Search found 8606 matches

by Kevin M
Wed Jul 26, 2017 11:12 am
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 141
Views: 13764

Re: Vanguard upgraded my accounts - angry [Brokerage Services]

I don't know what "upgrade" means. We "upgraded" our mutual fund accounts to brokerage accounts in 2014. At that time we had to upgrade all three of our accounts and also first add a brokerage account to pair with the one account that didn't have an associated brokerage account ...
by Kevin M
Tue Jul 25, 2017 10:30 am
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 141
Views: 13764

Re: Vanguard upgraded my accounts - angry [Brokerage Services]

@Kevin Before trying to wade through all of Kevin's comments we need to agree on some definition of terms. "' Upgraded " brokerage account: To me "upgraded" means that you now hold your Vangaurd mutual funds in a brokerage account. Any assets in the "paired" mutual fun...
by Kevin M
Tue Jul 25, 2017 10:06 am
Forum: Investing - Help with Personal Investments
Topic: Stable value fund vs Vanguard Total Bond Market Index
Replies: 25
Views: 2553

Re: Stable value fund vs Vanguard Total Bond Market Index

The problem is not that Savings Bonds are non-marketable, but that they can only be held by individuals. I just checked, 4.7% is in I bonds. So, apparently they can hold I bonds, the how is beyond my ken. This is interesting. An entity, such as a corporation or LLC, can buy I Bonds by opening an en...
by Kevin M
Tue Jul 25, 2017 9:27 am
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 141
Views: 13764

Re: Vanguard upgraded my accounts - angry [Brokerage Services]

They just add a new federal money market fund to the brokerage account, and leave the money market fund that was the "sweep account" in the mutual fund account. There is no longer any linkage between the brokerage and mutual fund accounts, so, for example, you can't buy mutual fund shares...
by Kevin M
Tue Jul 25, 2017 9:07 am
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 141
Views: 13764

Re: Vanguard upgraded my accounts - angry [Brokerage Services]

@kevin Let me try to get my head around this. We "upgraded" to the new platform in November 2014. In order to do this all three (his,hers,ours) of our mutual fund accounts had to have an associated brokerage account connected with it. (And all of the accounts had to be done at the same ti...
by Kevin M
Mon Jul 24, 2017 10:23 am
Forum: Investing - Theory, News & General
Topic: VCIT Year to Date growth? Exactly how is it calculated
Replies: 12
Views: 434

Re: VCIT Year to Date growth? Exactly how is it calculated

Time to sell some VCIT for living expenses... now that it is back up YTD... still don't understand why it is up if the Feds are raising rates.. Intermediate-term yields aren't closely related to the federal funds rate (FFR), which is a short-term rate--especially over periods of a couple of years o...
by Kevin M
Mon Jul 24, 2017 10:15 am
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 141
Views: 13764

Re: Vanguard upgraded my accounts - angry [Brokerage Services]

I'm confused. Are there two types of brokerage accounts? An old one and a new one. Or is the non-upgraded account only a mutual fund account with or without an associated brokerage account? Or is there a non-upgraded brokerage account one with the sweep account in a mutual fund account not in the b...
by Kevin M
Mon Jul 24, 2017 9:55 am
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What Drives Municipal Bond Yields
Replies: 42
Views: 3075

Re: Larry Swedroe: What Drives Municipal Bond Yields

I will look into the cd's. You gave me a good idea of what I need. I will maybe buy a few at differnet years. Just try to keep above inflation. Lucky now it really low. Do you ladder cd and is this something for the long term. Or can you just ladder cd's up to 5 yrs and then end. If I am correct I ...
by Kevin M
Sun Jul 23, 2017 5:26 pm
Forum: Investing - Help with Personal Investments
Topic: What to do with money for house down payment?
Replies: 4
Views: 540

Re: What to do with money for house down payment?

