How To Buy Treasury Bills, Treasury Notes, Treasury Bonds | Fidelity & TreasuryDirect (Step By Step)

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  • Опубліковано 19 чер 2024
  • With interest rates on the rise, new issue T-Bills, Notes & Bonds have become more attractive recently. This video: How To Buy Treasury Bills, Treasury Notes, Treasury Bonds | Fidelity & TreasuryDirect (Step-By-Step) will walk through:
    0:00 Intro
    2:02 Top for buying T Bills, Notes & Bonds
    6:58 How the auction process works
    10:30 What Are T-Bills (how are they priced)
    16:39 How to buy T-Bills on Fidelity
    21:00 How to buy T Bills on TreasuryDirect
    Learn more about C of I: www.treasurydirect.gov/indiv/...
    -------------
    📢 We've launched! Get 15% off our brand-new bond courses thru 11:59PM ET on 4/30/2024 for Financial Literacy Month - enter coupon code bondfans2024 at checkout - see links below for more details!
    ⭐ Bond Beginners (our foundational-level bond course): www.diamondnestegg.com/bond-beginners
    ⭐ Bond Masters (our intermediate-level bond course): www.diamondnestegg.com/bond-masters
    ⭐ Or get both & save $100: www.diamondnestegg.com/home#_...
    ⭐ Join our super-supersaver membership for regular market updates & monthly live member Q&As 👉 / @diamondnestegg
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    • How To Buy Treasury Bi...

КОМЕНТАРІ • 1,2 тис.

  • @DiamondNestEgg
    @DiamondNestEgg  Рік тому +43

    📢 We've launched! Get 15% off our brand-new bond courses thru 11:59PM ET on 4/30/2024 for Financial Literacy Month - enter coupon code bondfans2024 at checkout - see links below for more details!
    ⭐ Bond Beginners (our foundational-level bond course): www.diamondnestegg.com/bond-beginners
    ⭐ Bond Masters (our intermediate-level bond course): www.diamondnestegg.com/bond-masters
    ⭐ Or get both & save $100: www.diamondnestegg.com/home#_paa2isucf
    ⭐ Join our super-supersaver membership for regular market updates & monthly live member Q&As 👉 ua-cam.com/channels/nexoc6tvesvcCEzZhmI-Ag.htmljoin
    NEW LINK TO AUCTION SCHEDULE: home.treasury.gov/system/files/221/TentativeAuctionScheduleQ32022.pdf
    If this link is ever outdated, just Google "treasurydirect tentative auction schedule" & it should be (one of the) top links under the search bar
    Thanks for visiting our personal finance channel! We hope this free content will help fast-track your financial journey! Please note that there are questions/ comments which I will not be able to answer without fully understanding your financial, personal & other circumstances. Everyone's financial journey is different. If you wish to set up a consultation call & discuss whether we can help you on an individual basis, please complete the Work With Us form on our website: www.diamondnestegg.com

    • @JC-li8kk
      @JC-li8kk Рік тому +1

      Have you gotten your interest yet from the $1,000 4 week t-bill you bought? If so, how much was it? Thanks.

    • @SW-pn4ww
      @SW-pn4ww Рік тому

      thank you for sharing . Please do a step by step on how to sell t bill on Vanguard. THANKS.

    • @jamesnorman9639
      @jamesnorman9639 Рік тому

      I do not see the 17 week t bill on this schedule ??

    • @jamesnorman9639
      @jamesnorman9639 Рік тому

      17-week bills are offered each week. Except for holidays or special circumstances, the offering is announced on Tuesday, the bills are auctioned on Wednesday, and they are issued on the following Tuesday. 52-week bills are offered every four weeks.

    • @coryjohnson3429
      @coryjohnson3429 Рік тому +1

      May I ask you why you chose to Auto Roll at maturity instead of maybe waiting to see what the next terms will be?

  • @shannonoliver7992
    @shannonoliver7992 Рік тому +159

    This channel is so underrated. Although I know most of what you cover here, I don't see it anywhere else. you're also an excellent presenter. There's always room for cash and cash equivalents like T-bills in your portfolio. Not enough people talk about that. Kudos!!!

    • @DiamondNestEgg
      @DiamondNestEgg  Рік тому +8

      Thanks - glad you enjoyed. Hopefully, community members like yourself will help spread the word on our channel with family & friends!

