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re: IMO, best place to park cash...
Posted on 4/25/24 at 7:19 pm to Big Scrub TX
Posted on 4/25/24 at 7:19 pm to Big Scrub TX
quote:
just be aware we are (probably!) closer to a time where it could be the right move to extend duration than when I first made this thread.
Is that in the event of rate cuts? What would extending the duration look like?
1
Posted on 4/25/24 at 7:45 pm to PerplenGold
FZDXX has been treating me fine for cash.
Posted on 4/26/24 at 6:23 am to Shepherd88
quote:
Why would you want a floating rate when rates are likely to start heading back down?
Not a fan of treasury’s at all, but what economic indicator is telling you rates are going down?
Posted on 4/26/24 at 6:34 am to Hayekian serf
quote:
Not a fan of treasury’s at all, but what economic indicator is telling you rates are going down?
Check the date, that post is over a year old.
So, I've got 20k I'm holding for my daughter to use to help with a payment for a house in probably 2 years or so. I had it in ibonds a while back, then I moved it to T-blls and have been reinvesting it in them over and over lately.
Sounds like this would be a better/easier option for me for that money, yes?
Posted on 4/26/24 at 6:52 am to Big Scrub TX
So, a money market account? 
Posted on 4/26/24 at 12:07 pm to TDTOM
quote:Currently 35bps lower than USFR
FZDXX has been treating me fine for cash.
Posted on 4/26/24 at 12:08 pm to NATidefan
quote:IMO, yes, seems easier and higher returning.
So, I've got 20k I'm holding for my daughter to use to help with a payment for a house in probably 2 years or so. I had it in ibonds a while back, then I moved it to T-blls and have been reinvesting it in them over and over lately.
Sounds like this would be a better/easier option for me for that money, yes?
Posted on 4/26/24 at 12:08 pm to TigerDeBaiter
quote:no...
So, a money market account?
Posted on 4/26/24 at 12:34 pm to Big Scrub TX
Just want to say I've loved USFR over the past year. Great, reliable returns that beat out every savings and money market account. And it's quite liquid.
The only ETF I might recommend over USFR is FLOT for tax advantaged accounts that can tolerate a bit more risk. But USFR is safer and better in most cases.
The only ETF I might recommend over USFR is FLOT for tax advantaged accounts that can tolerate a bit more risk. But USFR is safer and better in most cases.
Posted on 4/26/24 at 12:54 pm to Big Scrub TX
quote:
IMO, yes, seems easier and higher returning.
Ok thanks, so just buy whenever and sell whenever, set the dividends to reinvest and just let it ride?
Seems simple enough.
Posted on 4/26/24 at 2:38 pm to NATidefan
quote:Yes, but again, that's for "cash" (which it sounds like it fits for your situation). If it's for "fixed income", then need to maintain awareness around the broader rates landscape.
Ok thanks, so just buy whenever and sell whenever, set the dividends to reinvest and just let it ride?
Seems simple enough.
Posted on 4/26/24 at 2:50 pm to Big Scrub TX
How often is the interest paid on USFR?
Forgive my ignorance, but I am interested in moving money from a HYSA into my brokerage acct to buy some USFR
Forgive my ignorance, but I am interested in moving money from a HYSA into my brokerage acct to buy some USFR
Posted on 4/26/24 at 6:50 pm to Big Scrub TX
6 month CD
Posted on 4/26/24 at 7:43 pm to SalE
quote:What rate are you getting to lock your money up for no reason?
6 month CD
Posted on 4/26/24 at 7:44 pm to slinger1317
quote:I believe they pay it during the 3rd week of every month.
How often is the interest paid on USFR?
However, if you look at the price action, it pretty much just perfectly goes up in price until it goes ex, so you shouldn't have to worry about entry and exit dates.
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