How To Buy T-Bills Direct From the US Treasury | Adam Taggart
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- Опубліковано 6 чер 2024
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Here's a quick explainer video for you about how to buy very short-dated US Treasurys, known as T-bills, directly from the US Treasury using the TreasuryDirect website.
As you know if you’re a regular viewer on this channel,I’ve been making a lot of noise recently now that T-bills are offering yields around 5%.
That’s a very big development, as investors who are concerned about today’s financial markets now have somewhere safe to park their capital, keep it relatively liquid, AND get paid a decent return on it.
That hasn’t been the case for a long time.
1 year T-bill yields have been at record lows for much of the past decade, down near 0% for many years. The last time they were this high was 2006.
And with the inflation rate, as measured by CPI, falling - it may not be very long before T-bills offer a positive real return when adjusted for inflation. Again, that hasn’t been the case for a very long time.
I can’t tell you how many times I’ve had investors tell me “I’m too spooked by the turbulence of today’s uncertain markets. If I could just find a safe place to get a 4 to 5% return on my money for the time being, I’d be thrilled.”
Well, that’s now possible given where short term yields are.
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#t-bills #bonds #treasurydirect
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IMPORTANT NOTE: The information and opinions offered in this video by Wealthion or its interview guests are for educational purposes ONLY and should NOT be construed as personal financial advice. We strongly recommend that any potential decisions and actions you may take in your investment portfolio be conducted under the guidance and supervision of a quality professional financial advisor in good standing with the securities industry. When it comes to investing, past performance is no guarantee of future results. Any historical returns, expected returns, or probability projections may not reflect actual future performance. All investments involve risk and may result in partial or total loss. - Розваги
Save a particular amount for investing if you want to receive dividends, personally I have my interest set on key sectors based on performance and projected growth and that is where I put all my money. I actually bought my third house from my portfolio ranging from the renewable energy, tech alongside crypto .
Wow, very intriguing! Currently, I am looking for investment ideas or recommendations. Earlier this year, I hesitated and did not take any action till now. However, I am motivated to try something new because I am quite open to other investing opportunities. I want to retire in my forties or fifties. I sincerely hope I can achieve what you've accomplished so far.
It's essential to comprehend the complexities of investing. Having a trustworthy support system, such as a financial adviser who can advise you is crucial especially when choosing assets.
Thanks for the advice but it's hard to get a trustworthy financial professional around here. Seeing what you have accomplished I would like to get in touch with your financial advisor
In general, investing requires higher knowledge. I operate with (Alex martin tarlor) an investment specialist who partners with a licensed wealth management firm.
Wow.. I'm surprised you know Alex Martin tarlor trade. I first saw him in a Bloomberg interview and I checked him up on net .. that was how I first linked up with him
Yes to learning about buying and selling T-bills through brokerage accounts!
Thank you Adam. Please do more videos addressing all the areas you mentioned in this video asking if there was interest. Thank you for helping us regular folks.
Yes James, I’d like to see a video by you on purchasing through a brokerage account. Love your channel. You are someone I can recommend to friends. I tell them that you present a broad range of relevant topics in a sound and sober, non-hyped-up way. Your guests are varied and interesting.
Always appreciated. Thanks.
This is one of the most useful videos I've seen on this topic. Simple, brief and accurate
Thanks Adam for another fine tutorial on keeping our money engaged risk free towards a substantial offset of inflation.
Keep up the great work !!
Deep breath, I just followed your instructions and purchased my first t-bill 😳
How did it go?
You said you got your first t bill
That was like ten months ago
Thank you for this tutorial. Many times things seem a lot more difficult than they are, and this tutorial is very effective in breaking down the simplicity of it!
Thank you for your explanation! For a short video, it is easy to understand and very helpful for brand new investors.
Adam what you do better than the other macro channels is give individual investors precisely what they need! Great video!
Appreciate all your channel offers, especially when you educate your audience. Would love to see more content like this. Will continue to watch all the guest Rock Stars your have on your show :D))
Most certainly would like to see more of these related videos. It’s great to see videos of substance instead of vague speculation.
I have been purchasing t bills for a while, but it is good to hear the review from the expert.