    • @jeffyeah4256
      @jeffyeah4256 Рік тому +2

      @@DiamondNestEgg what % in treasury bills for conservative portfolio?

    • @kenmcdaniel96
      @kenmcdaniel96 Рік тому

      Very excellent information Jennifer, a great find for the novice investor, thank you!

    • @evshrug
      @evshrug 11 місяців тому

      @@jeffyeah4256 What I do is make sure I have at least 3 month’s expenses (mortgage, utilities, food, vehicle, entertainment) in liquid cash available at all times, plus I keep tax payment timing in mind. I realized the rest of my money was just sitting in the bank, year after year, so I chose to make interest off it. YMMV. It got rough when my father in law died, mother in law moved in (no financial contribution), the company I worked for went out of business (I lost my job), and my wife had an accident with two cars in a parking lot all within a month and a half… but we still managed to pull through.

  • @timw491
    @timw491 Рік тому +86

    Jennifer, I'm sorry I've only recently discovered your instructional video's. They are absolutely outstanding!. I love how concise they are. No wasted verbiage or images - every word and screenshot is useful and instructional. Very well produced. Along with the well spoken and logical progression in the discussion of various topics, I have found them invaluable. Thank-you for taking the time to share your expertise with us. It is truly appreciated.

    • @herrmajesty
      @herrmajesty 4 місяці тому +1

      Well said, awesome job !

  • @fatalconceit9713
    @fatalconceit9713 Рік тому +1

    Amazing video. I have watched many videos on this topic, but this is the first one that covered every question I had!

  • @charlier442
    @charlier442 Рік тому +3

    You are excellent at explaining everything step by step. Thank you!

  • @ChanChan-pg4wu
    @ChanChan-pg4wu Рік тому +3

    Very clear instruction and explanation. Thank you very much! Truly a Gem!

  • @patriciabielcik3921
    @patriciabielcik3921 Рік тому +4

    your videos are GREAT! thank you for spending time educating and explaining things so clearly and concisely!

  • @johnperkins5450
    @johnperkins5450 Рік тому +2

    Awesome video! So clear, while still being detailed. Thanks!!!

  • @laurahouston8355
    @laurahouston8355 Рік тому +1

    So glad I found your channel. Information is presented so clearly and I appreciate the step by step walk-through. Keep up the great work.

  • @chriscoco547
    @chriscoco547 Рік тому +3

    Jennifer, love your tutorials….you are systematic and detailed!

  • @johnbarr7884
    @johnbarr7884 Рік тому +5

    this is very helpful. thank you for taking the time to explain the process in such a clear way.

  • @aditalati6445
    @aditalati6445 Рік тому +2

    This is among the most well explained channels. Congratulations !

  • @annmckeighen8729
    @annmckeighen8729 Рік тому

    Fantastic video on T-bills!!! You sure got that up fast after I asked about it!!!! U R GREAT, Jennifer!!!!

  • @drewmcmahon2629
    @drewmcmahon2629 Рік тому +3

    Ok you're awesome. You know exactly how to break this down, what's important to highlight and what to ignore. A great teacher. Thank you.

  • @Scott-sm9nm
    @Scott-sm9nm Рік тому +5

    Impressive: your screen shots and highlighting on them is top notch. Walking through the screens are a perfect tutorial for new users. Your efforts certainly takes a ton of time and you deserve all subs and viewers you get (and more).

  • @stephengamber7000
    @stephengamber7000 6 місяців тому +1

    Thanks so much for making the complex understandable, especially the step-by-step instructions for making trades. Glad I found your channel!

  • @w00c7140s
    @w00c7140s Рік тому

    What an educator you are Jennifer! You make all your subject matter interesting and easy to understand. Thank you.

  • @jimsweeney7339
    @jimsweeney7339 Рік тому +87

    You are knowledgeable, well-spoken and easy to understand. I really appreciate your videos. You explain in a very easy to understand way. This is one of the best financial advice channels I have seen

  • @mikemuzzy4901
    @mikemuzzy4901 Рік тому +13

    Wow! Your presentation skills and content are fantastic! Please keep up the great work and THANK YOU for making the effort!

  • @brianmcglynn8865
    @brianmcglynn8865 9 місяців тому +1

    can't thank you enough, you are my GO TO resource for anything related to Treasury purchases. You explain everything so well, even I can understand it

  • @bfx20018f
    @bfx20018f Рік тому +1

    Thank you for your clear and, easy to understand presentation. I don't believe it could have been any better. I give it an A+.

