You understand it wrong! 不好意思,你理解有误! Here is the website: https://www.treasurydirect.gov/savings-bonds/ Current Rate: 5.27% This includes a fixed rate of 1.30% For I bonds issued November 1, 2023 to April 30, 2024 They only guaranteed you an interest rate of 1.3% only and the 5.27% is the real one in the past.
ahca01 发表于 2024-04-25 18:30 You understand it wrong! 不好意思,你理解有误! Here is the website: https://www.treasurydirect.gov/savings-bonds/ Current Rate: 5.27% This includes a fixed rate of 1.30% For I bonds issued November 1, 2023 to April 30, 2024 They only guaranteed you an interest rate of 1.3% only and the 5.27% is the real one in the past.
汗,你先搞清楚t-bill, t-note, t-bond, i-bond, e-bond之间的区别。前三个利率都是固定的,而且购买很方便。其中Bill最容易,比如100快的,26week利率5.37%,那么购买时只要扣97.32等到期的时候返回100。t-bond是6个月给一次固定利息,它的出售价格计算公式见网站。i-bond 才分固定利率和通货膨胀率,这个每人每年有限额。e-bond是20年翻一番。 我记得你的工作与精算有关。大学里金融相关课程里面有教怎么算,这属于基本内容啊。 就是treasure direct的网站上,它上面有具体各个怎么算的公式,你点Auction, 然后recent auction,会看到最新的数据,现在少于一年的都是5.3%以上,一年的是5.17%。 T-Bill, T-Note, and T-Bond: What’s the Difference? T-Bills, T-Notes, and T-Bonds are all types of fixed-income securities issued by the US Department of the Treasury. The main difference between them lies in their maturity periods and interest payment schedules. T-Bills (Treasury Bills): Short-term securities with maturities ranging from four weeks to one year Sold at a discount or at par (face value) Interest is paid only when the bill matures, not regularly T-bills are considered the most liquid and low-risk investment option T-Notes (Treasury Notes): Medium-term securities with maturities ranging from two to 10 years Pay interest twice a year Offer a lower interest rate compared to T-Bonds T-Notes are considered a relatively low-risk investment option T-Bonds (Treasury Bonds): Long-term securities with maturities of more than 10 years Pay interest twice a year Offer a higher interest rate compared to T-Notes T-Bonds are considered a relatively low-risk investment option, but with a longer commitment In summary, T-Bills are short-term, low-risk investments with a single interest payment at maturity. T-Notes are medium-term, low-risk investments with regular interest payments. T-Bonds are long-term, low-risk investments with regular interest payments.
汗,你先搞清楚t-bill, t-note, t-bond, i-bond, e-bond之间的区别。前三个利率都是固定的,而且购买很方便。其中Bill最容易,比如100快的,26week利率5.37%,那么购买时只要扣97.32等到期的时候返回100。t-bond是6个月给一次固定利息,它的出售价格计算公式见网站。i-bond 才分固定利率和通货膨胀率,这个每人每年有限额。e-bond是20年翻一番。 我记得你的工作与精算有关。大学里金融相关课程里面有教怎么算,这属于基本内容啊。 就是treasure direct的网站上,它上面有具体各个怎么算的公式,你点Auction, 然后recent auction,会看到最新的数据,现在少于一年的都是5.3%以上,一年的是5.17%。 T-Bill, T-Note, and T-Bond: What’s the Difference? T-Bills, T-Notes, and T-Bonds are all types of fixed-income securities issued by the US Department of the Treasury. The main difference between them lies in their maturity periods and interest payment schedules. T-Bills (Treasury Bills): Short-term securities with maturities ranging from four weeks to one year Sold at a discount or at par (face value) Interest is paid only when the bill matures, not regularly T-bills are considered the most liquid and low-risk investment option T-Notes (Treasury Notes): Medium-term securities with maturities ranging from two to 10 years Pay interest twice a year Offer a lower interest rate compared to T-Bonds T-Notes are considered a relatively low-risk investment option T-Bonds (Treasury Bonds): Long-term securities with maturities of more than 10 years Pay interest twice a year Offer a higher interest rate compared to T-Notes T-Bonds are considered a relatively low-risk investment option, but with a longer commitment In summary, T-Bills are short-term, low-risk investments with a single interest payment at maturity. T-Notes are medium-term, low-risk investments with regular interest payments. T-Bonds are long-term, low-risk investments with regular interest payments. sunnyStore 发表于 2024-04-25 20:35
一旦银行倒闭(或者存款/投资部门部分倒闭),最高赔款额都是25万美元吧?而不论银行大小。 比如前一阵子倒闭的硅谷银行,最高赔偿额是25万么?