⋅ Build a CD ladder. Pros: very safe, no risk of loss other than early withdrawal penalties. Cons: very low returns that probably won't even keep up with inflation. <snip> I think you can currently get a 5-year CD at 2.3% with an early withdrawal penalty of six months of interest. So if y...
by Kevin M
Sun Jul 23, 2017 5:11 pm
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 141
Views: 13764

Re: Vanguard upgraded my accounts - angry [Brokerage Services]

I agree with stlutz that they can't upgrade without your permission. <snip> There are plenty of carrots for those who have non-upgraded brokerage accounts (assuming any still remain). I think they have upgraded brokerage accounts without any owner involvement. At first I was thinking, "how wou...
by Kevin M
Sun Jul 23, 2017 4:56 pm
Forum: Investing - Help with Personal Investments
Topic: Stable value fund vs Vanguard Total Bond Market Index
Replies: 25
Views: 2553

Re: Stable value fund vs Vanguard Total Bond Market Index

Thanks for all the replies. For the first year with the guaranteed 3.25% teaser rate, I have decided to shift all my fixed income holdings in my 457(b) to the stable value fund. I will re-evaluate after the first year if it remains attractive vs VBTLX. I am fortunate that my agency is finally trans...
by Kevin M
Sun Jul 23, 2017 3:09 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What Drives Municipal Bond Yields
Replies: 42
Views: 3075

Re: Larry Swedroe: What Drives Municipal Bond Yields

Do investors like us use cd for short term less that 5 years. Sure. I have about 75% of my fixed income in direct CDs, and I have about 70% of my portfolio in fixed income. I'm way on the conservative side as forum members go, but I figured out some years ago that I don't need to take much if any s...
by Kevin M
Sun Jul 23, 2017 3:01 pm
Forum: Investing - Help with Personal Investments
Topic: 4-6% a year
Replies: 26
Views: 4725

Re: 4-6% a year

I don't think it's the effective way to look at things, but if you want to just focus on income, Vanguard high-yield corporate fund admiral shares has an SEC yield of 4.75% and a recent distribution yield of 5.46%. Of course there will be significant price volatility to earn this yield, and you prob...
by Kevin M
Sun Jul 23, 2017 2:45 pm
Forum: Investing - Theory, News & General
Topic: Vanguard upgraded my accounts - angry [Brokerage Services]
Replies: 141
Views: 13764

Re: Vanguard upgraded my accounts - angry [Brokerage Services]

But IIRC they don't give you an option of not converting. Not only do they give you the option of not converting, but some accounts cannot be converted online, so they actually have a barrier to "upgrading" some accounts easily. If I click the upgrade button on my trust account or inherit...
by Kevin M
Sun Jul 23, 2017 2:26 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What Drives Municipal Bond Yields
Replies: 42
Views: 3075

Re: Larry Swedroe: What Drives Municipal Bond Yields

But I would have to look at the intermediate bonds and do the division. SEC yield on Vanguard intermediate-term tax-exempt investor shares (VWITX), is 1.77%, so that's a TEY of 2.36% (= 1.77% / 0.75); average duration is 5.2 years, and average stated maturity is 8.4 years. Max drawdown for VWITX wa...
by Kevin M
Sun Jul 23, 2017 2:18 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What Drives Municipal Bond Yields
Replies: 42
Views: 3075

Re: Larry Swedroe: What Drives Municipal Bond Yields

So, I am in the 25% tax bracket. A 5 yr cd paying 2.3% would be better even after taxes?? Just from a taxable equivalent yield perspective, yes. However, a 5-year brokered CD has more term risk, especially during the first couple of years. Also, the worst part is that I could cash in the cd and jus...
by Kevin M
Sun Jul 23, 2017 12:51 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What Drives Municipal Bond Yields
Replies: 42
Views: 3075

Re: Larry Swedroe: What Drives Municipal Bond Yields

Could you use the Vanguard limited term tax exempt bond fund. Holds bonds for average 2 yrs. If someone was looking to try to just stay up with this low inflation. Meaning better than savings bank or lock in 5 yr cd. Money that you don't want to invest but would like to make a little better than sa...
by Kevin M
Sun Jul 23, 2017 12:19 pm
Forum: Investing - Theory, News & General
Topic: VCIT Year to Date growth? Exactly how is it calculated
Replies: 12
Views: 434

