TBIL
Rbb Fund Inc - Us Treasury 3 Month Bill ETF
Mentions (24Hr)
-50.00% Today
Reddit Posts
SGOV and TBIL, are there safe to invest as an alternative to Savings Accounts to preserve cash value and earn interest?
Got 2 out of the last 4 -- now I just buy TBIL
Should I invest in treasury funds if no state income tax?
Options + Bonds ; brilliant original idea, or... boondoggle from hell?
TBIL returns 12% less when it is domiciled in Switzerland? Why is that?
Let's talk about short-term debt securities...
Single Treasury ETF’s Assets Double in a Day
Single-bond ETFs to trade the 3-month, 2-year, and 10-year Treasuries list next week on the Nasdaq
Mentions
Throw it all into TBIL and just wait for this ongoing bloodbath to be over if you like having a nice 6 figure number in your portfolio
Bitcoin was down to $74k in April?? I was not scared about my BTC then, yesterday I pulled it all out for a near breakeven and threw it into TBIL until there is a full on capitulation with BTC, i’m not going to trust any price until about 10 weeks out from peak price to then reassess. Bitcoin is a liquidity sponge, it’s saying global risk on liquidity is drying up. Also the dollar is moving up after a double bottom. Some say the 4 year cycle is apart of this and it’s lining up exactly so it’s hard to discount. Now panic selling is creating other scenarios which can theoretically liquidate Saylor or maybe these ETFs. The $2T in BTC vs the other tens of trillions in say bonds or gold or whatever will completely fuck it over, that kind of money will suppress the hell out of it.
Be really careful here—you are confusing **Zero Duration** with **Zero Risk**. IGBH isn't a savings account substitute like SGOV; it's a specific bet on credit spreads. While it hedges out the interest rate risk (by shorting Treasuries), it leaves you completely exposed to **Credit Spread Duration**, which is still massive (around 12 years). Here is the problem with using it for "safety": In a recession or market crash, corporate spreads blow out (prices drop) while Treasuries usually rally (yields drop). Because IGBH is *short* Treasuries to hedge, you miss out on that Treasury rally protection. You take the full hit on the corporate bond price drop without the usual flight-to-safety buffer. It effectively behaves like an equity proxy, not cash. If you want a safe place for savings, stick to SGOV or TBIL. Only touch IGBH if you are specifically betting that the economy will remain strong and credit spreads will tighten.
2m or more, that is at 4% with TBIL or others treasury ETFs 80k pre tax, you can use the entire 2m as option collateral as well so you could sell itm puts over 2 years out on the spx (cash settled no early assignment) to also have equity exposure. Each contract requires at least 60k so it's only for someone with a large amount of capital. So assuming 8% return on average with SP500 average annual return would be 12%
70% VTI and 30% VXUS if long term (10+ year). However the markets are a bit strange right now so it wouldn’t be abnormal to put however much % you want into SGOV or IGOV or TBIL (nearly risk free).
Because it's leveraged. Let's say SPY is 600. To get 100 shares you have to spend 60,000. It pays 1% dividend. Odds of spy going to 300 are low. Right? So, you could take $30,000, buy a 300 call. you will have the same exposure of 100 shares at half the price. you then take your other $30,000, and put it in something like TBIL which pays you 4% a year. you quadrupled your dividend, have the same exposure, and have limited your loss to only half your portfolio instead of 100%. I don't understand why anyone buys stocks. I have most of my money in cash, because I use deep in the money options. so I have the ability to capture the upside and if the market crashes I can quadruple down... if I just held stock I'd be trapped
no trader should hold long equity positions. always buy deep in the money leap calls, and put your cash in TBIL or notes. example:. buy a 300C 400 DTE SPY instead of holding a hundred shares. You are now long 100 Delta at half the cost. you got an extra $40,000 you can put into something that actually pays you interest while you wait for the market to crash. you will have - freed up half your capital - get paid to do so (high rates RN offset carry cost) - same or higher net delta vs holding stock (you don't give up exposure) - limited max loss to 50 percent versus 100 percent - have half your money to deploy when market goes down
Other assets I've been buying are bond ETFs, they have been fairly stable. Most have low volatility but are somewhat sensitive to changes with the rates. I've been buying securities with 30 day yields that are taxed advantaged. These were the only profits I kept when the market tanked Friday. The two tax advantaged ETF bonds are VTEB and HYD. IIRC, there are others too, another specific ETF I was thinking about adding was GOVT, to focus on 10 year bonds. AFAIK it is also tax advantaged. For exposure to volatility in the bond market I buy TLT. I also buy short term bond ETF TBIL but it took a hit when the shutdown was announced.
