/biz/ - Business & Finance

It's a stable and better option compared to our current markets. I would just get a 1 year bill at 5.5% and then when the FED pivots late next year dump your shit into stonks

>>56216361
It's at that price, because the government is going broke. Same as rates were rising for Greece or Italy in 2010

>>56216361
would just get notes desu. this 30 year nonsense is fucked

>>56216406
>is going broke

That's impossible for a country that can print its own currency unlike Italy or Greece.

>>56216442
You cant fight inflation and print money at the same time. Ask Zimbabwe or Argentina.

>>56216361
If the Goverment can stay solvent long enough for the interest rates to go back to 0% it a great evestment. If the government can't it a bad investment. If any asshats say that the US government would never not pay up on their debt. Those same asshats said, the Titanic would never sink, right up to the point the ship hit an iceberg.

>>56216361
Wait until they’re at like 6% at least.

>>56216460
Neither of those countries have the world reserve currency.

>>56216361
lmao in 30 years they will give you enough to buy a loaf of bread.

>>56216460
Inflation is a different question from solvency. The only way for the US to become insolvent is if they let it happen.

>>56216493
Its not a different question.
If they print money then that justifies rising rates. If they go bancrupt then that justifies rising rates.
There is no good outcome here.

>>56216509
>If they print money then that justifies rising rates.
Printing money would be deflationary here, so no it wouldn't raise rates.

>>56216532
Fuck off, you retarded nigger. Go take a hike

>>56216552
You do realize that the debt is simply money printing right? With the interest on t-bills and bonds etc you are printing more money from nothing. If you pay off that debt then you are destroying money, therefore deflationary.

>>56216570
What the fuck are you even talking about? Go away arelady. I never heard such nonsense

>>56216595
Maybe you should go read up on Modern Monetary Theory. Every proper country in the world abides by it.

>>56216361
I bought a 2-year Tuesday at 5%, yield was 5.09%. Otherwise been buying 6 months and less for about 5.5%. I think it’s gotta be over 5% to be worth going long because the EE savings bond doubles after 20 years, so that’s like 5% I guess not compounding. Don’t feel like doing the math

>>56216570
When Andrew Jackson destroyed the national bank the USD went into a deflationary period all the way up until the creation of the Fed almost 100 years later. 1 USD in 1800 was worth more than a dollar in 1913 for that reason

>>56216361

I can almost get a risk free interest rate that is more than my student loan debt interest rate. Surely I can ladder T-bills and do some kind of jewish money magic here?

>>56216361
You should take the KAVA pill instead, faggot

>>56216718
I will never you idiot, fuck off

>>56216595
>Arelady
I almost fell for it Kumar, good luck next time

>>56216718
No, we're not even talking about crypto ITT you retard

>>56216718
I'll do on February 30th

How does Money Market work? Do they pay out every week or every month or every day?

>>56216361
>t bill
>30 year Treasury
The 4 week t bill is over 5%
T bills are 52 weeks or less

Update your thread creating robot.

>>56216461
the dinosaurs thought they were invincible too. kept saying shit like "we're going to live forever" right up until a meteor wiped them out. bam.

>>56216679
That had more to do with metal than debt. Not the same situation.
>>56216704
>ladder
No need. The rates are so high right now you can just all in the 4 week. It matures on day one of the next fed meeting. You can buy the 17 week one the next day, or the 4 or 8 the day after. The least you'll get is 5.3% (apy).
But more importantly you won't lose any money.

>>56216786
I literally called vanguard and asked them this yesterday.
It's accrued daily and paid monthly. At vanguard at least. If imagine yours is the same.

>>56216786
>>56216880
It's the same with Fidelity fwiw because I dump crypto cashouts into a Roth IRA every year

>>56216838
Why help these retards?

>>56216461
>Those same asshats said, the Titanic would never sink, right up to the point the ship hit an iceberg.
The titanic is unironically the best metaphor for this fake propped up mouse click money economy. It’s a sinking ship and the (((elites))) are stealing the silverware on the way down while telling us everything is fine

>>56216361
government will have to print to pay the interest on the debt and maintain spending on defense, healthcare and other programs. interest rates are going much higher.

>>56216880

So lets say you put in $100k tomorrow, you'd get 5% interest for 3 days of this month and on Sunday (1st of October) you'd get your $100k back + interest or just the interest and your money rolls over to the next month?

>>56217004
You might be right but the fed has only continued to hike after a pause once in its 100+ year history so it would be unprecedented

Why do anons always say that the people in charge would crash / are crashing the economy on purpose? Wouldn't it be in their best interest to keep the gravy train running?
Or are we implying that they're incompetent and they've lost control of the situation

>>56217104
>Wouldn't it be in their best interest to keep the gravy train running?