Re: VCIT Year to Date growth? Exactly how is it calculated

You may gain additional insight into this by viewing the Vanguard web page for historical returns: Vanguard - Intermediate-Term Corporate Bond ETF - Historical Returns . Looking at the Annual investment returns table, you'll see capital return by NAV and income return by NAV, along with the sum whic...
by Kevin M
Sun Jul 23, 2017 11:57 am
Forum: Investing - Theory, News & General
Topic: VCIT Year to Date growth? Exactly how is it calculated
Replies: 12
Views: 434

Re: VCIT Year to Date growth? Exactly how is it calculated

What exactly is the definition of the Yahoo daily adjusted price table you linked to? You can read the definition here: What is the adjusted close? | Yahoo Help - SLN28256 . If you look at the YTD historical data, you'll see the close = adjusted close for dates after the most recent dividend on 7/3...
by Kevin M
Sun Jul 23, 2017 11:19 am
Forum: Investing - Theory, News & General
Topic: Vanguard backdoor ROTH - Exchange vs Convert to Roth options
Replies: 18
Views: 2051

Re: Vanguard backdoor ROTH - Exchange vs Convert to Roth options

<snip> My 5.5K fund is available when I click 'Convert to Roth IRA' to Money Market Fund in my tIRA when I click 'Conver to Roth IRA' menu. But at the same time, 'Exchange' menu still says the 5.5K fund is NOT available for Roth IRA exchange. This is because you cannot exchange from the settlement ...
by Kevin M
Sun Jul 23, 2017 10:42 am
Forum: Investing - Theory, News & General
Topic: VCIT Year to Date growth? Exactly how is it calculated
Replies: 12
Views: 434

Re: VCIT Year to Date growth? Exactly how is it calculated

Price return is as of 6/30. How does your calculation using the 6/30 price come out? No, that still doesn't work out. I think M* is using adjusted price, which accounts for dividend distributions. Kevin Yep, that's it. You can get adjusted price from Yahoo ( VCIT 88.21 0.19 0.22% : Vanguard Interme...
by Kevin M
Sun Jul 23, 2017 10:35 am
Forum: Investing - Theory, News & General
Topic: VCIT Year to Date growth? Exactly how is it calculated
Replies: 12
Views: 434

Re: VCIT Year to Date growth? Exactly how is it calculated

Kevin M wrote:Price return is as of 6/30. How does your calculation using the 6/30 price come out?

No, that still doesn't work out.

I think M* is using adjusted price, which accounts for dividend distributions.

Kevin
by Kevin M
Sun Jul 23, 2017 10:33 am
Forum: Investing - Theory, News & General
Topic: VCIT Year to Date growth? Exactly how is it calculated
Replies: 12
Views: 434

Re: VCIT Year to Date growth? Exactly how is it calculated

Price return is as of 6/30. How does your calculation using the 6/30 price come out?
by Kevin M
Sat Jul 22, 2017 6:39 pm
Forum: Investing - Theory, News & General
Topic: Larry Swedroe: What Drives Municipal Bond Yields
Replies: 42
Views: 3075

Re: Larry Swedroe: What Drives Municipal Bond Yields

The highest yield I see on an AAA 10-year muni at Vanguard is 1.85%. Assuming muni bonds are priced to be competitive at a 25% marginal tax rate, that's a taxable-equivalent yield of 2.47% (1.85% / 0.75). Yield on the 10-year Treasury is 2.24%, so that's a taxable-equivalent yield (TEY) premium of 2...
by Kevin M
Sat Jul 22, 2017 6:12 pm
Forum: Investing - Theory, News & General
Topic: Scraping and archiving Vanguard funds characteristics
Replies: 8
Views: 820

Re: Scraping and archiving Vanguard funds characteristics

I'm sure you already know this siamond, but for others who are interested in historical fund information, you can get historical SEC Yields on VG bond funds by doing a price history search. Actually, I wasn't aware that we could get historical yield information in such a way. Cool. I wrote a Google...
by Kevin M
Wed Jul 19, 2017 6:55 pm
Forum: Personal Finance (Not Investing)
Topic: Ally Bank 1.25% 11 month with no EWP
Replies: 111
Views: 14275

Re: Ally Bank 1.25% 11 month with no EWP

Does anyone here who banks with Ally have first hand knowledge setting up a CD in the name of a living trust? Their page here (https://www.ally.com/learn/trust-account/) covers their procedure, but it would be nice to know if anyone has recently gone through this, and if it was straight forward? I ...
by Kevin M
Sun Jul 16, 2017 12:30 pm
Forum: Investing - Theory, News & General
Topic: Is the Total US Stock Market too concentrated?
Replies: 51
Views: 3746

Re: Is the Total US Stock Market too concentrated?

