I was just going to post this myself.hoosier-daddy said:
Capital One has 11mo 5%
Now offering
11-month 360 CD
with a special rate
Special 5.00% rate expires 3/14/2023
I was just going to post this myself.hoosier-daddy said:
Capital One has 11mo 5%
evan_aggie said:
I think Capital One savings is over 4% now and you have all of the flexibility you'd want for withdrawal. Not sure if it's worth the extra 1% but maybe to some.
Wealthfront is 4.05, refer someone and its 4.55%BTHOB said:evan_aggie said:
I think Capital One savings is over 4% now and you have all of the flexibility you'd want for withdrawal. Not sure if it's worth the extra 1% but maybe to some.
Capital One online savings account rate is currently 3.4%.
Ag06Law said:AgsMyDude said:Ag06Law said:AgsMyDude said:Ag13 said:6 month treasuries are yielding 4.8%+. Can get a little more juice if you keep an eye on the maturities and roll the bills yourself.AgsMyDude said:
CUSIPVMFXX is currently 4.29 %
Any reason not to just park emergency fund cash there?
Best place to buy those?
I buy them at Vanguard, it's very easy once you get your funding account set up.
Just through the brokerage account?
When I looked I thought I read something in there about the rates being variable? But maybe I was looking at CDs purchased through Vanguard?
Yeah, if you go up to buy and sell in the brokerage account page, there's an option to buy and sell treasuries. You can buy new treasuries at auction or buy off the secondary market. If you buy new treasuries, the rate is fixed as of the time of the auction for the term of the treasury. The day it matures, the money shows up in your Vanguard settlement account.
Current 6 month on the run (most recently issued): 912796XY0 (matures 8/10/23)AgsMyDude said:Ag06Law said:AgsMyDude said:Ag06Law said:AgsMyDude said:Ag13 said:6 month treasuries are yielding 4.8%+. Can get a little more juice if you keep an eye on the maturities and roll the bills yourself.AgsMyDude said:
CUSIPVMFXX is currently 4.29 %
Any reason not to just park emergency fund cash there?
Best place to buy those?
I buy them at Vanguard, it's very easy once you get your funding account set up.
Just through the brokerage account?
When I looked I thought I read something in there about the rates being variable? But maybe I was looking at CDs purchased through Vanguard?
Yeah, if you go up to buy and sell in the brokerage account page, there's an option to buy and sell treasuries. You can buy new treasuries at auction or buy off the secondary market. If you buy new treasuries, the rate is fixed as of the time of the auction for the term of the treasury. The day it matures, the money shows up in your Vanguard settlement account.
Mind providing which treasuries (or even just 1) that you hold? CUSIP would be helpful too.
I may be doing this wrong because when I get to the final purchase stage for the following treasury it is telling me "This investment is subject to interest rate risk. The value can decline due to rising interest rates. Longer maturities have higher interest rate risk."
Issue
UNITED STATES TREAS NOTE
CUSIP
9128285T3
Stat Monitor Repairman said:
9-month CD at 4.5%