Sweet. TBIL yields. I like that.
I'm very upset about TBIL -.29%. This is a travesty. Open the Gubbermint you filthy Libbulls.
Not liking this TBIL movement. Dramactic repricing.
TBIL hates the shutdown. Other bond ETFs seem to be up .25%
Bought more SOFI HYD and TBIL 🦅🏳️🌈✨
I will buy VTEB HYD TLT and TBIL until rates drop.
Oh no I stepped in some TBIL
One month living expenses plus a couple thousand for a small emergency is what I do. My big emergency fund is six months of cash invested in a short term treasury bill ETF (TBIL) that’s in my Fidelity account. That way I won’t be tempted to spend it on stupid stuff. If I need the money, I can sell the ETF and transfer it back to my bank of America account. This also makes it easy to invest the interest from the TBIL fund into an index fund or growth stocks when I get my interest every month. I’ve been doing that for a couple years and it’s worked out well.
Holding BRK in an environment is the best way to go right now imo Have a little cash on the sidelines as well and just put it in TBIL. Even if the market keeps going up I’m sure you’ll make some decent gains from BRK and if it goes down you’ll probably make gains as well
If you sell everything would you break even? Is probably best to sell everything and leave the money in high dividend etf like SGOV/TBIL. Do your own research.
TBIL ETF. 30 day notes and short dates bills, low rate risk, currently about 4 percent, pays dividends weekly.
She should at least put that 15k in something like TBIL and get 4% while she's deciding what to do.
Stick what you have left into SGOV, or SNOXX, or TBIL, or whatever. And find another job, any job (almost any) to get some income, to stabilize the situation. At your age you are just at the beginning of many opportunities.
Right, haha, it's psuedo secured in that i have $75000 in TBIL for about $300 ish a month, covers food, and a little bit of rent. When I sold these AMZN was at $205 and I got about $41 in premium buying them out and rolling up to $260 would only net me an extra $12ish in premium for for an extra $20 of liability. So i'm not sure what's best. i'm thinking of buying them out at $250 and selling more if it drops after that.
Long google, ethereum, TBIL, short CVNA (stock only) for a long time until the market crashes. Short term selling puts on anything meme related or undervalued.
Oh no, SPY would have to perform that well to match my performance thus far this year. Kinda feels like I could take it easy and not worry. Value plays would just keep pushing me up higher than SPY could dream. Use the return from my bonds to help fund or just use that to collect more interest. Make about $150 from TBIL and others. Just going to wait for some better buying opportunities. Super overheated. We could continue melting up but at this point I can afford to do with less exposure to market which is due for a correction. Just needs a catalyst.
Tell me you're TBIL and chill while in cash. You'd atleast be beating the CPI..
I think you are referring to symbol TBIL. They think about that, otherwise someone could see that it drops from $50 to $49.80 every month like clockwork and short it. Let’s say for simplicity that the fund accumulates $.01/share in interest per day. If you buy at the peak at $50, you will have a dividend payment of $0.20/share and the fund drops to $49.81. The share price lost 19 cents (20 cent dividend minus 1 cent interest), but you now received 20 cents into your cash balance.
I think they’re talking about buying the ticket TBIL. But I agree SGOV has a slightly better yield and a lower expense ratio.
I'm 35%. I'm earning 4% with Robinhood cash and > 4% with TBIL so risk/reward fits my strategy. I'm 61 YO and retiring in August and I want 3 years of expenses in cash to avoid sequence risk. I would be more exposed to risk if I were much younger.