Yes, but I prefer to overweight the US stocks for many reasons brought forth by Jack Bogle. I just wanted to know if the diminishing number of stocks in the US is of any concern. No, the number of stocks in the total US stock market is way more than enough to diversify away company specific risk. A...
by Kevin M
Thu Jul 13, 2017 12:13 pm
Forum: Investing - Theory, News & General
Topic: Cash vs bond
Replies: 9
Views: 990

Re: Cash vs bond

Yield on Vanguard total bond index fund is 2.3%, and that comes with term risk (interest-rate risk) and some credit risk. So obviously "cash" at 4%, with no term risk and no credit risk would be a great deal. Most likely this is a stable value fund of some sort. There is some credit risk w...
by Kevin M
Thu Jul 13, 2017 10:59 am
Forum: Personal Finance (Not Investing)
Topic: portfolio growth - compounding vs savings
Replies: 15
Views: 1569

Re: portfolio growth - compounding vs savings

You can control savings rate; you can't control growth. Also, whatever has happened over the last n years isn't indicative of what will happen over the next n years. Your savings rate is great, and the most important thing for you is to keep that up. You could guesstimate a nominal growth rate--say ...
by Kevin M
Wed Jul 12, 2017 10:17 am
Forum: Investing - Theory, News & General
Topic: "Bond wipeout has just begun"???
Replies: 84
Views: 11463

Re: "Bond wipeout has just begun"???

In support of the last few posts (aside from the one about inflation and real returns), see this post: Initial SEC yield and subsequent 5yr and 10yr returns - Bogleheads.org from 2015. Although I verified the oft-quoted point that there is high correlation between initial yield and subsequent 10-yea...
by Kevin M
Tue Jul 11, 2017 10:11 am
Forum: Investing - Help with Personal Investments
Topic: Approximating the Total Stock Market Index
Replies: 5
Views: 433

Re: Approximating the Total Stock Market Index

Would the percentages outlined the wiki change since the Small and Mid-Cap funds available are limited to "growth" index funds? I didn't notice the small cap fund was growth--I just went by your description rather than looking up the ticker. I don't think this should affect the percentage...
by Kevin M
Mon Jul 10, 2017 10:16 am
Forum: Investing - Help with Personal Investments
Topic: Approximating the Total Stock Market Index
Replies: 5
Views: 433

Re: Approximating the Total Stock Market Index

I would go with VFIAX and VSGAX in an 85/15 or 80/20 ratio. You could add in a smidge of VMGMX, but this will tilt you slightly toward growth (away from value), and the amount you'd use would be too tiny to be worthwhile. See this Wiki article: Approximating total stock market - Bogleheads . I would...
by Kevin M
Mon Jul 10, 2017 9:03 am
Forum: Personal Finance (Not Investing)
Topic: Capital Gains when selling a rental
Replies: 4
Views: 400

Re: Capital Gains when selling a rental

I believe a careful reading of IRS Publication 523 (2016), Selling Your Home will answer your questions. Roughly speaking, I believe that if you lived in your home for 2 out of 5 years of ownership, you will be able to exclude 2/5 of the gain, but you also will not be able to exclude the gain due to...
by Kevin M
Mon Jul 10, 2017 8:46 am
Forum: Investing - Theory, News & General
Topic: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)
Replies: 131
Views: 15112

Re: Vanguard Prime Money Market Fund (VMMXX) breaks 1.00 (% not $)