No if they (deflationary/conventional) crash this bitch they can swoop in and buy assets and securities CHEAP while profiting off shorts/puts.

If they lost control of the situation we'd already be in hyperinflation ie a total loss of control

>>56217104
The boom/bust cycle is part of fractional reserve capitalism but also they get to slurp cheapies to dump next time they fire up the money printer. Poors don't get to time the market.

>>56216461
Is this graphic just cope for holding less than an ounce of gold?

>>56216915
Maybe OP had a stroke? If that fag dies we lose one of the 10 people who posts here.

>>56216386
I wouldn’t dump into stock, I would buy bullion. If the fed cuts rates at all we’ll hyper inflate guaranteed regardless of reserve currency status because the fed interest payments are ludicrously high already

>>56216869
>No need. The rates are so high right now you can just all in the 4 week. It matures on day one of the next fed meeting. You can buy the 17 week one the next day, or the 4 or 8 the day after. The least you'll get is 5.3% (apy).
>But more importantly you won't lose any money.

Based I'll take a look thanks for the reply. Even Coinbase is offering a flat 5% on holding USDC right now which is awesome. My student loan rate average is 5.6%

>>56216361
>yes goy, stake your USD shitcoin. the longer the lockup period the better. what could go wrong?

>>56216361
Several banks just went bankrupt betting on TBills and had to be bailed out. The same thing happened to private holders, they did not get bailed out.

>>56216461
>actual planetary wealth

>>56217427
Bonds not bills

I'm not even 30 and know about bonds. Is this place really for discussion of business and finance?

>>56216361
Too risky, if you want to ape go for the three year option and reinvest your APR as you receive it

>>56217355
Pmg fags have been saying this for years. No one is buying your rocks

>>56216361
does this mean you would get 4.7% every year for 30 years guaranteed?

if so, can a non burgers get in on this?

>>56216386
HIGHER FOR LONGER

>>56216480
Neither will the usa, unless they pull a 150iq move and legitimate eurodollar stablecoins like usdc or tether.

>>56218300
>I get my understanding of geopolitics and macroeconomics from Twitter
There's no way you and I are both in the same asset class

>>56217842
Only need to be right one time for you to be eternally btfo’d

All these mutts ITT thinking the US is this unsinkable ship is wanting me to buy shorts asap

>>56216488
pretty much this

>>56218048
yeah but taking a 30 year bet on currency rates and inflation is inherently very risky

with that said if you look at USD vs thirdie currencies over the last 15 years they have lost somewhere between 2x - 5x
so if you just held cash dollars from 2008 to today you would have been better off than investing in their stock market or buying real estate in their capitals in terms of purchasing power

so t-bills are USD cash + 5% yield - taxes and if the future is anything like the past it seems like an excellent opportunity

What's the pros compared to a simple cd account
Wells faggot is giving 5month 5% CDs right now

>>56220173
The 6 and 4 month t bills are 5.5%. Also banks typically require a checking account or other thresholds to qualify for their high rate

>>56218377
History class
>Look at all these nations & kingdoms that ate shit and died!
Finance class
>"So a long term U.S. treasury bond is considered a very low risk asset by the markets, therefore blah blah blah"
Dude, LMAO

>>56216361
>t bills fomo at the top

>>56217104
Because they are poor

>>56219358
thanks

>>56217421
kek

>>56220173
look at the apy below 5%

>>56216472
this

>>56218048

buy TLT

>>56216361
the last gasp of a dying empire

>>56217104
Its a mix of incompetence and corruption

>>56216361
>should I fall for the lies published in media to trick goyim into locking their money into a long term "investment" which actually burns up the value of invested money slowly over time so that your "investment" returns less than half of the purchasing power that was originally put in because it's only like 4.20% while inflation right now is over 14.88% and growing with no signs of ever slowing down and all indicators show unchecked growth of inflation so bad that inflation will be about 150% in 10 years?
Shiggy Diggy.

>>56220173
no state taxes

>>56217021
Sorry, I was at work and couldn't reply in time.
Here's how the 4 week works:
The interest is back figured from the competitive bid. The big players bid on a discount price. In this case it was $99.59 (rounded to the nearest cent.)
You give your broker or Treasury direct $100. You immediately get back 41 cents. You get $100 in four weeks. This is the equivalent of 5.4%apy.
It's not perfect, but it has two advantages. You won't lose money, and you get your interest up front.
I bought 1000 last night. I got a whole $410 to tie up a hundred grand for a month. Allegedly you won't lose much of you have to emergency sell them, unlike CDs.
This is still better than gold, silver, CDs, or the bank. With the state of the economy, there's not much safe and 5%+ is way better than nothing.

