Brokered CDs are convenient to buy but they have some disadvantages over direct CDs and Treasuries. Consider these factors to see if they are worth it.
Cash Out Old I Bonds to Buy New Ones for a Better Rate
See which older I Bonds you should cash out to buy new ones for a higher fixed rate, the best time to cash out, and how to manage the annual purchase limit.
Deliver I Bonds Bought as a Gift in TreasuryDirect
It’s time to deliver the I Bonds you pre-purchased as a gift last year. The owner can edit the registration and grant you rights after you deliver it.
Two Types of Bond Ladder: When to Replace a Bond Fund or ETF
A bond ladder has advantages over a bond fund or ETF. The shorter the time span in which you will liquidate your bond holdings, the more valuable it is.
How to Buy Treasury Bills & Notes On the Secondary Market
Detailed steps and screenshots for how to buy Treasuries on the secondary market without a fee at Fidelity, Vanguard, Charles Schwab, and Merrill Edge.
When to Sell I Bonds or Cash Out and Buy TIPS
I Bonds are great for the short term but TIPS are better for the long term. Calculate whether the time has come to cash out your I Bond and switch to TIPS.
How to Split an Existing I Bond for Multiple Beneficiaries
You can name only one beneficiary on a savings bond. If you’d like to name two or more beneficiaries, you have to split your bond into multiple parts.
Cash Out I Bonds Tax Free For College Expenses Or 529 Plan
It’s possible to cash out I Bonds tax free for college expenses or transfer to a 529 plan but you must meet an income limit and some other requirements.
Better Inflation Protection with TIPS Than I Bonds
Consider investing in TIPS for inflation protection after maxing out I Bonds. They have no purchase limit, and you can invest through a mutual fund or ETF.
How To Buy Treasury Bills & Notes Without Fee at Online Brokers
Treasuries pay a higher yield and are easier to buy than CDs right now. Here’s how to buy them without fee at Fidelity, Vanguard, and Charles Schwab.
Long Box Spread Trade vs Buying Treasury Note or CD
A long box spread can be a good alternative to buying a Treasury note or a CD if you don’t screw up your order. Here’s how to do it at Fidelity.
Short Box Spread Trade vs Margin Loan: How It Works at Fidelity
A short box spread trade effectively gets you a loan at a low fixed rate for a fixed term. Don’t do it if there’s any chance you’ll make a mistake.