<snip>What happened there and why? Seems remarkable to me. I think this has been explained already. Money market rates are closely tied to the federal funds rate (FFR), as are the rates of other very short-term, marketable fixed-income (such as short-term Treasuries). When the Fed lowered the FFR c...
by Kevin M
Sun Jul 09, 2017 4:08 pm
Forum: Investing - Help with Personal Investments
Topic: Expected rate of return
Replies: 11
Views: 801

Re: Expected rate of return

You might find this informative: Vanguard 2017 economic and market outlook: Stabilization, not stagnation . Just jump to page 20 for the stock and bond 10-year outlooks. Note the wide probability distributions. The central tendency for stocks is 5-8% nominal, so your number is at the low end of that...
by Kevin M
Sun Jul 09, 2017 2:59 pm
Forum: Investing - Theory, News & General
Topic: "Bond wipeout has just begun"???
Replies: 84
Views: 11463

Re: "Bond wipeout has just begun"???

Of course, this doesn't guarantee that a bond fund will recover quickly, which brings me to y-our second point - look at how Vanguard's total bond fund performs over time in terms of both NAV/price and rate. The rate of BND tends to adjust rather quickly to a changing rate environment, and the NAV ...
by Kevin M
Sun Jul 09, 2017 1:48 pm
Forum: Investing - Help with Personal Investments
Topic: Paying off 0% auto loan over time with bond fund and duration?
Replies: 11
Views: 725

Re: Paying off 0% auto loan over time with bond fund and duration?

An assumption posited by forum member grabiner is that tax-exempt bonds are priced to be competitive with taxable bonds in the 25% federal tax bracket. I think this is a reasonable assumption, and it leads to the conclusion that taxable and tax-exempt bonds are a wash on a risk-adjusted basis in the...
by Kevin M
Sun Jul 09, 2017 12:36 pm
Forum: Investing - Help with Personal Investments
Topic: How best to invest 10 years of expenses in Fixed Income
Replies: 27
Views: 2369

Re: How best to invest 10 years of expenses in Fixed Income

Suggestions for the best way to invest this money in a rising interest rate environment? Is it that you want to hedge against the possibility of a rising rate environment, or that you just assume that we're in one? Many people have been assuming rates would rise for the last 5-9 years, but if anyth...
by Kevin M
Sun Jul 09, 2017 11:41 am
Forum: Investing - Help with Personal Investments
Topic: How best to invest 10 years of expenses in Fixed Income
Replies: 27
Views: 2369

Re: How best to invest 10 years of expenses in Fixed Income

The reason to keep several years flexible is with rising rates you don't want to tie everything up in CDs at current rates if rates are likely to rise. The advantage of direct CDs with low early withdrawal penalties (EWPs), say six months of interest, is that you are significantly hedged against lo...
by Kevin M
Tue Jul 04, 2017 1:50 pm
Forum: Investing - Help with Personal Investments
Topic: "CD ladder" seems to make no sense
Replies: 55
Views: 10640

Re: "CD ladder" seems to make no sense

So now that we're in a rising rate environment (at least a tad...), are people still following this "break" strategy? Interestingly, we're not really in a rising rate environment when it comes to the best 5-year or longer maturity CDs. The last CD I bought was a 5-year at 2.77% with an EW...
by Kevin M
Tue Jul 04, 2017 12:58 pm
Forum: Investing - Help with Personal Investments
Topic: My 72 year old father is looking for advice on where to park ~$300K
Replies: 22
Views: 3339

Re: My 72 year old father is looking for advice on where to park ~$300K

hey kevin, checking in again as he's ready to go for the CD. using the site you reference, the best i find is MACU CD at 2.5% which doesn't seem amazing for being the best available (he lives in NJ btw). can you confirm this is the best he will do? thanks. Yes, this is the highest yield I see for a...
by Kevin M
Fri Jun 30, 2017 10:30 am
Forum: Personal Finance (Not Investing)
Topic: Ally Bank - deposit limit exceeded by home closing check
Replies: 24
Views: 2420

Re: Ally Bank - deposit limit exceeded by home closing check

Ally also doesn't have safe deposit boxes, so have a local bank is required for certain things. As mentioned above, it's also useful if your local bank or credit union does signature guarantees. I would wire proceeds from a house sale, and wire proceeds for a house purchase (did that recently using ...
by Kevin M
Fri Jun 30, 2017 10:16 am
Forum: Personal Finance (Not Investing)
Topic: Best method to move ROTH from Janus Henderson to vanguard?
Replies: 9
Views: 606

Re: Best method to move ROTH from Janus Henderson to vanguard?

