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.
Detailed steps and screenshots for how to buy Treasuries on the secondary market without a fee at Fidelity, Vanguard, Charles Schwab, and Merrill Edge.
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.
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.
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.
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.
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.
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.
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.
Do this trick when you buy I Bonds and use a secure password stored in a password manager instead of the virtual keyboard on the TreasuryDirect website.
Most people are better off contributing to a traditional 401k, not a Roth 401k. Here’s why.
You can report accrued interest from your I Bonds every year but it gets complicated in real life. Keep it simple and go with the default.