Comments on: 4-Week T-Bill Rate Tumbled http://www.thesunsfinancialdiary.com/investing/4-week-t-bill-rate-tumbled/ Fri, 20 Nov 2009 19:09:54 -0800 http://wordpress.org/?v=2.8.6 hourly 1 By: Investing » 4-Week T-Bill Rate Tumbled http://www.thesunsfinancialdiary.com/investing/4-week-t-bill-rate-tumbled/comment-page-1/#comment-23440 Investing » 4-Week T-Bill Rate Tumbled Fri, 21 Sep 2007 21:00:21 +0000 http://www.thesunsfinancialdiary.com/investing/bond/4-week-t-bill-rate-tumbled/#comment-23440 [...] unknown wrote an interesting post today onHere’s a quick excerptWell, it looks like that’s not going to happen any time soon as the investment rate of 4-week T-bill tumbled to 4.079% APR in last week’s auction. That’s equivalent to 4.15% APY, a yield that even ING Direct can beat easily after the … [...] [...] unknown wrote an interesting post today onHere’s a quick excerptWell, it looks like that’s not going to happen any time soon as the investment rate of 4-week T-bill tumbled to 4.079% APR in last week’s auction. That’s equivalent to 4.15% APY, a yield that even ING Direct can beat easily after the … [...]

]]> By: Sun http://www.thesunsfinancialdiary.com/investing/4-week-t-bill-rate-tumbled/comment-page-1/#comment-23347 Sun Thu, 20 Sep 2007 19:56:21 +0000 http://www.thesunsfinancialdiary.com/investing/bond/4-week-t-bill-rate-tumbled/#comment-23347 Ted: I have heard about Vanguard MM fund and have looked at it a couple of times before, but I never felt I should get one. The main reason is that it's a mutual fund, thus it doesn't have the flexibility as the online banks do. For banks, if their rates becomes unfavorable, I just leave $1 in the account and move the money to other place. With a mutual fund, it's not that easy to shift money around. Also, I haven't followed the fund so I am not sure its yield compared with online banks' yield when the interest rate is low, as we may see soon. I need to keep an eye on it to see it's an option that I'd like to take. Ted: I have heard about Vanguard MM fund and have looked at it a couple of times before, but I never felt I should get one. The main reason is that it’s a mutual fund, thus it doesn’t have the flexibility as the online banks do. For banks, if their rates becomes unfavorable, I just leave $1 in the account and move the money to other place. With a mutual fund, it’s not that easy to shift money around. Also, I haven’t followed the fund so I am not sure its yield compared with online banks’ yield when the interest rate is low, as we may see soon. I need to keep an eye on it to see it’s an option that I’d like to take.

]]> By: MoneyQs » Blog Archive » 4-Week T-Bill Rate Tumbled http://www.thesunsfinancialdiary.com/investing/4-week-t-bill-rate-tumbled/comment-page-1/#comment-23146 MoneyQs » Blog Archive » 4-Week T-Bill Rate Tumbled Wed, 19 Sep 2007 04:28:48 +0000 http://www.thesunsfinancialdiary.com/investing/bond/4-week-t-bill-rate-tumbled/#comment-23146 [...] elysa wrote an interesting post today onHere’s a quick excerptWhere should I put my money? I was hoping that when the FNBO Direct 6.0% APY promotion ends in 10 days, I could go back to 4-week T-bills for short term investment. Well, it looks like that’s not going to happen any time soon as the … [...] [...] elysa wrote an interesting post today onHere’s a quick excerptWhere should I put my money? I was hoping that when the FNBO Direct 6.0% APY promotion ends in 10 days, I could go back to 4-week T-bills for short term investment. Well, it looks like that’s not going to happen any time soon as the … [...]

]]> By: Ted http://www.thesunsfinancialdiary.com/investing/4-week-t-bill-rate-tumbled/comment-page-1/#comment-23120 Ted Tue, 18 Sep 2007 20:42:44 +0000 http://www.thesunsfinancialdiary.com/investing/bond/4-week-t-bill-rate-tumbled/#comment-23120 I know you like to chase rates to squeeze out every extra basis point, but you may find the simplicity of parking your cash in the vanguard prime or tax-exempt money market (or other historically high-yield-no-games MM) worthwhile. You might get a quarter or half percent better on a teaser rate somewhere else. But you'll just have to go looking again after the promo period. Or you could try to beat the market and set up some CD ladders today before those rates drop too. I know you like to chase rates to squeeze out every extra basis point, but you may find the simplicity of parking your cash in the vanguard prime or tax-exempt money market (or other historically high-yield-no-games MM) worthwhile. You might get a quarter or half percent better on a teaser rate somewhere else. But you’ll just have to go looking again after the promo period.

Or you could try to beat the market and set up some CD ladders today before those rates drop too.

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