Pretty cool. I park my extra money in GBIL though. It pays like 0.1%+ more than TBIL.
I did it this way because I wanted to buy the shares, but I also wanted some income on the side to help with expenses and the like. I have portfolio margin, so instead of buying 300 shares at $205 for $61500, I sold these to collect the extra premium and put that premium into TBIL. I fully intend to be assigned to these and buy the shares. Until that time, i'm getting 4.6% per year in dividends on the full $70000, unless AMZN blows past $240, this beats out just buying the stock in terms of total return and offers some slight downside protection.
That is the nice thing about historical performance and keeping cash equivalents in things like TBIL and SGOV, they allow the brokerage to compare to benchmark. So you can say: look at all this time and effort on due diligence and sweating the action, and I have literally not beat what simple VOO and chill would have gotten me. Of course the time suck isn’t a bad thing for you, you obviously like it (I get it). The thing it can’t compare though: imagine if you would have just set to auto and then worked to increase the auto? 1000 is 250 a week. What it you increased it little by little? 260 a week, 300 a week? You would have way more money today. Best of luck. You will be fine.
I buy leaps and stuff as well. I did almost 200% last year with some of the leaps I bought. Tried to use debt to build equity in a position selling slightly otm covered calls on nvda was working great up 50k then the tariffs hit my stop loss triggered so I lost my gains and a little bit of capital. It socks cause I spent a solid while doing dd. I had a thesis that looked solid, and it was working. With nvda at $141 today and climbing, it seems my thesis was correct, and my plan would have worked under literally any other president. Right now, I sold itm puts on a few of the mag 7 expiring in 1.25 years just below their ATHs. They are all technically naked puts, but I have all the funds required to secure them, plus the premium received parked in TBIL earning dividends that i'm reinvesting.
There's a 15% foreign withholding tax on US dividends unless you're holding the TBIL in an RRSP. If it's in a taxable account you'll be able to claim a credit when you file your taxes. If it's in a TFSA/FHSA it's unrecoverable.
I’m not a big fan of tesla and I dumped my only defense stock, Lockheed Martin. Costco is good. I got the idea for it from Charlie Munger. I bought a very small handful of shares a while ago and it’s up about 70%. They are still adding new stores and it’s an international company. They have stores in several countries. I have a bunch of VOO, VIG, and am building up a position in XLK. I had some SCHD but after learning how to analyze companies I realized they are mostly terrible companies and I dumped the entire position at the bottom of the tariff panic to buy other stuff. I have a small number of other individual stocks too most of which have treated me very well. I don’t really have any plans for adding new stocks, just adding to existing ones when I can get a good deal. I also have a bunch of TBIL. I’m kind of ADD when it comes to investing.
I have gathered that much. If I get assigned right now, my cost basis would be $195. Rather than just having the cash sit there to secure the put, I sold naked puts (psudo covered, I have the cash for them) my bank let's me use 99% of the value of TBIL as buying power/margin requirment. So, I'm collecting interest on the entire $70k, not just the premium. I sold these because I don't mind owning the shares at $195 for the long term. I don't cap my gains unless AMZN passes $251 in a year, and my break even would be AMZN at $185 in a year.
>Shoved the entire premium into TBIL so the interest on that will should help magnify gains and offset some of the losses if I'm wrong. Fwiw - the interest rate should already be priced into the put premium. Put contract premiums are negatively correlated with interest rates.
TBIL, the ETF holds tbills and continually buys more when they mature. You can hold it indefinitely. The yield will vary over time. If you buy an individual t-bill, t-note, or t-bond, it will mature at some defined date and you'll need to buy a new one or do something else with the money.
Thank you. Did not think about that. I'm looking at TBIL now, 4.83% with monthly distributions. Are they something that I can park money in at Schwab and it holds/pays indefinitely?
TBIL ETF yields 4.75ish right now.