>>56216361
If I was a boomer with 20-30 years left to live and had 1 million to spare I might do it. Nice little guaranteed income stream

I should also mention that vanguard's settlement fund (VMFXX) is at 5.29%, so if you have at least $3k you can just put it in a brokerage. They are pretty desperate to keep you from putting your money elsewhere rn. I'm sure the others are offering competitive rates.
You can get a little extra from t bills right now, but I wouldn't go long. I'd want to keep it liquid long term to slurp the dip when it happens.

>>56217842
If gold drops below $1600 I'm picking up at least an ounce, maybe more. You don't want too much because of two things. The spread and not everyone takes it. A little is good to have. Not worth the premium in ordinary circumstances. One ounce bullion coins. No memes, no bars. You'll get fucked on the spread any other way.

>>56216460
Argentina owes its debts in a foreign currency. All US debt is held in dollars

>>56216361
You will underperform inflation

>>56226004
Not really. Inflation already happened. The inflation they are reporting is just then catching up TIPS and Ibond payments. My costs aren't going up 5%/year. Only stupid goyproducts like 20 oz sodas and movie tickets are going up like that. My flour, salt, and beef costs are basically the same as last year. Gas goes up and down, and at least here energy costs have been pretty level.

i got locked out of my treasurydirect account somehow

now i have to call them to unlock but they wont answer the phone. typical government

>>56217842
i wonder what makes /biz/ so angry at precious metals

>>56226001
Argentina is white so no excuses!

>>56226001
What does that have to do with money printing being inflationary, you doofous?

>>56216361
>30 year US government bills are at 4.7%. Crazy.

Yeah, crazy low that is. Think about it: how hard do you think it would be to, over a 30 year period, find an opportunity to net 4.7% in USD terms? Or to find MULTIPLE opportunities that collectively net 4.7% in USD terms...over 30 (thirty) fucking years.

>>56216952
Fuck does that mean PMG are the ones smart enough to get the life vests and get into the boats?

>>56226271
Because you can pay off debt by printing. It cancels out. You can't do this if you owe debt in a foreign currency. The dollar is based on debt. Paying debt makes it disappear and shrinks the supply. The amount of federally printed debt fiat is tiny compared to the money banks create from loans.
Stop believing you understand things. You really don't.

>>56226356
No. PMs are good black market currency. They are shit in a crisis.
Everything you think you know about money is wrong.

>>56226391
>Paying debt makes it disappear and shrinks the supply.
You're fucking retarded
The money doesnt disappear
There is someone on the other side being paid, you nigger

>>56226423
Sorry, but you don't understand what a "dollar" is it how it's created. It is literally debt. It's not oil, it's not gold. It's an I.O.U. from the federal reserve. If you hold a dollar, what does the federal reserve owe you? A dollar? It's all literally imaginary. You're paying off an I.O.U. with an I.O.U. It's an infinite regression.
You are the poster child of Dunning Kruger. You don't know shit but what you've been conditioned to believe.

>>56226585
If you print a trillion then someone else gets that trillion.
Stop talking to me, you retarded nigger

>>56216361
Better spin that freebitco wheel, 30x awaits right the very next second

>>56226620
Whatever, you broke, stupid, piece of shit with no life, no friends, and a shit job.

>>56225991
Eagles and Buffaloes are the best because as they are actual US Mint coins with USD denominations, fakes are considered counterfeiting and the US Secret Service will be on that ass for a federal crime

>>56226620
>If you print a trillion then someone else gets that trillion.
Genuine retard here.
All it takes is for the fed to issue a trillion dollars and buy the equivalent amount of U.S. Treasury bonds with it. Guess whom the U.S. government will pay that money back? The Fed. The Fed and the Treasury have the means to de-monetize the entire U.S. economy thus driving inflation into deflation zone. But guess what, even if the inflation is sky high in the U.S. (which is almost impossible unless the cost of imports outpaces domestic production and delivery costs), the rest of the world still has a high demand for U.S. dollars. No matter how broke you think you are, the rest of the world is more broke.

>>56227995
Did you just change your VPN to say the same stupid shit?

>>56225873
This is what I do with 20k.

get about $80/month from it and the money is never locked up for too long, so i can choose to reinvest or change the amount.

>>56228113
I'm currently 30k in 4 and 8wk t-bills, 10k cash, 50k stocks, 80k physical precious metals.

>>56216361
People choosing Treasury Bills over housing are retarded.

All of the treasury gains are taxed, so the 4.7% rate is effectively a 3.5% rate.

From 1980-2011 (housing crash low), the average rate of home price growth was 4.7% per year This doesn't include the rent collected over the time. Rent is roughly 7% of a home's value per year (varies). Pre-Tax you are making 11.7% in a bad year.

