/biz/ - Business & Finance

Why shouldn't I jump on some 4 week t bills?

Holy shit so if I put in $20K I'll have a million in just 4 weeks?

>>54888716
Still below inflation

>>54888720
Why wouldn't you? is the real question.
If you have cash sitting in savings buy all in with it. Obviously you'll collect a better rate for the month.

>invest 1000 dollars
>wait a year
>get 50 dollars
what's the big deal

>>54888716
so everyone is selling t-bills, which is causing the rate to go sky high?
what are they buying instead?

>>54888737
Get out contrarian. T bills are beating stocks. Ok sure if you are degenerate stock trader or crypto gambler than of course you have other places to put your money. Anyone looking to steady gains that has cash on hand should be parking it in t bills rather than cd or savings accounts.

>>54888755
It's a lot of money.

>>54888731
no anon, you'll have a million in 1 week. In 4 weeks you'll have a trillion.

>>54888720
US defaults and your money goes poof like the ponzi it is.

>>54888758
More t bills with higher returns. There is no where to invest wisely and safely right now. Even big institutions are putting their wads of cash in t bills. For example Berkshire Hathaway holds nearly $100 billion in Treasury bills right now.

>>54888787
Holy shit you are retarded.

>>54888716
i just opened an acct on treasure direct dot gov

now i just put in money, buy the 4w and wait for my cash?

What are the risks here? can the rate change or is it locked?

>>54888899
The us government default on their debt. But if that happens expect a collapse of the us economy

>>54888755
>what's the big deal
Okay, now imagine it's billions of dollars on something that gives fuck all risk in theory.

>>54888899
Um you should look into how inflation affects bonds and interest rate changes

There's a reason investors aren't buying them

>>54888755
that's 5 less dicks you have to suck each year

>>54888948
But bonds aren't for investing right? They're for getting a little more from your savings

>>54888755
>be MM managing billions/trillions of dollars
>can't swing shitcoins without completely overwhelming the market
>park large amount of cash in bonds for interest when uninvested
there is 0 reason to own anything besides stocks/crypto if you're not a billionaire

>>54888961
T Bills beat the stock market and bitcoin 2022 retard. Jan 1 to Dec 31, 2022. Look it up.

>>54888956
Don't listen to these idiots. They don't understand anything about diversification or parking cash. They certainly don't understand most people are not professional investors. There is absolutely no reason not to put extra cash in t bills right now. Of course doing so should be part of a larger strategy. If you have cash just sitting around that is emergency fund or whatever put it in t bills for the rate.
There was a thread a few weeks ago about an anon that was using credit cards to pay everything monthly, investing in t bills and making a decent percentage. His plan was put his whole paycheck in 4 week bills for the rate. Pay for evrything on credit cards that paid back a percentage. Then pay the credit cards off monthly when the t bills came back. He was doing good with the strategy.

>>54889085
Personally I'm investing mostly in BTC and eth. T bills is just to park my cash

>>54888899
Annualized apr, you'll get like .8% in a month

>>54889400
Ya that's fine.... I already am in investments. This is more for my sidelined cash sitting in the bank waiting to buy a car / more btc

Can someone explain what's the logic behind shorter bills having higher percentage? Shouldn't it be that if you money will mature sooner, that the rate would be lower? Or is this the market expecting the yields to fall, so they are willing to lock into this rate for longer?

>>54889444
>Or is this the market expecting the yields to fall
yes

lol the government actually ran out of money and they're afraid to print more because a big mac will cost $20

hilarious

Nations are buying Gold and not treasuries so there is the answer to what they are selling treasuries for.

>>54888899
>What are the risks here?
unironically dealing with the treasury direct website

>>54889085
>banks are paying 4%
not worth the hassle for an extra 1% for an emergency fund

>>54888787
Wow

These are the people giving you financial advice here.
Do you honestly think the US is going to default in a month?

>>54889202
>T bills is just to park my cash
That's the point.
>>54891185
>not worth the hassle for an extra 1%
You always be poor.

>>54891306
Yes

>>54891539
then buy physical gold

>>54888716
Sheeeit nigga I have $20k in 17-week bills like a chump. Thought I was locking in a good rate for the inevitable fed softening but the short term rates just keep going up. I guess we really are headed for a deep recession

>>54888716
that is how it started in Greece
USA too big to bail
either a Big Mac costs 50 dollar in September or the USA cant pay its debts anymore
Frontrun the bank run you fools, buy btc

>>54888731
No but you will get $1,200 in interest

Why doesn't the US just try to collect outstanding debts that foreign countries owe us?