All this stress from a bipolar market and president is NOT WORTH making any money in. Going fill cash or TBIL
If it's TBIL, look at the chart and see how it goes up and down every month. The value is always going to be the value of the underlying bonds plus the value of the upcoming dividend depending on how close it is to paying out. The value goes up as the dividend date gets closer because it's about to pay out. But you'll notice the value mostly bounces between $50.00 and $49.90. So you can take the monthly dividends and either reinvest them in more TBIL, or invest them elsewhere. And when you want to sell, your value is not going to be far off from where you bought so your capital gains or losses should be legible since the price is bound to that range.
Is it TBIL? If so, you get a dividend every month, not every three months. Because it's a basket of bonds constantly maturing not all at the same time.
Does this mean the T Bills and also the related Etfs (TBIL, SGOV, BIL) will see rising interest rates?
Thanks Mr 🥭 for telling everyone not to be PANICAN. I am no longer a PANICAN rolled everything to TBIL. I am no longer a PANICAN. 
I would really wait until it seems like mkt has hit a bottom or when Trump backs off these tariffs. In the meantime, TBIL gives you a ~4% annual yield and also tracks 3 month tbils which makes exiting the position fairly wasy
For people that don’t really know what to do with their money, the default answer is pretty much have a 6 month emergency fund and put the rest in an index fund like VOO. I keep my emergency fund in the treasury bill ETF called TBIL. Most target date funds have high fees. I’d prefer a low cost fund from Vanguard. I’m kind of curious how you got that much without investing it in the first place.
depends on how safe. Short term bonds don't move: $TBIL, $PULS
FRNs are already pretty short term, TBIL would be redundant.
Nah I’m waiting til I see like a lot of money being made and things being produced consistently. Trying out TBIL and SGOV for a bit til this all calms a bit
TBIL - US Treasury 3 Month Bill ETF 5.01% Distribution yield (Trailing 12 months)
Capital preservation at 35 with a majority of holdings in index funds? Show me which 30 year historical period I will be losing capital before I retire and I’ll think about buying a single share of TBIL in your name.
Buy TBIL can’t fuck that up
When it "doesn't" I'll lose at most a few percent of my account. I don't risk what I am not comfortable losing in a day. My biggest position is TBIL. My options positions are small, numerous, and as uncorrected as I can make them, and get held a few weeks at most, and I let probability do the work. If my account blows up, which it sort of can't unless things get so bad that my investment account is the least of my concerns or i get stupid and continue rolling my strategy in a downturn, oh well. But I'd like to see some returns before I am 80. Buying NKE and waiting for them to figure out they have a dying brand and come up with a plan to turn it around might be for some people, but not for me. I am aware we are in a historic bull run. I'd be a fool not to capitalize on that. I will run my strategy until I feel like the bubble is about to pop, or it pops on me. Then I'll reassess and count my pile of cash.
To BUY OPTIONS YOU NEED CASH FULL STOP. If you have securities they might give you BUYING POWER to Sell Options but only up to a MAX OF 75% of SGOV, BIL, TBIL bought with cash . If you get buying power on Spy I would guess 50% but it could be 0 , up to the broker. So if you have 10k of Spy already on 50% margin so figure 0 , but call the trade desk.
TBIL like a true regard, waiting for the "big crush", should happen any minute now
You could just put it all inside and ETF like TBIL which won't depreciate. It's the same as investing in treasury bills at the current rate. Then when the market tanks or we have a recession, sell that TBIL position and then buy some growth stocks on sale
Yeah, SGOV or TBIL are returning like 5% still and you don’t have to pay state taxes on them. It’s basically a high yield savings account IMO. You can liquidate within 3 days if you REALLY need to and the asset is extremely stable.