>but muh property taxes

They are 1% and you get to deduct them

>but muh maintenance/repairs

Budget $2000/year, they're also tax deductable.

So now you're down to maybe 10% ROI. But you get to deduct property taxes, maintenance, and repairs, AND 3.6% of your home's value each year via depreciation.

Once you have 250k in gains, simply make the rental your primary residence for 2 years, and you can sell it tax free.

>>56217355
lmao

>>56228603
>you get to deduct them
Not on investment properties. Just your primary home.
>retarded
I'm waiting for the price to go down. Then I'm going to buy rental properties. Maybe.
That's the beauty of it. I can wait and my money (mostly) keeps up with "inflation."
>>56228012
>vpn
No, you're just wrong. Someone else bothered to explain it to you. You're so unwilling to believe you could be wrong you're making up shit.

I don't get why this is a good deal. Inflation will make it worth way less anyway. How is this different than any farm shit pin that promises insane high APY in their own no max supply shitcoin?

Yeah okay the stock (or crypto) charts might look bad now but at least it's likely that if you buy legit sto KS they will be worth more in say 10 years then now. No way that some 4 point something percent on dollars is going to give you more value in purchasing power

>>56216493
>let it happen
no, when the illusion pops the value goes to zero. see: NFTS.

>>56220244
1) centuries vs lifetimes
2) What's lower risk than government bonds? Everything depends on the stability the government provides, if that blows up so does everything else.

>>56217355
So you're gonna dump your money into the gold jew which is volcano insurance plan on an event that has never happened to the US in it's entire existence? This is the advice I come here for

>>56226313
Pretty much. I’d rather bet it all on sp500, I’m not retiring anytime soon

>>56216493
ahh sweet american delusions as everyone watches the long bond behaving like a shitcoin

>>56226001
yah thats why its being dumped and t bill rates are rising. do you know what you are even saying?

>>56216488
this. you will get back money that will buy more than 50pct less. its a scam. if you even consider a 30 year bond you are actually retarded. very retarded.

>>56216361
sm1 tell me how much im getting every year if i invest 20k into them?

>>56228603
>From 1980-2011 (housing crash low), the average rate of home price growth was 4.7% per year

in summer 1981 you could get 30 year treasuries at 15% interest. 1981-2011 and you get 15% every year. 15% > 4,7%

granted you could not get leverage like you could get in the housing market. but dealing with rental properties can easily become a full time job, bonds just deposit money into your account

>>56229802

>>56232706
This is correct however tax rates were stupidly high so you weren't actually receiving 15%. Highest tax bracket was 70%, today it is 37%.

I don't get it

Lock up your money for 30 yrs for 4.7?
Wtf?? That sounds terrible

>>56233043
thats 4.7% annual, every year for 30 years risk free,

>>56232851
>may include
I'll have a look at the exact code. Thank you for bringing this to my attention.
>t.was living check to check until last month. Learning this on the fly.

>>56226313
This option is not for get rich quick /biz/tards bro.

This is for people who have made huge fortunes already and want to de-risk.

A 40 year old with 10M in assets can put this into T-bonds, and get $477k per year until he hits 70. Risk free and taxed at the lowest possible bracket you can for income at that level. Crazy.

I'd take that in a heartbeat if in that position.

>>56217104
it was always going to crash, the elites want to control the crash in order to milk it for all its worth

>>56233107
>for 30 years risk free
nigger there won't be an america in 30 years

>>56216361
>4.7
>Crazy

>>56232489
Ok retard I’ll spoon feed you. 940 a year. 2.57 a day. You will have to pay taxes in that also.

It’s a decent deal but over 30 years? Sp500 has historically done 10 percent over that long of a time frame. It only seems worth it when you have millions, not tens of thousands.

Just to help you in the future you take the percentage and turn it into a decimal. 4.7% is the same at .047. You then multiply that by your 20k to get the answer

>>56234396
>2 more weeks

I see, you came back, you retarded nigger
"Quantitave easing" is directly used to fight deflation, you fucking subhuman insect
Because printing money is inflationary. Now fuck off, you idiotic cunt

>A policy termed "quantitative easing" was first used by the Bank of Japan (BoJ) to fight domestic deflation in the early 2000s.
>QE of at least €1.1 trillion. Mario Draghi announced the programme would continue: "until we see a continued adjustment in the path of inflation", referring to the ECB's need to combat the growing threat of deflation across the eurozone in early 2015.
>In the Eurozone, studies have shown that QE successfully averted deflationary spirals in 2013–2014
>Ben Bernanke remarked in 2002 that the US government had a technology called the printing press (or, today, its electronic equivalent), so that if rates reached zero and deflation threatened, the government could always act to ensure deflation was prevented.

https://en.wikipedia.org/wiki/Quantitative_easing

>>56235967
Meant for here.
>>56229802

>>56235967
>calls me retarded
>has to reply to own post because he was too triggered to reply when writing it
>links Wikipedia QE Page
>autistically copies it as greentext
>imagines this proves shit
>forgets QT exists
>basically manages to both prove my point (that they can control inflation at will) and proves that he's even more retarded than we thought
Thanks, anon! I needed a laugh.