  • @scorpjitsu
    @scorpjitsu Рік тому +19

    This is the best explanation on T Bills I’ve ever seen. Excellent work!

  • @blondon99
    @blondon99 Рік тому +5

    Thanks for the great information. I just discovered treasury direct and I bonds a few days ago and I was quickly overwhelmed by the confusing website. I had looked into treasuries a little bit, but your explanation made it much much easier to understand.

  • @simplefinance
    @simplefinance Рік тому +1

    Phenomenal video. Super clear, informative, thorough. Thank you!

  • @maxmnnit
    @maxmnnit Рік тому +2

    really well researched and thorough content. covers all the questions I had about this. thanks for sharing this!

  • @kensalome483
    @kensalome483 Рік тому +3

    As always, another excellent, well presented video. Very helpful. Thank you.

  • @sunkissed6220
    @sunkissed6220 Рік тому +5

    This channel is an absolute "treasure" (pun intended)! I'm here from a recommendation by Suze Orman. Thank you so much for providing crystal clear details and instructions on Treasuries. I'm ready to dive in 🙂

  • @nickt2159
    @nickt2159 Рік тому +1

    Jennifer, thank you so much for your superb video. I have been researching Treasury bills and CDs for some time. But was always confused on the buying step. Your video cleared it all up. I can’t recommend you highly enough. I look forward to learning from more of your videos.
    Nick

  • @quakerwildcat
    @quakerwildcat Рік тому

    This video is spectacular. I know how much work goes into the graphics and it is much appreciated. You are a great teacher.

  • @kmaurren9264
    @kmaurren9264 Рік тому +19

    Excellent tutorial. Much needed for a first-time investor. Thank you!

  • @G4drdbl
    @G4drdbl Рік тому +3

    This was very helpful. I have been meaning to buy some treasuries for a while now but was unsure how to do so on treasury direct or Fidelity. I made a 1k purchase to try and it seemed very easy. Thanks for the video.

  • @stevewelty5035
    @stevewelty5035 Рік тому +2

    The best info I have come across that explains this process and separates out the advantages/disadvantages of broker vs direct purchase. Thanks so much

  • @dna95
    @dna95 Рік тому +2

    Have watched several T-Bills videos. Your instruction is superior to all the rest. Thank you.

  • @mikekendall5870
    @mikekendall5870 Рік тому +19

    I’ve been a Fidelity customer for decades but never attained the familiarity of the site that you have provided right here. Thank you so much Jennifer

  • @jackychen2754
    @jackychen2754 Рік тому +5

    Your instructions are so clear and easy to follow. I read about purchasing from treasurydirect from another website. After watching your video I realized that Icould purchase from my Fidelity with auto roll. It's so much easier (website user interface). Thanks so much! Excellent video!

  • @randomthoughtsfromacrazedm3372

    Thanks for the video. I was a little wary of buying through Fidelity through auction but this saved me a lot of trouble and I got a great price today on 20-year bonds.

  • @atomic_blonde1
    @atomic_blonde1 Рік тому +1

    Great video. Everything I've been wondering about treasuries in one video.

  • @drkalccm2444
    @drkalccm2444 Рік тому +23

    Your detailed explanation of Fidelity and Treasury Direct websites is EXTREMELY helpful to us new investors. Thank you!

  • @rightangletriangle3188
    @rightangletriangle3188 Рік тому +4

    Have never bought new treasury before except for ETFs. Thanks for the explanation, now can use T-bill to replace the CD allocation instead.

  • @alex00731
    @alex00731 3 місяці тому

    Love it love it how detailed all this twister in my head just stopped by how simple this info is explain. Thanks young lady. ❤

  • @chiup2023
    @chiup2023 Рік тому

    Hi Jennifer, thank you so much for the step-by-step tutorial, which is very helpful!

  • @mingthemercy4605
    @mingthemercy4605 Рік тому +11

    Wow, good job, this is the best fixed income tutorial i have ever watched. Step by step, precise, and clear. Thank you!

  • @lois9760
    @lois9760 Рік тому +10

    I watched this video as well as your I-Bonds video and passed the word along in the Suze Orman app which many people appreciated. Your presentations are always so well detailed and easy to understand which I gratefully appreciate. I am now a subscriber and thank you so very much!

