the rating agencies are subject to misreading risk. So, I av...
by Kevin M
Fri Oct 12, 2018 2:36 pm
Forum: Investing - Theory, News & General
Topic: 2-year CDs at Vanguard and Fidelity Today
Replies: 472
Views: 69069

Re: 2-year CDs at Vanguard and Fidelity Today

So Wells Fargo apparently likes being the leader and went with the new 2 year CD issue at 3.0% with First Settlement date of 10/26/2018. Fidelity website is showing JP Morgan & BMW Bank matching Wells Fargo's 3.0% 2 yr CD rate The JPM 2-year at 3% is callable, and I don't see one from BMW Bank now....
by Kevin M
Fri Oct 12, 2018 2:25 pm
Forum: Investing - Theory, News & General
Topic: Short Term Bond yield over 3%
Replies: 74
Views: 10259

Re: Short Term Bond yield over 3%

Pls remind me again, are Treasury bond funds are only state tax exempt correct, not federal tax exempt? Correct. Can you provide a quick calculations for hypothetical TEY for Treasury Admiral using personal 5% state income tax rate and 25% federal tax rate VS current yield on CD? Thanks. There is n...
by Kevin M
Fri Oct 12, 2018 2:00 pm
Forum: Investing - Theory, News & General
Topic: Short Term Bond yield over 3%
Replies: 74
Views: 10259

Re: Short Term Bond yield over 3%

Short-Term Treasury Index Admiral with SEC yield of 2.75% is TEY for me of 3.09%. Duration is 1.9 years. I own some of this fund in taxable, but it's only a small portion of my fixed income. Why do you prefer ST Treasury to ST Treasury Index? Typo. Fixed. I prefer the index fund since duration is s...
by Kevin M
Thu Oct 11, 2018 6:01 pm
Forum: Investing - Theory, News & General
Topic: Short Term Bond yield over 3%
Replies: 74
Views: 10259

Re: Short Term Bond yield over 3%

Which is why I'll be putting most of the proceeds from my recently matured NWFCU CD into VFSUX instead of another CD. Yield on 2-year new-issue CD now is 3.00%. Taxable-equivalent yield (TEY) on 2-year Treasury could be even higher, depending on your state income tax rate (it is higher for me). Dur...
by Kevin M
Thu Oct 11, 2018 5:37 pm
Forum: Personal Finance (Not Investing)
Topic: Which is better CD - rates and terms?
Replies: 65
Views: 5452

Re: Which is better CD - rates and terms?

<snip> ... for all but very high stock allocations a large portion of fixed income is not realistically subject to being sold to buy stocks and there will almost always be some which is not. And for that portion, for a given maturity, the fact that treasuries show a price increase and CD's do not i...
by Kevin M
Thu Oct 11, 2018 1:59 pm
Forum: Personal Finance (Not Investing)
Topic: Which is better CD - rates and terms?
Replies: 65
Views: 5452

Re: Which is better CD - rates and terms?

Kevin, thanks for the feedback. I have trouble getting my mind around these "which FI security is best" threads because the discussion is almost always about yield and the risk associated with the FI alone whether it be term or credit risk. I look at my high quality FI in terms of how it reacts wit...