TD Canada? or TD USA?
TD US 不会倒闭吧?
为什么不存在online banking呢?很多都是5%以上的利息。
你还不如买Tbill,这个应该不会倒的把哈哈。
问题是现在大点的(也就是靠谱的)银行的online银行的存款利息没有那么高吧?据我所知也就是 4.25%啊。
没错,Bill是不会倒的。但是问题是Bill的利率太低啊。 稳定的代价是低息啊。所以,我们要在高息和稳定之间平衡啊。
我记得都有5%多把,而且还可以免州税是吗?这个我不太确定。
Bill有5% 的利息,不可能! Bill的利息永远低于同时期的最高银行存款利息,这是肯定的啊。 否则银行吃啥啊? 另外,通常情况下,Bill的利息非常低。
它倒不倒,和我存多少没有直接关系吧? 我不认为BOA会倒。但是也许他的存款部门会倒一部分是有可能的。
所以,我更加关心:最高赔款额是多少?我记得是25万美金吧?
哪有不会倒闭的银行。只有美联储不会到,其它所有银行都有可能倒闭
同觉得
不必紧张!我不认为BOA会倒闭的。因为太大了。国家就会保护它的。再说了大船抗风险的能力也是相当不错的。可以认为基本不会倒的,特别是短期内。
我更加关心:一旦倒闭,最高赔偿额是25万吗?
单纯买Bill是最差的投资:因为回报率太低了! 不想做深入的解释了。这是常识。谢谢!
换句话说,存钱不能过分考虑稳定,而不考虑收益啊。必须两者兼顾、平衡。就像401K投资那样。
Really? Can you show me the website please? Thank you in advance!!
You understand it wrong! 不好意思,你理解有误!
Here is the website:
https://www.treasurydirect.gov/savings-bonds/
Current Rate: 5.27% This includes a fixed rate of 1.30% For I bonds issued November 1, 2023 to April 30, 2024
They only guaranteed you an interest rate of 1.3% only and the 5.27% is the real one in the past.
It is great! Thanks for sharing!
说的是T bill, 你找I bond干嘛?
干脆你给个website吧。谢啦!
我怎么感觉你的利率都是回头看的实际利率,也就是事后诸葛亮呢? 联邦政府,仅仅保证你20%的利率(比如说5.39% X 20% = 1.08%),其余的都是浮动的吧?人家银行可是保证你的利率是5%啊。
我读书少,你不要骗我~~
我哪敢骗你啊?呵呵~~ 大家都不是天天干这个的,所以才来讨论、学习么。 谢谢你!谢谢你!
我记得你的工作与精算有关。大学里金融相关课程里面有教怎么算,这属于基本内容啊。
就是treasure direct的网站上,它上面有具体各个怎么算的公式,你点Auction, 然后recent auction,会看到最新的数据,现在少于一年的都是5.3%以上,一年的是5.17%。
T-Bill, T-Note, and T-Bond: What’s the Difference? T-Bills, T-Notes, and T-Bonds are all types of fixed-income securities issued by the US Department of the Treasury. The main difference between them lies in their maturity periods and interest payment schedules. T-Bills (Treasury Bills): Short-term securities with maturities ranging from four weeks to one year Sold at a discount or at par (face value) Interest is paid only when the bill matures, not regularly T-bills are considered the most liquid and low-risk investment option T-Notes (Treasury Notes): Medium-term securities with maturities ranging from two to 10 years Pay interest twice a year Offer a lower interest rate compared to T-Bonds T-Notes are considered a relatively low-risk investment option T-Bonds (Treasury Bonds): Long-term securities with maturities of more than 10 years Pay interest twice a year Offer a higher interest rate compared to T-Notes T-Bonds are considered a relatively low-risk investment option, but with a longer commitment In summary, T-Bills are short-term, low-risk investments with a single interest payment at maturity. T-Notes are medium-term, low-risk investments with regular interest payments. T-Bonds are long-term, low-risk investments with regular interest payments.