>>54888758
milady

>>54892055
nah, the milady glow niggers managed to lose by now 30 btc with their shitcoining

>btc ordinals traffic fuck it
>30% excise tax on PoW
>all PoS crypto is a security
>t bills a great investment
sounds like a really huge orchestrated psyop.

>>54889444
In an effort to curb inflation, the Fed is incentivizing people to get out of risk assets by hiking short term rates. Don't fight the Fed.

>>54892094
I cant deny the feeling that they cut the glow bot contractor budget. They thought Artificial Indians will do the job just fine but the amount of human intervention still necessary with less staff on a payroll seems to grind them down

4 weeks or 8 weeks?

Remember a few years ago when a $1 trillion budget deficit was "historic?" Well now we're just paying that much in interest, even if we severely curtailed spending the deficit will just get larger and larger as rates rise.

>look guys someone put these raybans in the bargain bin
yields are going up because bondholders are SELLING

>>54888787
The U.S. will NEVER default. Everyone here should sell out of everything and buy U.S. Treasuries!

>>54888899
The rates in the OP are annualized.
So the real rate of return for a 4 month t-bill is
5/13 = 0.384%
Unless you are sitting on a shit ton of cash, literally who cares.

>>54892582
>Please by my shitbags goy
Nah. Ask Israel to buy them, Japs and Chinks are dumping
btw, we are going to kill you

>>54888899
based, following you anon i might do the same hope you make it

>>54889085
this sounds both based and too good to be true, what if tbills dump

>>54892046
Because those countries will just drop the dollar and default as well, what's the US gonna do, wage war against the world? Retard.

>>54892923
he either has to wait for maturity to get less money back and realize a purchasing power loss, or sell it at a loss directly

>>54892582
>Rome will never collapse
Lol

just threw $50,000 into short term 4week tbills for the next bidding date (05/11). did I do it correctly?

>>54893217
post proof and i'll throw a much smaller amount but i will do it fuck it

>>54893217
no but you are a skilled cocksucker. buy physical assets.

>>54893793
second this
I might throw in 50 bucks if anon posts proof

>>54892582
>The U.S. will NEVER default.

They factually did in the 30s.

Where the fuck do you see these rates? 1 month is still at 5.5% everywhere

>>54888720
The return is annualized, you get a few $ out of it.

>>54891609
Already have

I am really tempted to buy here but it's the post-shemitah jewish jubilee year, and a theatrical public debt default would not only satisfy the kabbalistic torah memes but also accomplish everything needed for the 4th Industrial Revolution...

Try to honestly explain a scenario where rates go back down and "everything is ok" and the business cycle begins again; what will be driving growth and productivity in the US??? It truly feels like it's over for us, that it's the culmination of the endings of empire cycle, reserve currency, sovereign debt, and market cycles, and we're definitely all getting Great Resetted. The US Bond market collapse will make the Deagel 2025 population forecasts come true.

>>54894057
The problem with jewish mind control is, that it needs a super majority of at least 45% to population to be susceptible to it. If that threshold isn't reached the models cant be applied and create, due to false feedback loops unpredictable outcomes

>>54894104
We're deep into that threshold. US Treasury Secretary is jewish, half the Fed chairs, more than half of Biden's cabinet members, half the House and Senate are Jews with most of them having literal dual-citizenship with Israel. The Jubilee model is in full compliance just like it was with the last jubilees, the 1970s stealth-default, 1920s Weimar hyperinflation, 1870s ottoman debt crisis, and on and on wherever you find the capital of global jewery.

Why is this time different when all the evidence is lined up perfectly for a US sovereign debt crisis?

>>54894209
deep, is an interpretation, and the data I am drawing from is biased due to the limitations of polling. The aggregates don't show such a rosie picture

>>54891516
>stocks have been in bear market territory for over a year
>dipshits on 4channel are going bonkers for a 1% yield premium over a basic bitch savings account
>I'm the one that's gonna be poor

>>54892094
kek this. if the (((narrative))) is trying to funnel as much money as possible into something, in this case tbills, it means that thing is the next major rugpull.

>>54888799
>>54891306
>>54892582
glowies in the thread only confirms this

>>54894321
rugpull my gold from my hands nigger. thats right your jewish tricks wont work on me.

>>54893793
>post proof and i'll throw a much smaller amount but i will do it fuck it
>>54893857
>I might throw in 50 bucks if anon posts proof
do it faggots

>>54888716
My bank is giving me 4.5% apy for a savings account. it's unreal. And every month or two the interest rate goes up.