>>56236091
I copied the statements of the central banks themselves, that QE is inflationary, so even a retarded nigger like you would get it.

>printing
That word needs to die. Nobody "prints" in a fiat system, this isn't the middle ages with a royal mint

>>56236114
You say "nigger" a lot. Show me on the doll where he touched you.

>>56236189
Kys nigger, you are both faggots

>>56216361
No. It's that high because the stock market is such a great opportunity. No one sane would buy t-bills when NVDA is guaranteed reach and surpass Apple's market cap in the next 10 years. Yields need to be much higher to get people to buy bonds.

>>56236180
I'm glad you said that. I'd like to further point out that "printing" at the federal level is tiny compared to the (formerly) fractional reserve lending created cash.
>t."formerly" because the fucking reserve rate is ZERO now, =D
Also, we've been off the gold standard for fifty years, but people still talk like a true bank run is possible when there's no finite commodity to force it into reality.
>>56236204
(you)

>>56236226
>t-bills
The OP is a 30 year bond. Bills are 52 weeks and under. As I've been saying, they're a great deal if you're just holding cash for the crash. They are keeping up with current real inflation (not the catch up "inflation" that's only real definition is TIPS and Ibond payments.)

>>56236180
Okay.... "lent into existence" is a much easier thing to say. Colloquialisms are handy.

>>56236272
>3 month yield is 5.32% (annualized)
Yeah not worth the opportunity cost of not being all in big tech during that time. Maybe I'd be interested at 20%.

No company will pay 5% for 30 years. This is unfair to stocks!

>>56236242
>the fucking reserve rate is ZERO now
Its 10%. The china flu bail out scam was wrapped up nearly 2 years ago

>>56236283
Its the truth, instead of obfuscation with being a lazy speaker

>>56236189
Why wouldnt I call you a stupid nigger, if you obviously are one?

>>56216361
4M is at 5.6, wouldn't it be better to just hop in and out of those until the longer ones catch up?

Don't mind me just saving the economy

>>56236334
Link?
>10%
I'm going to call bullshit. It's never been a whole number in my lifetime.

>>56236932
Lol, I have that too, but ⅓ of it is in an IRA.

>>56216361
Its going to be below inflation. Take short dated treasuries.

Remember recent history anon. Banks went bankrupt by betting on US treasuries, and got bailed out. No bailout for retail.

>>56216361
ponzi scheme

>>56237063
It's not a ponzi scheme when the free world has to buy your stock to buy oil and pay taxes.

>>56237106
scammer

>>56237142
How do I personally benefit from pointing out the obvious? You think the federal reserve has me on commission?
What would they pay me in, if dollars are fake?

>>56236334
Ok, you lying kike, show me where it was set back to 10%?

It wasn't because its open season on inflation and (((fractional banking))) is dead.

https://en.wikipedia.org/wiki/Reserve_requirement

inb4

>wikipedia

>>56237210
What are the implications?

>>56216361
30 year treasurys are not t bills you tard.

Just hold SGOV or SHV and you can get the yield without dealing with buying the bonds directly which is a pain in the ass IMO

>>56232706
>1981-2011 and you get 15% every year
Not completely true. In the early 2000s the US gov canceled and paid off early those high rate bonds. I can't remember where I read about it but it was on a .gov site. Do some research if your interested. You'll find the gov can cancel and pay back treasurys whenever they feel like it. It's rare but has happened.

>>56233107
You're too poor to understand. If you were worth millions you'd understand.

>>56237366
Checked. The implications are that the banks are now NOT required to hold back any of the cash that is deposited with them. When we had a limit of 10% minimum reserve rate, this meant that 10% of all cash taken in was reserved in case anyone wanted to make a withdraw. This is to try and prevent a run on the banks. Now, they are not required to keep any cash on hand so when they inevitably lend out all of their money, they will not be able to give out any money to depositors who attempt to withdraw their money from the bank. You can imagine what kind of chaos this will cause.

Not only is the prospect of banks failing more often a real possibility. Banks now will lend out every dollar they have and they can lend that money to other banks. Those banks with their newly lent dollars can lend it out to more banks. Gee, look at all these new dollars that are created when we keep lending out the same dollars.