看不下去了,你说的都是啥
金融危机事都没倒。
Too big to fail, 没听说过?😂
你真是太自信了 😂
不是。除非你这是私房钱。😂
谢谢你还记得俺~~
不好意思啊,非金融、非精算专业毕业,呵呵。
不过,这说明俺还是很厉害是,是不是?精算考试中,却干倒了大多数精算专业的毕业生。呵呵~~
你中国最顶尖理工大学毕业的,咋成小学生了?😂
不过,你这些问题问的确实有小学生水平。
你就说说怎么买T-Bill吧。不光惠顾我,也惠顾大家啊。 不是4层楼,是42层啦~~~ 谢谢你和各位的热情参与啊!
学习知识时,要谦虚么,是不是啊?否则,谁愿意教你啊?
这个是大银行 应该没有问题吧
https://www.treasurydirect.gov/log-in/
treasurydirec注册个账号就可以买了。
万分感谢你!
电话打通我曾等过3个半小时 😂
自信的小学生,哈哈
好!谢谢!
谢谢信息!
很多broker都可以买。
你这是妄议中央、影射今上啊
For example?
broker 买一年内的,很多都在5.3%以上
Merrill Edge Interactive Brokers ...
没股票账户?
就连 Riverside, CA 的房子增值每年才是 1.4%。不信的,我 给你几个具体的例子。每年的地税就是1万下去了。所以在Riverside, CA 投资似乎是不合算的啊。
不好意思。比较落伍,也比较胆小。当然最主要的是:穷! so, yes, 没股票账户
请问ibond和tbill的税率一样吗?
这个图是截的fidelity 上的? 看着不像啊..............
财政部官网 https://www.treasurydirect.gov/auctions/announcements-data-results/
请问J姐,保底25W,那不应该把钱分成20W左右一份么,为什么分成30W一份?
非常非常感谢您! 回答的很好。我也是这样想的。 BOA算商业贷款银行吧? 再次感谢您的认真回答,我感受到了您的真诚。谢谢您的热心和专业!
所有银行,不论大小,赔偿的最高额都是25W吗?
哪里来的上千万?我又不是郭骗子,呵呵~~
郭骗子3年骗了5500美国华人10亿美金。估计要判100+年以上、生不如死了。
想想也挺有意思的,一个初中没毕业的中国骗子郭文贵,居然在美国放开胆量,打着反共的旗号,用一个子虚乌有的屎币,像街头混子一样的漏洞百出、滑稽可笑的骗术,就轻轻松松骗了那么多人的那么多白花花的美金!
所以,当国际友人问我:中国出产什么?我说:骗子!
骗了10亿美金。说明郭贼胆极大,也说明了美华的幼稚。 但愿美国政府枪毙郭文贵!
郭骗子现在还有许多共犯逍遥法外,还在继续行骗。 但愿美国政府将郭骗子集团一网打尽,除恶必尽!
我记得你可以和队友开一个joint account,然后保额就变成50w了,大概是这样,你再自己确定下。
和你老婆开个joint accounts,这么难吗?😂 立马50W。
你是不是在装 国内最顶尖的理工大学本科毕业生,在美国和白人印度人吵架的,不懂英语和Google 啊😧?
哇!不错,很好、很重要的信息啊! 谢谢您的无私、热情分享啊!
不如分散银行存款更好啊。
add your kids as benificiaries and boom now the limit is 75W!
你这是私房钱吗?只能用自己的个人名义存?
这个Beneficiary 也算一个25W,我以前听说,请教一下有英文官方出处吗?
straight out of fdic.gov. You can use their calculator:
https://edie.fdic.gov/calculator.html?
谢谢信息!
Mark
谢谢这个还真的不知道。
你这是小学生的常识
钱存进去,就是不买任何东西,也自动有5%的利息,还可以随时取出来
你真是书生啊。Too big to fail, 美国金融危机时你没来美国吗?
现实就是死道友不死贫道。贫道就是美国的超级大银行。
这些银行一死,或者hiccup, 马上就运转不起来了。
必须是FDIC insured Banks。银行网站上都会写清楚是不是FDIC insured。
我想不明白谁会被他骗,明明看上去就是个不着四六的骗子,那些被骗的图什么呀?
Good to know,虽然我也不会存100万进银行
Mark
跟银行大小没关系,fdic保就可以。这帖子感觉又要招来marcus拉人凑利率的。tbill现在5点多还有税率优惠
是的 好像chase 是最多可以开6个账户 每个账户保底25W 具体楼主可以问一问呀 不过chase是做商业贷款的 我家的大部分是放在Local比较保守的银行 做一些实体个人贷款的那种
决定摆脱BOA啦。太差劲了。