We're already in 20% hyperinflation, boomers have fucked us

>>54889043
>T Bills beat the stock market and bitcoin during a recession/bear-run
duh

>>54893217
>>54894589
>just threw 50k at something not sure if you even did it correctly
godspeed anon

>>54894589
>purchase requested
RIP fool

>>54895806
cope brokie

>>54896577
320 btc is hardly being broke. Though, yeah the gambling and everyday wallet hasnt done so well since 2021

>>54894319
>throws money away because uh... BECAUSE I DO THAT'S WHY
poorfag confirmed

>>54888765
low iq take, missing the best day of the stock market will cost people 20% of their networth if not more.

>>54896597
>320 btc
post proof with time stamp or lying

>>54896666
checked
also the post you reply to
>contrarian
I really relly wonder where you find such incompetent staff

>>54896672
why would I dox my addresses sirs

>>54896666
>this pipedream I have of markets pumping 20% kicking off the golden bullrun sometime in the next 4 weeks
gtfo. No one said anything about pulling out of the markets or crypto to go all in on t-bills. This thread is about parking extra cash.
>markets are gonna POOOOOOOOMP THOUGH
lmao

>>54896688
You can do it without posting an address you lying cocksucking faggot

>>54896674
rent free

>>54888936
Well, when I have seven figures or more I will consider those.

>>54896726
>timestamp
would you like me to make a tx from addresses that haven't moved since 2015, how about you post yours and I send you some sats? Would you like that? Would that be enough for you to be satisfied and stop bullying me :(

>>54896752
>n-no you
lying nigger

>>54897880
Believe me or don't, I don't mind. While you have to hustle I just do what I want and don't have to worry about a thing

>>54891653
>for the inevitable fed softening
what's your timeframe`

>>54892040
No he won't because that % is annualized, it will be closer to $100

>>54889043
So go all-in on T-bills for the rest of my life?

>>54888716
Are these almost out preforming real-estate now? Holy fuck.

>>54892420
Diversify. Create a short term bond ladder.

Are the rates written in the scale of 365 days or the period of time it takes for the bill to reach maturity?
Do I gain 5.964% after 4 weeks?

>>54894589
Congrats, you will now make $2900 in 4 weeks on that deposit.
If you had a 40hr/wk job, you'd need a salary of about $18.26 to make the same amount of money.

>>54899039
what do you think per annua yield means. You must be trolling please just tell me you trolled

>>54899061
Where did you find that it says per annum? The only reason I asked is I know nothing about treasury bills and could find fuck all in terms of info about them.

>>54899089
Just think logically, what would happen if you get 5%+ a month which would be roughly 70% per annum on treasury bonds. Where would inflation be if there was an emission like a shitcoin ponzi

>>54899056
>Congrats, you will now make $2900 in 4 weeks on that deposit.
divide by 12 you fucking midwit. all treasury investment rates are ANNUALIZED

>>54899157
>list annualized rates
>for bonds that mature in much less than one year
this is obviously intended to trick people who don't know better

>>54899137
You're right I feel silly now

>>54899281
Just stay away from us treasuries and notes until the end of the next election cycle. Then if you are a boomer you might consider it depending on how the US default plays out

Is there any way I can take advantage of this via an ETF or some other proxy on a robinhood account? I don't feel like opening a financial account on some shitty gov contractor site

>>54899387
you could buy shy or tlt, but the last few months were crab hell and the next few months are going to be bear paradise; that said most of those services allow leverage shorts on etfs, go wild

>>54899157
ah fuck you're right, it's only 225 dollars
I'm too retarded for /biz/

>>54898367
14 days

>>54888953
5? Man inflation hits different in those terms. I remember when the number 1 /biz/ advice was to invest in knee pads and suck dicks for $1 a dick.

>>54899312
What do we buy then

>>54900222
things that are in demand? Certainly not things that bagholders and suckers, banks that sit on giant amounts of toxic bonds and a government desperate to not default try to sell.

>>54889444
Because money market funds cannot take the risk of govt default, even if the chance is very low. As a result, money market funds are moving their investments from 1m T bills to longer dated bills. As there are less buyers of 1m T bills, the interest on them goes up.

>>54888775
How do I get in this action?

>>54888716
bank of japan governor ueda just announced they will stop yield curve control and start shrinking their balance sheet which i assume means start dumping US treasuries

>>54900336
and so it begins
Fucking japs, expected it today

>>54898496
Depends. Are you mentally retarded to the point of lacking the understanding on timely common sense diversified investing? If so than yes, treasurys are a good choice for (you).

>>54899387
Yes. You can piss away gains on middle men with a short term treasury etf. Sorry to hear about your mental handicap that holds you back from basic website use. Must be awful for you trying to get by in the modern world.