Not so fast! At the end I still needed to print the form and get a "medallion signature." Also, I need to include a statement from the Janus dated within the last 90 days. I don't get paper any more and the last statement on the website was 3/31. That gets me within 90 days (just barely b...
by Kevin M
Thu Jun 29, 2017 12:22 pm
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 108
Views: 11482

Re: Vanguard has switched to brokerage only accounts

I do not have a taxable account with Vanguard. I do have a Roth IRA and a Rollover IRA (from a previous employers 401 plan). I only have Vanguard mutual funds in those two accounts. I don't foresee a need to buy ETFs, individual stocks, bonds or CDs. Am I a person who should decline the invitation,...
by Kevin M
Thu Jun 29, 2017 12:07 pm
Forum: Personal Finance (Not Investing)
Topic: A TIPS is maturing in Fidelity. What to do?
Replies: 44
Views: 2371

Re: A TIPS is maturing in Fidelity. What to do?

Let me be clear what I think. If one has a fixed need for cash, then holding CDs with maturities up to that date works-- your portfolio is immunized. Yes, if you have a known nominal liability, then a CD or Treasury with a maturity matching the liability is a risk-free asset. Unless there are other...
by Kevin M
Wed Jun 28, 2017 8:21 pm
Forum: Personal Finance (Not Investing)
Topic: A TIPS is maturing in Fidelity. What to do?
Replies: 44
Views: 2371

Re: A TIPS is maturing in Fidelity. What to do?

Valuethinker, you said "CDs are not appropriate ...". I'm saying that you can use CDs to get similar term risk and reinvestment risk as an intermediate-term bond fund, if that's what you want. With direct CDs you actually have less term risk because of the early withdrawal option, and as I...
by Kevin M
Wed Jun 28, 2017 3:13 pm
Forum: Personal Finance (Not Investing)
Topic: Best method to move ROTH from Janus Henderson to vanguard?
Replies: 9
Views: 606

Re: Best method to move ROTH from Janus Henderson to vanguard?

The Vanguard trustee-to-trustee transfer form is available online. There's really no need to talk to anyone at Vanguard, but if you haven't done this before, it won't hurt. They may partially fill out the form for you, or perhaps walk you through it. Either way, you must fill out the form, sign it, ...
by Kevin M
Wed Jun 28, 2017 3:05 pm
Forum: Personal Finance (Not Investing)
Topic: A TIPS is maturing in Fidelity. What to do?
Replies: 44
Views: 2371

Re: A TIPS is maturing in Fidelity. What to do?

- CDs are not appropriate because they term of your investment is less than your timing of need for the cash, thus you will have significant reinvestment risk, if rates are lower still when you come to renew Poppycock! Any intermediate-term bond or bond fund has both term risk and reinvestment risk...
by Kevin M
Mon Jun 26, 2017 6:24 pm
Forum: Personal Finance (Not Investing)
Topic: A TIPS is maturing in Fidelity. What to do?
Replies: 44
Views: 2371

Re: A TIPS is maturing in Fidelity. What to do?

Putting the money into a short-term TIPS fund (VTAPX) would buy me some time. I wouldn't consider this fund to be a safe place to park money short term, if by safe we mean can't lose value (whether in real or nominal terms). The maximum drawdown for this fund was 3.33%; it began in April 2013 and a...
by Kevin M
Mon Jun 26, 2017 11:42 am
Forum: Personal Finance (Not Investing)
Topic: A TIPS is maturing in Fidelity. What to do?
Replies: 44
Views: 2371

Re: A TIPS is maturing in Fidelity. What to do?

Do you think buying an IRA CD is a better move in today's environment of low, but rising, interest rates? NASA Federal Credit Union offers the best CD rates today. Ally does not offer 11-month no-penalty CDs in IRA ; otherwise it would have been a good temporary solution. Clearly that's my preferen...

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