Everything is pumping while I seat on TBIL with 4.5% annually waiting for "the big crash". I should be banned, or even arrested 
TBIL is an ultrashort treasury fund so it is considered a zero-risk to very low-risk holding. Laddering the process of holding a portfolio of fixed income assets with different maturity dates. Longer explanation here: [https://www.schwab.com/fixed-income/bond-ladders](https://www.schwab.com/fixed-income/bond-ladders) and [https://www.fidelity.com/viewpoints/investing-ideas/bond-ladder-strategy](https://www.fidelity.com/viewpoints/investing-ideas/bond-ladder-strategy)
Is it okay to hold the TBIL ETF for years? What do people mean by laddering? Buy at the beginning of each month and then sell at the end of the month and do it over and over again? Or should are you supposed to just leave it in there?
Most people would just recommend buying an index fund like VOO. Personally, I have an emergency fund in a treasury bill ETF called TBIL that won’t lose money and pays a dividend. All the dividends get reinvested i to VOO. The rest of my money is mostly in Vanguard ETFs. I only keep enough cash for a month of bills. I would max out your 401K and get a Roth IRA. I use Fidelity and the app and their customer service are great. My 401K has an option for a Roth contribution so that all of my contributions can be pulled out tax free later. My employers matching will be taxed though. Since you are young I would just be stashing cash and investing it especially while you have almost no expenses. Rent has been a huge waste of money. Always pay yourself first meaning whenever you get paid wire out a chunk to Fidelity that you already know you don’t need to live off of. I do the same % when I get paid before I do anything else with the money. Also read the book Psychology of Money. 85k for your age is amazing. I imagine living at home had a lot to do with it. When you are older most of the benefit will come from when you were younger. It’s a lot easier to start younger than it is to try to catch up when you are 40.
Price stable, yes. I believe TBIL has monthly dividends, so at the end of the month, you will receive dividends; they usually do arrive as cash in your account. I use BIL which is the same just a different T-Bill ETF product.
Just put it in an investment calculator with both scenarios. The market is at all time highs now and pretty slow. What I would do is take the 100k and put it in the TBIL etf and then buy VOO with the monthly dividends. 100k a month in TBIL at about 5% is almost $500 a month. Treasury bills just meet the cost of inflation so you have to reinvest it to grow it. If you spend the treasury bill dividends on stupid junk you don’t need then you are destroying the value of the 100k.
If you want to stay aligned with the highest interest rate available for cash at any given point, then buy 4 week U.S. Treasury bills and have their distributions continually roll over. A much easier way with just a slight compromise for expense ratio is to buy a fund that tracks the shortest term Treasury products such as USFR or TBIL. This can be done in a brokerage such as Fidelity or Schwab. Otherwise you're constantly going to surf bank offerings and drive yourself a bit nuts over a few basis points.
I think you went to the wrong broker. RH is not a real options house. You cannot Sell Calls period. That is just crazy. Every other major (large number of customers) allows that , but most have crazy arbitrary rules as to how to get approved for selling options. I am surprised you did not go to Tasty since they seem to have started an endless series of videos on DTE 0 options when it became a thing. Tasty gives full options to anyone as long as you can check a box. Tso at Schwab now, has a fuller , but more complex option platform (the guys at Tasty were the founders of Tos). Schwab is not easy to get full option authority. Either Tos or Tasty is light years ahead of Fideliy's 1990 platform. Tasty will let you do anything you have buying power for. They do not pay interest on cash (nor does Tos) , but both will let you use SGOV,BIL,TBIL.... as BuyingPower at 75%, so 10k gets you $7500 BP, Schwab is 70%. It converts to Cash within a second of the sale . If you want a full broker like Fidelity , that has mutual funds, sells Tbils then Scwab/Tos is the place. If you just need the options, with a Trade Desk staffed by traders then Tasty is good, but it is still a Boutique, so I doubt they staff on Sundays. Schwab has a trade desk but you have to ask for the number, it is not the default, the default is just some random person with little options knowledge.