On treasury direct you can only see the previous auction rates.
Are the current auctions the same? Is there a way to see them?
Does it matter which start day i buy if they are all 4 week t bills?

>>54900291
Why does a longer term bond have less exposure to default than a short term bond? That's literally backwards

See the thing you guys always fail to understand is that bonds are slow moving and have extreme liquidity and very identifiable macro conditions, this makes them the prime candidate for buying on leverage. Yes only hold straight bonds if you have fuck everyone money, otherwise bonds deserved a leveraged position in your portfolio. Make sure you’re not paying more in fees and funding than the yield

>>54892564
This doesn’t really hold true for Money Market instruments. If it’s over a year then YTM kicks in, under a year and you can hold it to maturity

>>54889444
>>54888716
What if short T bills are getting bigger is because sidelined cash is ready to buy in, in the coming months

>>54892939
this is probably what's going to end up happening

>>54888765
>T bills are beating stocks.
MO pays an 8.05% an yield on qualified dividends and I can speculate out of greed by writing covered calls against it, getting another 9.60% taxed earned income by risking on ~0.3 delta.

Every time t bills come up there's half the posters not realising those rates are annualised. I'm not even an American. Fuck this board

>>54901427
>On treasury direct you can only see the previous auction rates.
Yes because treasurys are sold at auctions. The rate is determined by the bids of that auction.
>Are the current auctions the same?
There are no current rates. There is the previous auctions rates. Then there is the next auction when bidding will occur again.
>Is there a way to see them?
No. Not till after the auction. I believe if you don't like the rate of the auction you can cancel your buy before the issue date. Look it up I guess.
>Does it matter which start day i buy if they are all 4 week t bills?
You don't buy start days. You place a buy order in increments of $100 for upcoming auctions. You pick the auction and the amount you want to buy. You as a stand alone buyer are a noncompetitive bidder. This means you will receive the investment rate according to the high rate competitive bid accepted. Large institutions place bids at the auction for certain amounts of treasurys. The treasury accepts the bids and picks the high rate bid (which is actually the lowest) for that particular auction. You as a non competitive bidder will get that rate.
My explanation is kinda choppy but that is the gist of it.
See here for more info
https://www.treasurydirect.gov/auctions/how-auctions-work/
See here for an example of how an auction goes. Its the latest 4 week auction.
https://www.treasurydirect.gov/instit/annceresult/press/preanre/2023/R_20230504_1.pdf
Keep in mind "high rate" is how the "price per 100" is determined which creates the "investment rate" which you will earn which is apr. So in this 4 week auction you earn 5.964% apr for 4 weeks. Which means you give the treasury $99.545778 for 28 days and they give you back $100 at the end of those 28 days.
Again my explanation is really shoddy but it is fairly accurate in how it works for t bills.

>>54901649
You are a professional trader. That is a completely different conversation. Fact of the matter is most average persons are down in their 401ks or whatever they are invested in. Itt the purpose is talking about parking cash safely, getting a good rate and lowering tax burden, not professional trading which involves risk of loss or fucking around in the markets. Go to smg if you want to discuss that.

>>54901684
>half the posters not realising
That's a problem in every thread of every board on this shitty site.
>Fuck this board
You must be new here. lol

>>54900291
>>54901468
>Why does a longer term bond have less exposure to default than a short term bond?
I also don't get this. Unless the default is like an instantaneous thing, i.e. these bonds matured, we don't have the money to pay you back so fuck you. We simply won't pay this batch. In the meantime, we got some money, another batch matured, now we have the money to pay that batch.
I always thought that bonds are paid out in the order of maturity, i.e., if my bond matures when there is no money to pay me out, that debt stays until they get some money and my bond has a priority over the bonds that matured after my bond.

Who in their right mind would buy bonds, now. US bonds of all things, the curve looks like an ass that bends over to be fucked.

>>54892564
who do you think is selling? Japs? Euros? Chinese? Swiss/City/tax haven dwelling money lords?

>>54903526
i believe we are seeing the early-early/mid stages of a panic developing in the market, where everybody starts looking for a safe place to stash their money.

based on my unmedicated schizophrenia i predict that we'll see bonds get rugpulled when countries with a vested interest in seeing the USD be replaced as the world reserve currencies dump their treasury instruments. until then, though, it seems like we're seeing a 'flight to quality' as people and small institutions try and park their money in what are considered safe havens to weather the upcoming storm.
same thing with the deposit flows in the US financial systems, small and regional banks saw a big outflow in March and the biggest banks saw an inflow (which makes me think that at least one bank is about to be sacrificed in the upcoming clusterfuck, most likely Wells Fargo but i really wish it would be JPM or Goldman Sachs)

i just wish they'd HURRY THE FUCK UP AND GET ON WITH IT ALREADY. yesterday i saw a friend for the first time in a year and he went "damn dude you went grey." like the anticipation for The Big Fuck has literally aged me about 5 years.