This process is how the Federal Reserve creates more dollars out of thin air and why inflation is so high, because there are more dollars on paper than there are actually printed by the Treasury.

https://www.investopedia . com/articles/investing/081415/understanding-how-federal-reserve-creates-money.asp

Look at what happened with Silicon Valley Bank six months ago.

https://archive . ph/qbzbG

Expect to see more of these stories in the near future.

>>56237940
Sorry. I had to break up my links because they were being detected as (((spam))).

>>56216406
if you think the US government will ever "go broke" you're retarded

I buy mostly 6month - 12 month notes. Fun fact, most brokerages will allow you to use the treasuries as collateral for trading, so if you have $100k and you buy $100k in treasuries, they'll still credit your trading account as if you have $100k in cash so you can still trade as if you held all cash. If you overnight stocks you'll have to pay borrow fees I'm pretty sure, but if you intraday trade it's not an issue. So it's pretty much free yield.

>>56233107
>>56234436
How is that interest paid every year? Is it compounded, do you receive a check (like a dividend), or some other way?

>>56216509
They could raise taxes actually. You doomers always forget that the government has a ton of other policies beside interest rates and selling bonds.

>>56218048
Yes that's correct and if you are a foreigner you buy the bond with usd and get usd. If I were a thirdie I'd only do crypto and us bonds.

just stake HEX you fucking morons

>>56225949
>vanguard's settlement fund (VMFXX) is at 5.29%
It also has an expense ratio of 0.11%, which is low of course, and it's subject to both state and local taxes.
Just buy T-Bills and cut out the middle man!

>>56225873
>better than gold.
>I got $410 to tie up one hundred grand for a month.

Lol.

>>56218331
It's fairly safe to assume anyone talking about crypto is a third worlder.

>>56216386
But if you buy a 30y 4.7% and they dump rates you can just sell your coupon for more $$$?

it's literally win win unless they keep on increasing the rates

>>56242056
>+5.4% vs. -4.6%
Lol indeed.

>>56217355
No they aren't. They haven't even hit double digits yet. Zoomers only live in their lifes time scale.

>>56242056
>+$410 to tie up 100k for a month
>vs -$5k with 100k in Gold for last month

hmm...

>>56226423
>The money doesn't disappear
It does. It destroys it into non existence. Banks create money from literally nothing, and when you pay the loan back the money gets destroyed. Check out some YouTube videos on money destruction.

>>56244562
>>56244638
not to mention it's not really 'tied up' unless you are buying via treasurydirect. as another anon said if you hold bills in a brokerage account it will likely be treated as cash-equivalent if you still want to trade stocks, or you can sell the bills before maturity if

Ironically I'm probably going to buy gold with the interest when I feel gold has hit the bottom. IDC if I miss it tho. I'll just buy something else, lol.

>>56244642
You're wasting your time. He's convinced he's right and will just call you a nigger.

>>56224308
>>56226271
>>56226423
>>56226620
>>56228012
>>56235967
>>56235978
>>56236114
>>56236511
>>56237366
>>56244642

>>56234214
Ding ding ding. Someone gets it. This is where even if you're just a fag with a few 100k you can place 100k and literally make free money and the coupon can even fuel other investments.

I'm confused

Lock up money for 30 yrs to get 4.7% apy?
Banks are offering 4.5 to 5% without locking up your money

>>56246518
I'll be dead in 30 yrs anyway

lol

>>56217842
Ikr.
Argentinian here, our currency depreciated 99% in a decade against the dollar and yet no one here wants gold as currency.

>>56218048
Depends, does your country offer a multi currency bank acc? If it does, look into fixed deposit options on the USD account.

>>56246518
Which banks are offering 4-5% APY for USD deposits?
I know most weak currencies offer 5-9% APY on their weak currencies because they inflate 10+% YoY.
Not sure there are any banks that’d pay you 5% on USD deposits.

>>56248318
>Which banks are offering 4-5% APY for USD deposits?

Because the US Prime Rate is 5.5%, many banks are able to offer APYs close to that for CDs at almost all price points. Just Bing! your local bank and I'm sure you'll confirm it.

>>56248318
If you've got at least $3k, just open up a vanguard. They're paying 5.3 in the settlement fund.

>>56248318
>>56251740
>vanguard. They're paying 5.3


T-Bills are up to 5.5%. see pic
>https://www.treasurydirect.gov/auctions/announcements-data-results/

>>56248318
>>56251740
>>56251959
Also, with Vanguard, they take a small fee and then you have to pay both state and local taxes in addition to federal. With TreasuryDirect, you eliminate the middle man so no fees, plus there's only federal taxes.