  • @stephenmarks4927
    @stephenmarks4927 Рік тому +1

    Jennifer this is absolutely fantastic thank you so much for this! You now have a brand new subscriber!

  • @waterfallrich
    @waterfallrich Рік тому

    Great video! You answered all of the questions I had on buying T Bills after I watched another video on how to buy T Bills.

  • @Hope1079
    @Hope1079 Рік тому +3

    Hi Jennifer, Great video. I would definitely be interested in a video on purchasing bonds in the secondary market.

  • @wirsyt
    @wirsyt Рік тому +36

    Thank you Jennifer as always for the well researched content and the excellent presentation. I had some extra cash lying around in my checking account which I was planning to use to buy some equity. As the stock market is still consolidating, after watching your video I ended up buying T-bills with 3 month maturity. Thank you!

    • @atir1008
      @atir1008 Рік тому

      What was the outcome. How much did you invest and how much did you make???

  • @dbest4755
    @dbest4755 Рік тому +1

    Jennifer - I'm learning so much on this channel , it's becoming my favorite...Thanks!

  • @jjowhal
    @jjowhal Рік тому

    I was literally looking to purchase some T-bills, notes in my Fidelity Acct!!! Don’t know how I found you, but boy I’m glad I did! Amazing breakdown ❤

  • @paulbiel517
    @paulbiel517 Рік тому +15

    Thanks for the outstanding tutorial! This has always seemed complicated and a bit of mystery to me; however, you've definitely shown me it's a lot simpler and easier than I thought. Appreciate you sharing this.

    • @poolmilethirty2859
      @poolmilethirty2859 22 дні тому

      I agree. I guess it takes a woman to explain in understandable detail in order to encourage others in the game.

  • @1linkbelt
    @1linkbelt Рік тому +4

    Jennifer, I am looking forward to seeing the video you make after the Sept. Fed meeting.
    I am also waiting for that meeting before placing additional funds in T Bills. (I use TD and a bank account to handle my transactions. It was a pain in the butt getting the account set up, etc.).

  • @geraldcoleman2256
    @geraldcoleman2256 11 місяців тому

    Very well done. I get it now!
    I’m so happy to have found you.
    Your tutorial was excellent
    Thank you !

  • @JosephPCaroselli
    @JosephPCaroselli Рік тому +1

    I appreciate the detail of your videos and that you provide a table of contents that allows users to get to their topic of interest quickly. I wanted to know how interest is calculated when you buy bonds. Your explanation was very clear and informative. Thank you for what you do.

  • @jinghuahuang9378
    @jinghuahuang9378 Рік тому +7

    OMG! Jennifer, you are the treasure UA-camr! Why are you so good at presenting at such a high level and diving deep by explaining every detail of T-bills/notes/bonds and how to purchase them at Fidelity & TreasuryDirect???? I have watched this video so many times during the last 24 hrs!!! The more I watch it, the more I feel I can learn from you!!! I will definitely subscribe to your channel now and refer you to my friends!!!

    • @DiamondNestEgg
      @DiamondNestEgg  Рік тому +2

      Glad the T-Bill education has been helpful & thanks for sharing with your friends! I really appreciate that!

  • @edsteadham4085
    @edsteadham4085 Рік тому +4

    Just fantastic. Your simple language your pace your easy to read screens. You deserve a zillion followers. Thank you!

    • @DiamondNestEgg
      @DiamondNestEgg  Рік тому +2

      Glad you enjoyed it! Help share our channel with friends & family - maybe we’ll get to a zillion followers eventually 😄

    • @edsteadham4085
      @edsteadham4085 Рік тому +1

      @@DiamondNestEgg already shared with family and friends while drinking a divine cup of morning coffee!

  • @patrickmcguire1988
    @patrickmcguire1988 Рік тому

    My comments are like all the others: clear and to-the-point presentation. thanks

  • @peipeitan7557
    @peipeitan7557 Рік тому

    My first T-bill purchase just went through, thanks to you!

  • @danncork1967
    @danncork1967 Рік тому +3

    Great video. Learned of this video via Suze Orman's shout out on her Woman and Money podcast.

  • @evelynwald9132
    @evelynwald9132 Рік тому +13

    Thank you so much for making this process understandable. If you don't live in this world, it looks very bewildering from the start, but you really helped me understand it so much better. I really appreciate that. Thanks for sharing this.

