The market is closed now, yet the 3-month and 6-month Treasury auctions are open, and you can enter a buy order right now if you want. You'll see the "Buy" link to the left of Treasuries for which the auctions are open and you can enter an order (the 3-year, 10-year and 30-year also are open).bayview wrote: ↑Sat Jun 09, 2018 2:38 pmThanks, Kevin. I appreciate your reply, but my problem was that this info is often ephemeral. Although I was able to do all that and make comparisons when the Treasuries were available during auction, much of this vanishes afterwards. Similar issue when the bond markets are closed, which is the only time I can log on and mess around. (And yes, it was the new Treasuries, not new issue CDs, that I was ranting about.)
The auctions for 3-month and 6-month Treasuries open every Thursday morning, and close early Monday morning, so you can enter a buy order for them any time in between, day or night, weekday or weekend.
As far as the information vanishing at Vanguard, that's when you can go to TD and look at the investment rate in the auction result PDF.
I was able to use the information at the time I was buying, but since different things were bought at different times, I'm now trying to figure out what (if anything) I did right, lol.
Use the TD site to get the investment rate for the bills, and use the yield to maturity on the confirmations for the CDs.
Treasury and CD rates all have been rising fairly steadily since September of 2017. I started buying quite a lot of brokered CDs, individual munis, and a few Treasuries in December 2017, so I feel your pain. But it's the same for anyone who's holding fixed income in just about any form, which is why we see low or negative YTD and 1-year returns for bond funds, for example. Whether holding funds or individual securities, we've lost money lately.btw, the recent run-up in CD's is doubtless due to the fact that we purchased them in early-to-mid April, and the coupon for each is now pretty much exactly that of the next-younger CD (the 3-year CD pays what the 2-years now pay, the 2-year now pays what the 18-months pay, etc.) You're welcome, everyone.
Even direct CDs have essentially lost value, unless you have no early withdrawal penalty (EWP), and can close the CD with no penalty to open or buy another one at today's rates (available at some credit unions for IRA CDs if age 59 1/2 or older--I did one of these recently). Of course if your CD rate is low enough compared to today's rates, and your EWP is low enough, you could be better off than someone with a bond fund or brokered security, since your EWP could be less than the loss of market value in a fund or brokered security.