>>56251959
>>56252012
Yes, I addressed this earlier, but this is a no brain solution.

>>56216361
Nvda up almost 300%. All big tech was 30%.

Boomers: muh 5% divvy

Lmao

>>56252041
>Nvda up almost 300%
Timeframe for that 300% What is that annualized? What was the risk? Oh, it could have went to 0?!?

I guess you got in early on that sweet NVDA action and saw 500% gain, right? You knew it was going to go 500% before it did, right?


You're either a child or a poo. Either way, let the educated men make rational financial decisions while you gamble daddy's allowance.

>>56234214
putting 100% of 10M into TLT is an extremely high risk bet
with high inflation you could lose everything

>>56216679
The deflationary spiral was due to a glut of silver in the mid 19th century and the creation of the silver trade dollar to get the surplus out of the country. The deflation in the 1870s was due to tje US government pukking greenbacks outnof circulation.

>>56216461
>iceberg
ngmi

>>56217064
They are pausing so the crash can play out or so they can cause it with a huge hike. The goal is to slaughter the most bulls possible

>>56216461
if the US government defaults completely, no amount of gold is going to save you.
if you're concerned about such a scenario, you should be investing in off-grid communities, infrastructure, and weapons to protect everything

>>56248318
>Which banks are offering 4-5% APY for USD deposits?

Banks in this region offer between 1-4% for USD if I was looking for anything bigger I would go with stablecoin yields.

>>56218048
Yes. This is another gift from President Powell to the ultra rich. $10MM deposit gives you $477k tax free (state) for 30 years risk free. All these anons who say its high risk are just Russia /pols/ doom mongering. If the T-bills go to zero we are in Mad Max territory economically speaking. Your crypto assets / gold / equities will be meaningless.

If you are sub 7 figure net worth, I would recommend starting a business instead with the money. You'll never catch up to the rich playing the T-bill game.

>>56225033
This applies only to T-bllls. Standard bank normie interest rate IS taxable. Don't hate, just speaking the truth.

>>56226193
>My flour, salt, and beef costs are basically the same as last year. Gas goes up and down, and at least here energy costs have been pretty level.
This simply isnt true
Everything is ~80% more expensive that in 2019, including the basics

what's wrong with investing my money into TTTXX and getting 5.22% Other than maybe supporting BlackRock.

>>56258359
In 30 years that $477k will buy a cart of groceries if you're lucky.

>>56256713
>if usd collapses gold is worthless goy!!!
okay kikel

>>56258503
I like doom-maxxxing as much as the next guy. But with boomers mass retiring over the next decades, we are heading into a period of capital scarcity. Assuming 18% returns YOY with equities is cope. A rich dude with $10M in 30 year T-bill THAT HE CAN PULL OUT AT ANY TIME CONSEQUENCE FREE is perfectly positioned to react to any market unicorns YOU SEEM TO BE COUNTING ON.

Also a rich guy making $477k per year tax free can spend that money on moonshot investments risk free. Its like having monopoly money.

There is not a single smart rich guy in America who doesn't have large T-bill exposure right now. NOT FUCKING ONE. They're not all stupid.

>>56216361

It is causing a negative effect on the metal market because it adds more value to the dollar which is also killing all the other currencies. People should be reminded that t bills are just IOU's from the us government ... if it failed or collapsed or defaulted on it's debt you get nothing back. So don't go 100% all in on tbills while the Ukraine Russia thing is still going on

>>56258249
>I would go with stablecoin yields.

We have this before with Anchor so I would rather stick with banks can't afford to shoot myself in the foot.

>>56258749
>We have this before with Anchor

That's what happens when you opt for Centralized entities, for what it's worth it's only logical to diversify across multiple yield farming pools with SpoolFi that way you get to manage your risk properly.

>>56216361
4.8% still not buying your centralized scamcoin

>>56258610
You're correct in your premise but sound like a retard calling 30yr bonds bills

>>56258565
it's not worthless, it just won't be a priority for anyone except those who can get on a private jet and go elsewhere with their gold stash. even then, you have to find a buyer who won't rip you off

>>56261547
Ok bro. 30 year TREASURIES!

You're an idiot. Everybody knows what I am talking about.

>>56258389
>last year
>2019
Maybe /biz/ isn't your thing

>>56262334
Nah, why commit to a lower rate for 30 years when you can get a higher rate right now with no commitment?
It's Freudian. You said bills because bills are the better deal right now.

>>56216460
Baby's first economic.
Power makes you immune to this shit.
The USA is the number 1 army.

>>56216361
No you should stop all investments now and do some fucking research. Max TBill is 1 year.

>>56262558
>The USA is the number 1 army.
The Taliban is the number one army. It beat both the US and Soviet Union.