  • @jaladhipandya2650
    @jaladhipandya2650 Рік тому

    Thanks Jennifer! awesome presentations and step by step tutorials helps a lot

  • @vivianong7772
    @vivianong7772 Рік тому

    thank you for explaining the Treasury process to the people it really helps us to understand the process.

  • @Chiroman527
    @Chiroman527 Рік тому +6

    Jennifer, I am a subscriber - primarily, there is no one that is explaining this like YOU. I bought $20K in Series I Bonds (wife and I) because of your advice !!
    I would Love to see your videos about Retirees at 71 , approaching the "withdrawal years ahead form 401Ks. Converting 401Ks and /or Traditional IRAs to Roth IRAs , the pros and cons. THX for your info.

  • @johnt9186
    @johnt9186 Рік тому +7

    This is such a great video. As a CFP Emeritus, this is one of the clearest most succinct presentations I've ever seen.

  • @ajayarangali24
    @ajayarangali24 Рік тому +1

    Jennifer, Thanks for making the videos, you have greatly improved my financial learning and investment knowledge. Keep up the good work.

  • @mambodiehard
    @mambodiehard Рік тому +1

    Thanks a lot! I knew the theory but I needed the nuts & bolts to get this done and your videos on CDs and t-bills saved me a lot of time. Thank you!

  • @TVResults
    @TVResults Рік тому +3

    Thanks for the helpful overview and tutorial. Looking forward to your next video after the meeting to see which TBills are most attractive. Will you be sharing which ones you are buying in that video? Tbills are new to me. I've had Ibonds since the beginning of the year.

  • @steveskinner9002
    @steveskinner9002 Рік тому +11

    As always, Jennifer, your timing is perfect for the subject of your videos. The two-year treasury bond yield is over 4%.
    Short term treasuries are at wicked-crazy rates that I may never see again. My wife and I are almost 60 years old and cruising comfortably into our long happy lives that includes retiring next year.
    What about bond/ CD ladders and what/why are the best accounts to build the ladders (taxable/non-taxable)?
    Thank you for being an asset to ...

    • @DiamondNestEgg
      @DiamondNestEgg  Рік тому +4

      Stay tuned for the next video Steve! And you're welcome!

    • @cleverpeasant-jn7iw
      @cleverpeasant-jn7iw Рік тому

      @@DiamondNestEgg Which investor you respect for portfolio allocation?

  • @youme7721
    @youme7721 Рік тому

    Hi Jennifer, I've just realized you changed my life. Thank you for manking the eye-opening moments.

  • @dslitmanovich
    @dslitmanovich Рік тому

    Thank you for the clear explanation Jennifer! You're great!

  • @CraigHofer1
    @CraigHofer1 Рік тому +13

    Hi Jennifer. This was a very informative video and we used it along with your buying a TBill Ladder to make that happen in our Fidelity account. Now that our 4-week TBill's matured (yesterday 12/6/2022 maturity) we are realizing that the purchase of these 4-week TBills was done on the Auction Date, which was 5 days before the Issue Date. Since the days between the Issue Date and the Maturity date is 28 days (4-weeks) and the difference between the Auction Date and the Maturity date is 33 days, our annualized return turns out to be less than expected. In this case, we expected 3.68% annualized return for the 28 days, but it turns out to be 3.12% instead because the investment period (the time between when the money came out of our investment account for the TBill purchase and the time the face value of the TBill was returned) was 33 days. I don't see that mentioned anywhere in the video or the comments and I'm wondering if maybe Fidelity made a mistake with our trade or if that's just how it works. Thank you! - Love your channel.

    • @d1nonlysnshn
      @d1nonlysnshn Рік тому +3

      I wonder if that is how etrades et al are able to offer these services for free as they get to use your money for 5 days for free. Alas, it is the same on treasurydirect, so it appears that this is just the way the system is set up.

    • @mermalocsay
      @mermalocsay Рік тому +4

      I have exactly the same concern and also have fidelity. High yield savings rates are decent now and would like to know when/if I'm really making more on a TBill , so want to factor in the true amount of days my money is tied up so I can compare apples to apples on the APY. I know Jennifer could make a great video to make it simple for us! Loving this channel.