Hi, sorry I am really dumb. I am looking at ASX page for TBIL. [https://www.asx.com.au/markets/etp/tbil](https://www.asx.com.au/markets/etp/tbil) (1) In the "distribution information" column (rightmost column near top of page), why, although the distribution amount is positive, the annual yield is zero? Isn't the annual yield the distribution over past 12 months divided by current price of the ETF? (Even assuming the August distribution hasn't been registered yet due to some time lag, at least there were distributions in July June, May, etc. according to the bar chart below it?) (2) In the "total returns" bar chart (middle of the three bar charts), what does benchmark mean and why is the benchmark zero at 4 of the 5 points? (3) Scrolling further down, what does "asset allocation" mean? What's the difference between the "(%) TBIL" column and the "(%) Category" column? For the latter column, why are some numbers > 100%? (4) What does "top 10 holdings" mean? Why is the percentage of TBIL only 70 something percent, not 100? (I thought this is the page for TBIL itself?) What do "remaining holdings" refer to? Any enlightenment would be greatly appreciated! Thank you so much!
Currently I have my emergency fund in the TBIL etf which is for short term treasury bills so it pays about 5% dividends a year currently. It’s more liquid than an actual 3 month treasury bill because you can sell it anytime the market is open. The price of the etf fluctuates a tiny bit but not much. It’s probably the safest way to protect your emergency fund from inflation but also if the market crashes and you need it then half of it won’t be lost. During market crashes and recessions lots of people lose their jobs. The dividends from my TBIL etf get invested into Vanguard funds. It’s about 120 or 130 every month. I would only keep enough cash in your account to pay your bills. Professional investors keep their excess cash in short term treasury bills or invest it. In financial records it falls under “cash and cash equivalents”
Take a look at JAAA as a TBIL/MMKT alternative...should perform relatively well in vast majority of market scenarios, and will range from 110-150bps above fed funds rate
100% safe and liquid? “TBIL” is the symbol. It is a short term treasury bill ETF currently paying 5.2% APY as a monthly dividend. It will go up and down as the Fed changes interest rates, but will always be a bit higher than HYSA’s.
Looks like USFR ladders are further out into the future. Certainly an interesting ETF think we might broaden out our portfolio with this one too. Pay date is also more end of month where TBIL and CLIP are beginning and middle of month respectively.
SGOV is popular or TBIL or USFR. Those are all short term
TBIL and CLIP ETFs are ladders too. I also do not know why these are not more popular.
TBIL and CLIP ETFs are treasury ladders. Work great and 5.25% compounding monthly. And no need for me to work the ladders.
IIPR is another stock to look into that also pays dividends. But the price has been up and down. I'm out of them as I only have a 7 year window until retirement. Maybe someone younger can take a chance with them. Any money I had in IIPR is now in TBIL and CLIP ETFs. Need to park the money in a safe investment where I do not lose any principal.
$TBIL cause I don't know what would be better
TBIL, TLT and some SPHY is my bond portfolio, averaging around 5% \~80% bonds for me as well, somewhere between 3 and 10 years from retirement depending on how my business outlooks go.
You get dividends each month (the amount it drops) and its about 5%. You put it there and let it sit until you need it. If you have some cash and waiting for a dip, you can park it in sgov until a buying opportunity comes up. Then sell sgov and buy whatever you want. Alternatives are BIL and TBIL as well as many others
Hi All I'm interested in buying US bonds to (hopefully) benefit from the Fed lowering interest rates next month. My broker removed my permission to trade bonds in my account so I've been looking at ETFs as an alternative to invest in 1 or 3 month US Treasury Bills. I want to buy bonds to park some of my cash in. Someone mentioned the ETF called "TBIL" to me that invests in short term US Treasury Bills of 3 months which I am interested in (one month would be better though). My question is, if the Fed lowers interest rates next month bond prices will increase so will the TBIL ETF go up in value the same way? Someone also mentioned "BOXX" ETF so I guess same question as above. Hope I'm making sense but basically I'm wanting to buy an ETF to benefit from the lowering of interest rates/bond prices increasing this year and not sure which one to buy and if these ETFs are suitable. I am new to bonds so trying to figure this out. Thanks for any help!