>>56262539
Well because in a year from now you might not be able to get a 30 year guarantee.

Again, this is isn't for return maximizing anon. Most of this board is dopamile chasing crypto shit coin scammers looking for their next high. A wealthy 40 year old with $10M net worth is not looking for 30000000% Returns year over year.

If you can cover all your living expenses by a factor of 2x with 30-year treasuries at 4.75%.... give one good reason to invest in anything low risk.

Its why rich people WHO STAY RICH have irrevocable trusts, lawyers and accountants. Once you've made it you de-risk.

OH boy.

>>56237940
Reserve rate is 0. The function now approaches infinity. They can create infinite money from 1 penny.

>tfw it’s the Jews

>>56252028
>my solution is to help people lose money
You aren't helping anyone besides banks, corporations and the government fuckhead.
Using treasurydirect is easy. Once an account is setup and connected to a bank account buying tbills can be done in 5 minutes while laying around on a couch in your underwear. When the tbills mature the cash goes backn to the bank account automatically. It's really that simple. Five minutes a month is all it takes.

>>56258445
Paying middle men
Paying more in taxes

>>56258626
>dude in two weeks the us gov will like just fail

If you buy a 30yr tbill it'll lose value when the interest rates go higher, which seems more likely than not. If you want yield, get into a money market account.

>>56218300
>>56218331
What coins/tokens are you guys holding?

>>56258610
there will be very high consequences though if rates keep going up, all those banks failed because they held Tbonds and rates went up making them worthless

>>56220173
You need to pay state income taxes on CDs

>>56263919

why the hell were banks buying long term 1% treasuries?

>>56216704
Not really a ladder but you can buy a 4 week t-bill every week with 1/4 your spare cash.

>>56264814
Banks were sure that Powell was going to Pivoot and they'd make phat loot on their bad financial decisions

>>56216406

what bubble? U.S Government will never go broke. Never.

>>56263433
If you need the cash you're fucked. The interest is so small it's not worth it. You can liquidate it for virtually zero cost on a broker. It's very hard to sell from Treasury direct.
>>56262710
And this applies to no one reading this thread.

>>56262334
No. It’s a topic where people presumably have real money at stake. Have a clue what you’re talking about

>>56263075
It's always the >jews

>>56263515
??????????
what do you think mmfs hold

>>56266184
Money market funds invest in very short-term debt - like maturing in less than a year - not 30-year Treasurys.

>>56248318

Sofi is paying 4.5% on their savings.

>>56248318
There are some high-yield savings accounts paying 5% interest at the moment. UFB Direct, Popular Direct, and Newtek Bank offer 5.25%.

>>56266242
unless you need the liquidity, just buy t-bills instead and make more. I do a 3 month ladder.

>>56266505
That's reasonable. And you don't have to pay state taxes with T-bills.

>>56264814
Bank regulations incentives buying government bonds, they can assume full face value for them on their balance sheet when normally they have to assume a 20% decrease or some shit like that.

>>56216442
>>56238024
>>56265054

So we can just keep up the infinite money cheat forever and things will just work out because they always have before?

KYS retards

>>56265920
>i watched a youtube video about gold and now i'm an insufferable BTC maxi financial expert

>>56234214
You can make more on that in stocks or forex. Seems like its for billionaires who don't care about getting a few hundred million every year

>>56237042
how does this even happen? Did they borrow the money which got liquidated after a certain price was reached?

>>56268278
no, there's two parts 1) banks don't hold your cash they hold assets and make loans. the liquidity/health of a bank is judged by its balance sheet ie assets and loans vs deposits. when their assets decline significantly in value it calls into question how much of their deposits they can really back 2) they may need to borrow money *against* their bond holdings which are now extremely depreciated

>>56268278
they bought long dated treasuries and then interest rates went up, so the market value of their bonds went down a lot

however US banks don't need to record bond market losses on their balance sheet, so some banks kept these losses hidden and kept operating until they made too many losses and couldn't meet withdrawals

>>56268557
yes but how does that lead to bankruptcy? A one or two percent increase in yield cannot lead to a 90% reduction in the bond price? or does bankruptcy mean that the bank can't cover at least 100% of deposits?

>>56268595
look at TLT to see what happened to the market value of long term treasuries.
they had a big mismatch between assets and liabilities and then experienced a bank run. once they realised they couldn't meet the withdrawal requests with their liquid assets they declared bankruptcy.

>>56265097
Maybe. However there are some rich anons who come here for the lols. For example, during the Covid panic in 2021, some anon named Anthony was shorting the SPY with some big bets and posting his balance in real time. Dude made like 2.7M in a week. No way he was faking it either. Lord klnows what he is doing now.