  • @Nakameguro97
    @Nakameguro97 Рік тому +12

    One other advantage of TreasuryDirect is, you don’t have to worry about SIPC/FDIC limits, since you’re dealing directly with the Fed!

    • @followmesky
      @followmesky Рік тому +1

      that to me means everything!!! Thanks for the perspective

  • @cloudyprison7741
    @cloudyprison7741 Рік тому

    You are amazing! Love your videos. You make this all so easy to understand!!!

  • @user-ti5dl5yg7q
    @user-ti5dl5yg7q 7 місяців тому +1

    Love your explanation. Was able to buy t-bills on treasurydirect and schwab with no problems at all. Love your attitude.

  • @emform1
    @emform1 Рік тому +4

    Question…you place your order before you know what the interest rate is? Thank you for making informative videos. It really helps. ❤️

    • @DiamondNestEgg
      @DiamondNestEgg  Рік тому +2

      Yes, at 10:04 is the link that gives you an idea what the rates at recent auctions looked like

    • @emform1
      @emform1 Рік тому +1

      @@DiamondNestEgg You are the best! I appreciate the response.

  • @Iris-CreativePro
    @Iris-CreativePro Рік тому +3

    Hi! So great Suze Orman mentioned your UA-cam page on her podcast today, I'm watching your videos and have just subscribed! Might I ask where the 'direct link below on the zero percent certificate of indebtedness' is? Also, do you know if it is easy to get your money back once the bill matures? Or is there a long delay? Thank you so much, I appreciate your videos.

    • @DiamondNestEgg
      @DiamondNestEgg  Рік тому +1

      Thanks! I just added the link back again - not sure what happened, but here you go: www.treasurydirect.gov/rs/152-ZeroPercentCofIInfoPopup.htm
      Also, regarding your question about how easy it is to get your money back, someone else in the community told me this morning that TD had told her 2 business days after maturity, & she got her money back in 1.5 business days.

  • @rover8783
    @rover8783 8 місяців тому

    Thanks, Jennifer! I finally gained the courage to purchase my first new issue T-Bill through Fidelity thanks to your super, clear, concise, and easily understandable videos on the how/why to buy new issue T-Bills, Notes, Bonds. Before I just kept my funds in low interest credit union accounts, looked at CDs, and never thought brokerage accounts could be an option for me. I’ve learned so much from you. Keep up the fantastic work!

  • @VEROVALENTE
    @VEROVALENTE 3 місяці тому

    Thank you so much Jennifer. I have just right now bought my first TBill in Fidelity with your instructions and I didn't have any idea about it before I saw your video.

  • @Hope1079
    @Hope1079 Рік тому +3

    Hi Jennifer. As always great explanations. Just one point of clarification needed. On the Treasury Direct purchase instructions where you choose the length of your "Scheduled Reinvestment". You indicated a "1" and said that represented one year. I don't see anything that would indicate that would be one year. I would have intuitively thought putting a 1 in that box would mean that I want my T Bill to be reinvested one time (so another 4 weeks). Am I wrong? Is it really one year?

    • @DiamondNestEgg
      @DiamondNestEgg  Рік тому +4

      Hi Carol. “1 Here” (not 1 year). I lost my microphone on vacation & it seems this old one is not as good!

  • @shoofly529
    @shoofly529 Рік тому +5

    I would like to see you explain the advantages of building a CD ladder using Treasury Bills, Notes, etc. please.
    Also of note are the Fidelity core position money market funds (where Fidelity holds your uninvested cash) are currently yielding 1.91% for FZFXX &1.84% for SPAXX!

  • @IndiratempestST
    @IndiratempestST Рік тому

    Wow, this was very informative. I really appreciate the step-by-step instructions!

  • @user-gc5kv3cd7j
    @user-gc5kv3cd7j Рік тому +1

    This is super clear! This channel is definitely underrated

  • @sudheerk82
    @sudheerk82 Рік тому +3

    Thanks for another great video. The 45 days lock-in period is for treasury notes/bonds and not for bills, right?

    • @DiamondNestEgg
      @DiamondNestEgg  Рік тому +2

      It’s for T-Bills also. So if you buy a 4-week T-Bill from TD, you basically can’t sell it before maturity.

    • @sudheerk82
      @sudheerk82 Рік тому

      @@DiamondNestEgg Thank you, makes sense.

