1 to 2 years US Treasury Bond ETF...With good option money??

[engineering]

And when it matures...

Auto reinvests for 24 months and then goes back to the chosen account.

I suppose the problem i seen with the ETFs is that they hold longer durations at lower rates. So I get the risk of actually seeing a decline in value if rates go up, and I'm rewarded for that with a lower interest rate.
I suppose I could make a tiny amount in those if interest rates go down. But if they're going down I want to be in stocks anyway.

 

[Cabin111]

Auto reinvests for 24 months and then goes back to the chosen account.

I suppose the problem i seen with the ETFs is that they hold longer durations at lower rates. So I get the risk of actually seeing a decline in value if rates go up, and I'm rewarded for that with a lower interest rate.
I suppose I could make a tiny amount in those if interest rates go down. But if they're going down I want to be in stocks anyway.

Is there a fee for the transfer?

I am 68...We have set up to have a trust department at a bank handle our accounts, when we are unable.

We are trying to consolidate operations...

PS Was thinking of that $35. at a credit union we aren't using, just in case...Ah, no.

 

[engineering]

Is there a fee for the transfer?

I am 68...We have set up to have a trust department at a bank handle our accounts, when we are unable.

We are trying to consolidate operations...

PS Was thinking of that $35. at a credit union we aren't using, just in case...Ah, no.

No fee that I've noticed. I set it up as a direct debit from a checking account. Every month the difference between the purchase price of a new bill and the face value is deposited back to my account.

You might be able to set something like that up through Schwab, but I like having the account via Treasury Direct.
With several brokerage accounts, treasury direct and a bank, that keeps my assets spread out so that a failure of a single firm is less of a nightmare scenario.

I originally was buying i bonds back when the rates were higher, but now I like 1 month treasuries.

Also note:
They sell 1 month bills every week. You can split your purchases into 4 chunks so that every week 1/4 of you cash is about to free up. That way if you need cash quick, you're not stuck waiting a whole month.

 

[metalztrader]

I have been buying 4 week Tbills as well. It is like a dream come true. I would think most major brokers would offer an interface to the auction but I can also see engineering's point of having some diversification of brokerage as well. On my brokerage account, you buy 4 week tbills at auction then they liquify at face value if you hold them to maturity with no fees I can see.

I did open a position in TLT when it got really hammered this week but that is purely trading price on the long end. If you want yield it is just hard for me to see buying something other than 4 week tbills right now but I would love the reasoning for moving out longer.

I did hear a macro strategy on the long end of just waiting until the Fed starts cutting next time. You will be late obviously but still catch a good part of the move. I just don't trade that way with being late and would rather be early. Since everyone believes rates are going up I would suspect much of that is priced in on something like TLT here with all the surprise loaded up in rates not quite going up as much as what is thought right now.

 

[engineering]

I took a look at Schwab and I could find the 3 month treasuries for purchase but not 1 month.

This inverted yield curve environment throws some conventional wisdom out the window. What's the point of a bond ladder when a longer duration is paying less than a shorter duration?
Do people really believe that the US government is going start balancing its budget and also stop bailing out insolvent state and city governments?

 

[Cabin111]

I took a look at Schwab and I could find the 3 month treasuries for purchase but not 1 month.

This inverted yield curve environment throws some conventional wisdom out the window. What's the point of a bond ladder when a longer duration is paying less than a shorter duration?
Do people really believe that the US government is going start balancing its budget and also stop bailing out insolvent state and city governments?

No...

But for my case, the ladder of treasuries makes sense to me...Keep it simple.