I can't speak to bonds. We have been doing laddered Treasury bills through TBIL and CLIP ETFs available on Schwab. They are great because they trade like any other stock ETF. The managers do the laddering work in the background. We have been getting 5.25% now for some time. Make sure to reinvest all capital gains and dividends and we have been very happy with the results. This is a small portion of our holdings which are mainly in 401k for both me and my wife. This is money we've either inherited or received as bonus from work or otherwise monthly after expense paycheck leftovers. While we gamble in our 401k accounts and have done well over the decades this money is cash we had and we do not want to lose the principal while still making some money. Will also be our short-term vacation money if we need it and then bridge to retirement if I lose my job in the next 7 years. Should also be free from Federal tax but not quite sure about that bit until our next 1040 comes up.
bonds are a complex subject, you need to read about it. generally the price of a bond rises when yields fall and bond prices rise when yields rise. Sometimes these prices fluctuate just on the *expectation* of yield changes. Most brokers let you trade treasuries and can buy/sell in secondary market. You can also buy direct (but won't be able to sell). bills are short term, notes are mid term and bonds are long term. There is also savings bonds for retail. Most bonds are normiale fixed rate, but you can get inflated adjust products, like i-bonds (savings) or TIPS. -- You can also buy bond funds which are baskets of various products above. In addition to government bonds, there are state bonds (munis) and corporate bonds. Bonds have risk ratings, federal government are least risky. States next. Corporate bonds are backed by underlying corporation, so risk depends on company's ability to pay. -- Treasuries are exempt from state and local taxes, which can increase their after tax returns if you are in high tax state. Muni bonds are typically exempt for federal, state and local taxes (again, better returns if you are in high tax bracket). -- For the most part I like bond funds, but you need to look at their holdings and understand how they work. For example, TBIL holds short term t-bills with about a 3 month maturity. TLT holds 20 year bonds. When a note expires in their fund, they go out and purchase new one. But new holdings are based on current price/yield and existing ones in their portfolio, so it will vary from what you would get if you are purchasing them directly. People also speculate in ETFs, which can have some impact on price. -- I also like i-bonds. These have a (very small) fixed rate, plus inflation adjustment yield. These are tax deferred, meaning, you don't claim income until you redeem (you could tax plan to redeem in a low tax year). They are also exempt from state/local taxes. The price doesn't fluctuate like other treasuries, since there is no secondary market, you get back principal + realized yield. These are retail only and can only be purchased on treasury direct, with a limit of $10K/year
Do you have a job with a 401k? Then that is where you should "gamble" your money. By that I mean something that follows the Russel large cap value growth fund (SCHG is a good example look at the 5 year chart 122% gain not counting dividend reinvestment). Up YoY and even in a down year not down that much and typically doubles those loses on the way back up. Since it is in a 401k you also aren't going to be "trading" as you would in a brokerage since it is all end of day sales and I found it easier to park money there. Sometimes I do check on it every day but then I have zero interest in moving money around. I just wish there was no cap on how much we could put into our 401k. Put any emergency money into TBIL or CLIP ETFs before you start investing any money. One of the few avenues where you can get the advantage of ladder Treasury bills without the work and make decent money. But if you want to go to treasury web site and ladder t-bills there you can make a little bit more money with the work. And get the gambling out of your system. It'll keep your mind busy sorting the ladders out. With zero downside as you can't lose your principal and worse case you make less money if the Feds cut interest rates. It isn't an HYSA so you will need time to move money from the brokerage to the bank in an emergency but most emergencies you can put on a credit card and then move the money out of the ETFs in time to pay the cc off. With ladders at the Treasury site you'll need to do a bit more planning on how you ladder if you needed $20k next month. With ETFs it is sell and transfer no planning needed.
TBIL and CLIP are ETFs with 4 letters. Also SCHD, SCHG...
Check it r/TQQQ, the regards their called the bottom 4 times before today. It's today the bottom? Will if it is, everything is figured out and now priced in. No new significant news will drop and we'll slowly grind up from here. My expectation is a dead cat bounce and then more pain. Sticking to TBIL and TLT 70% right now. Will move back to SPY once the vix calms down. I'm close to retirement and can't deal with a 50% drop that takes a decade to recover.