What is Your Favorite "Safe" Investment : CDs, Online Savings, etc...

Robert Morse said:
I have been using TreasuryDirect for a year and love it.
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I closed out my Treasury Direct account couple of years back. Website was clunky, logging in with digital keyboard was hassle for me. It locks out after couple of attempts, then dealing with customer service was nightmare for me.

Converted Paper bonds to digital, it took forever to show up. I realized if something happen to me, my wife who is computer illiterate won't deal with all the issues. Also if i remember correctly, it won't mail out 1099's. May be things have improved recently, but I won't go back. Rather pay expense ratio with funds or ETF's.
 
srinir said:
I closed out my Treasury Direct account couple of years back. Website was clunky, logging in with digital keyboard was hassle for me. It locks out after couple of attempts, then dealing with customer service was nightmare for me.

Converted Paper bonds to digital, it took forever to show up. I realized if something happen to me, my wife who is computer illiterate won't deal with all the issues. Also if i remember correctly, it won't mail out 1099's. May be things have improved recently, but I won't go back. Rather pay expense ratio with funds or ETF's.
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Same log in. I don’t need to log in often, not a trading account.
 
OneChicago said:
Calendar spreads using Security Futures. Buying soon to expire (and go through delivery which requires you to deploy cash) and simultaneously Selling a longer dated contract at an interest rate differential. The long SSF(long stock)/Short SSF position is delta one with no need to re-balance. Simply wait for the longer dated contract to expire and the long stock position is used to satisfy the short future obligation and the position becomes null with the interest component remaining in your account as return. Next week is will feature very large spreads as customers roll from Sep to Oct and anyone with an IBKR account can participate. As an example today a customer rolled from Sep to Dec '18 $2.8MM notional value of INTC paying 279.26bp (annualized). The two legged trade done in the same PM account allows for very low performance bonds as the trade is riskless. While there is a non-zero risk that the Options Clearing Corporation could become insolvent this is very unlikely and not associated with the transaction itself.

David
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One risk worth noting is that pnl on the futures leg is settled nightly, but you don't receive pnl on the stock leg until expiry. So if the stock rallies you'll either need to carry a margin loan or partially liquidate.

During the roll there are often single prints that are much larger than the quoted size. Are these really CLOB trades that anyone can participate in or are they off-market block trades? Do any retail brokers besides IB offer access?
 
zghorner said:
My cash allocation is garbage. I have about 10% of my liquid in stocks and the rest sitting in bank accounts drawing little to nothing on interest. Looking for some safe places to be making money off of my money, What are some things I should be looking into? Thanks

And i have zero debt so paying off high interest debt isnt relevant to me...but for others reading this post that are paying ~20% on credit card debt that should be the very first "investment" made.
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NOBL and IWM
 
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