    • @piggsinablankie
      @piggsinablankie Рік тому

      This has me concerned too. Did my very first 4 week T-Bill from TreasuryDirect about 3 weeks ago as a test. When it matures it's going into the "C of I" holding account (again as a test to see how it works). Do I have wait 45 days to transfer the money from C of I back to my savings account??

    • @DiamondNestEgg
      @DiamondNestEgg  Рік тому +5

      @@piggsinablankie When my last T-bills matured & were reinvested into the next new issues, the interest earned from those matured T-bills was transferred into my bank account the next business day. My assumptions are that: 1) the same would apply for my principal/ face value when I stop reinvestment & 2) once your T-bill funds are transferred to your C of I, you should be able to send it over to your savings account without waiting 45 days. Having said all this, I don't have any experience with a C of I at TD, so if you do have an answer for us at some point, please come back & let the community know!

    • @piggsinablankie
      @piggsinablankie Рік тому +2

      @@DiamondNestEgg Thanks for your reply and really terrific videos. I watched a few of yours on I Bonds and it convinced me to do $20000 on them too for me and my company ($10000 each).
      I will let you know how easy it is to get the money from C of I. I believe my first 4 week Bill matures on Sept 20th. If it's really difficult to transfer the money out, I may have to tweak my strategy a little. I find it really hard to believe you have to wait 45 days on a matured Bill to get your money back from their holding account.
      I kind of jumped the gun a little and started my 13 week Bill strategy before my 4 week test is over (hard to pass up the great interest rates). I'm buying a larger amount every week for 13 weeks on a rotation, but may stop that strategy if they are going to hold my money for 45 days after maturity, which again I find impossible to believe.
      Thanks again. Keep up the great videos!

  • @KnownBeing
    @KnownBeing 8 місяців тому

    Thank you! Super clear and helpful. I came here for this video and just subscribed.

  • @tomk4916
    @tomk4916 Місяць тому

    Very helpful video. Very concise and understandable. Thank you!

  • @thejo494
    @thejo494 9 місяців тому

    What a fantastic and easy to understand tutorial, thank you so much!!

  • @thomassmith280
    @thomassmith280 Рік тому

    You are a gem. Just stumbled on your channel and really like it. Thank you!

  • @robertmillar9279
    @robertmillar9279 Рік тому

    Thank-you. The information you presented is much appreciated!

  • @robstreicher5561
    @robstreicher5561 Рік тому +1

    Great job!! I love your videos.....very thorough!!

  • @CraigandJoan
    @CraigandJoan Рік тому

    I bought my first T-Bill today! Thank you for the great step-by-step help.

  • @KhanhSG
    @KhanhSG Рік тому

    Unbelievable video/tutorials. Been learning so much from your video. Thank you very much.

  • @shelinasewani8252
    @shelinasewani8252 Рік тому

    You explain everything so clearly!! Thank you.

  • @armandoabreu6593
    @armandoabreu6593 Рік тому +1

    Great video. Clear and to the point. Thanks.

  • @anacaona1982
    @anacaona1982 Рік тому

    Love the way you explain things!! Thank you.

  • @patricks1787
    @patricks1787 Рік тому +1

    You are amazingly clear! Thanks!

  • @XG9769
    @XG9769 Рік тому

    A great video! I recently wanted to know more about these treasury bonds, bills and notes

  • @cesarebeccaria7641
    @cesarebeccaria7641 Рік тому

    Wow! This couldn't be more helpful or timely. Just moved an IRA and Roth IRA to Fidelity. Had existing Rolloever IRA and taxable accounts already, but I've only become interested in fixed income investments for the first time since the 70's (Yes , I must be old.) This was an outstanding intro to these products. I'll next be going through all your videos. BTW, someone at Fidelity must have watched this too, as now every screen in the T-Bill ordering process has a notation that "1 equals $1,000." Thanks for this. You've just taught an old dog a new trick!

  • @user-vz9pg1ef3g
    @user-vz9pg1ef3g 9 місяців тому

    Thank you so much for your videos. You present things in an easy to understand way to the average person.

  • @lotoex
    @lotoex 8 місяців тому

    Just bought a $200 20 year bond on Treasury Direct today. Thanks for the video it was helpful.

  • @alanrwelch
    @alanrwelch Рік тому

    Great-- informative, clear, and entertaining video. Thanks!

  • @backkat9475
    @backkat9475 Рік тому +2

    Love your easy to understand content!