>>54903575
BOJ has sold and is going to sell more, china is also getting ready, euros, probably not and swiss, yes already sold more to come

>>54903597
its not an interest its a necessity. Japan needs to stabilize its currency, china is likely holding out waiting for the right moment to dump whenthey are ready to get Taiwan and the swiss and others just dont want to be the ones left holding the bags

>>54903526
I'm waiting for the 30 yr treasury bond to hit 15% before buying

>>54904115
>normalization of yield curve,
>at a higher plateau

>>54894643
Is this Goldman-Sachs through Apple or a bank entirely?

>>54902475
If the US defaults on its debt, you can almost guarantee that it isnt going to be a little event where they say oh we cant pay out xx number of bonds. It's going to be all or nothing, I think that's a fairly safe assumption. We arent at that point yet, we still got some juice left in the money printers, governments always choose massive inflation first before they have to default. The only thing that makes sense to me is the bond market is pricing in rate cuts from the fed. Let's say you can lock in 5% guaranteed for the next year, or 6% for the next month. If the banks collapse and the fed has to drop rates by 300 basis points in 3 months, you were smart to lock in 5% for one year. To me, TLT has been looking attractive as I dont think the fed raises rates again. They probably keep them where they are next month (if things havent already collapsed), and will most likely be cutting rates in Q4.

>>54904457
youshould visit the eyedoctor

>>54904485
Do you understand the price mechanics of TLT? Why are you in a bond thread if you dont know how they work you idiot

>>54889085
You smell of shill.
In one sentence you say t-bills are for low risk investing.
In another sentence you say non-professional traders should buy t-bills.
In yet another you say 'as part of a larger strategy.'
You can choose one of those two.
In the last sentence you are telling people to take more risk getting into debt to buy t-bills.
If you're not a shill, you're at least a little manic.

>>54904500
any day now
>>54903526

>>54894346
>liquidity crisis
>gold crashes 80%
good luck paying bills
>>54894321
based

>>54904500
Checked. Why use tlt instead of /zb? If it's a high conviction play of yours, pump up the leverage fren

>>54899803
How did you amass this much money if you’re clearly retarded?

>>54888731
>>54892040
You people are braindead retarded.

>>54904558
you don't take on debt when you pay off your credit card in full at the end of a billing cycle. I'm essentially doing the same thing except I've always paid everything I can on credit to get points back

>>54905525
>you don't take on debt when you pay off your credit card in full at the end
>when you pay off your credit card
It's amazing that you don't consider that indebting yourself.

>>54905792
Yeah paying off a credit card is simply repaying a short term loan, this individual is mistaken

>>54904558
You reek of an idiot. Its not my fault you can't understand what was being said. Maybe try to read between the lines and ingest the whole post rather than chop it up into out of context points to cry about. Choosing both is certainly an option brainlet. Parking extra cash at high rate for a month is good for anyone with cash that will be sitting for a month anyway.
>t bills are risky
Fucking idiot. Its doubtful you understand what is being discussed. You surely didn't understand the post. Why don't you go be retarded somewhere else. Adults are having a conversation here kiddo.

Buy Tbill to earn 5%, government prints more money to pay you back.

>>54888720

They skyrocketed for a reason. You be the judge.

>>54903599
checked
china and japan are the biggest holders of US debt right? so what happens if they both decide to sell a bunch (say, 1-5 trillion) at the same time

>>54905792
>>54906002
I mean yes, technically, putting any money on a credit card is putting yourself in debt, but if you have the intention and the means to ensure that you don't incur any fees or interest as a result of that debt then, in my mind at least, it's the same as making a purchase with cash. Except better, because you get points.

>>54892040
Are you retarded?

>>54900996

It's going to create more tax forms for me over $80 of capital gains

I have an interest in keeping my tax situation as simple as possible. If I have to complicate that these bonds might not even be worth it

>>54889043
i literally don't do any of the autism i see here and made more than 5%. just put some in and wait for earnings announce day or whatever random bullshit pump and you have it

>>54905233
Theres probably a few more months to hop onto TLT, I'm slowly building a position. This isn't really the main thing I track and invest in, it is a fairly low risk etf that offers a 2.whatever% divvy and has maybe 10% downside risk and 20-50%. Its not the greatest investment idea in the world, but as you have a larger portfolio and run into the issue of how to properly diversify TLT should play a nice role over the next year or two, that's my time frame