1. Extreme euphoria (Not even close)
2. Unseen world crises like a Iranian Silkworm missle hitting a US tanker in the gulf (Mostly impossible to predict)
IMHO the market continues to "climb the wall of worry". [Reply]
Originally Posted by Groves:
Been teaching my kids about compounding interest. With rates these days I can’t even expect them to get excited about interest from their savings.
Not really wanting to put money into indexed funds.
Where does one “shop” for fixed rate investments?
Sent from my iPhone using Tapatalk
CD's are your best bet then.
Ally bank online has competitive rates and some no penalty CDs for low entry cost. I'd look there. [Reply]
Originally Posted by DaFace:
My savings account is at 2.1%, so it'd take a lot of money for the difference to add up to much. I'd rather have the liquidity.
Originally Posted by lewdog:
I have my brokerage account through TD Ameritrade and realized I have never checked there for CDs.
Sure enough, a simply 3 month CD pays 2.3%. This seems higher than I expected. What am I missing?
A 30 day tbill from the gov is 2.4x rn and not eligible for state/local taxes. 3 months is nearly a savings acct so that seems fine. My Ally savings is 2.2%. All the new online Banks are temporarily topping wherever Ally sets their rate. Marcus by Goldman Sachs is 2.25. I have a Citi CC and when I login to their site, I get bombarded with pop ups for Citi Accelerate savings @ 2.36%. [Reply]
Originally Posted by ChiliConCarnage:
A 30 day tbill from the gov is 2.4x rn and not eligible for state/local taxes. 3 months is nearly a savings acct so that seems fine. My Ally savings is 2.2%. All the new online Banks are temporarily topping wherever Ally sets their rate. Marcus by Goldman Sachs is 2.25. I have a Citi CC and when I login to their site, I get bombarded with pop ups for Citi Accelerate savings @ 2.36%.
Dang, that's good info. I looked up the 30 day T bill on TD and you're right, 2.4. It says taxable though, which is fine. [Reply]
I'm contemplating changing employers, is there a consensus best strategy for handling an old 401k? If I'm able to and like the investments, is it best to roll it into the new employers plan? If that's not possible, roll it into an IRA? Leave it? I've been contributing to it for 12 years so it's a decent chunk of change. [Reply]
Originally Posted by KCUnited:
I'm contemplating changing employers, is there a consensus best strategy for handling an old 401k? If I'm able to and like the investments, is it best to roll it into the new employers plan? If that's not possible, roll it into an IRA? Leave it? I've been contributing to it for 12 years so it's a decent chunk of change.
Roll it over if you like the options at new employer.
If you don’t like the options do an IRA with an institution that has funds you like (Vanguard). [Reply]
Originally Posted by lewdog:
Roll it over if you like the options at new employer.
If you don’t like the options do an IRA with an institution that has funds you like (Vanguard).
Good to know and is what my initial thought was. My 401k is with Vanguard so should make the process easier if I decided to roll it into an IRA. [Reply]
Originally Posted by Nightfyre:
Guys, talk me out of going short Boeing ahead of earnings. I am pretty sure their guidance is going to result in a bloodbath
Y'all suck. I am in for Boeing puts at 360. I went full r/wallstreetbets. Send me those good vibes. [Reply]