Thank you so much, Adam. I'm a 30 year old electrician with minimal knowledge in the finance world. Through your channel I'm learning so much about my options so I can eventually have an intelligent conversation with an advisor and do something productive with my savings. Such good information, please keep it coming!
I am an electrician also, who started investing last year. I am willing to help you look at this investment opportunity in US treasuries, in a way you likely haven't, if you are interested. Once I discovered it, I stopped putting my money into my 401k.
@@christopherparsons3224 Sounds more like you're an indian scammer.
This was the most concise explanation I have seen. I sent it to some folks that wanted to put some savings into 1 year bank CDs.
Thank you for explaining in simple terms and with clarity. Much appreciated!
Adam Taggart is a genuine good guy. It is so difficult to find financial advice online that you can trust. Adam delivers. In my opinion, investing in T-Bills whether it is through Treasury Direct or a broker is the only sensible thing to do with your money for now.
Yes, Adam, this video is fantastic!!! Please bring on more like it!!! thank you! Pete
Thank you, Adam. Nice quick video. T-Bills make sense right now, but as time goes by, longer duration may become more interesting, so bond ladder tutorial would be very useful. I would suggest few topics of interest (1) Bond ladders, i-bonds, T-bills etc. for short-term expense funds and emergency funds (2) Risk/benefits of different paper gold options and difference with physical gold (3) retirement tax optimization (RMD, SS, healthcare, etc) and withdrawal strategies (4) Estate planning, LLC/PLC, C-corp for investment activities. BTW, I watch all your videos, they are excellent and very impressed by both the pairs at RIA and New Harbor as they make lot more sense than all others on financial media.
This is great to send to both my parents and adult children..... Thank you.
I was googling how to do this over the weekend after watching the last couple of episodes if wealthion…..thanks adam
Thanks so much, this kind of tutorial is fantastic. Getting a basically guaranteed 5% yield is very attractive for those of us who find the current crazy market too risky to invest in. Some people object, "But what if the government defaults?" Well, if we reach that point, we've all got bigger problems than not getting the interest back on our loans...
Wealthion continues to put out lots of great content.
Thank you for posting this explainer video. Decided to try it today, and was very straightforward albeit clunky once I was logged in to the system. Had a few unanswered questions, but they will be resolved in the coming months after doing a trial run. Thank you again.
Purchased I-bonds with your video. It was easy and helpful. A video walking through the process with a brokerage account would be great. Keep the videos coming.
Thank you so much!!! Would love to see more videos on this!
I would be interested in a future video explaining how to invest in the longer term Treasury notes and bonds. Thank you!
Adam, this was awesome. It is a simple process but we always want to make sure that we are doing the right thing when it comes to our money or should I say currency. Thank you.
More of these please!!! Sent to my family super easy how to😊
Thank you for explaining this all so simply ! Easy to understand!
Great video Adam. I would love to see a video on Bonds as well. Thank you for all you do for us investors. Though your channel I have learned so much. Thank you sir!
Thank you so much Adam. This is awesomely clear. Your videos are excellent and always up-to-date! I am a devoted follower!
Yes of course we want to know about notes and bonds as well. This great and exactly what I needed because I was about to do this through my broker and the way he explained it was going to involve some counterparty risk. Let's face it. If the Treasury goes broke, we are all dead meat no matter where our money is. So this is great!
Thanks for this instruction Adam. I look forward to the other purchasing example videos you mentioned "purchasing from brokerage account" and "purchasing longer term notes and bonds."" Again, thanks for all the information your channel provides keep up the great work.
These type videos are extremely interesting and helpful. Thank you. I would like to see more of these!
Excellent video. As I live in Europe I wasn't even sure of the procedure but this video was indespendible. Just like Wealthion has become!
Thank you! That was very helpful and informative.
Yes, I would love to see a video about how to purchase through a brokerage, specifically how it can be done in an IRA.
Thanks again, I’m this on social media.
I want to know this also.Thanks
Thank you….. I was just on the government site 4/5 years ago. No clue but now I understand. Keep teaching us.
Great video. Yes, would love to see more explainer videos. Thank you.
ADAM. This was Brilliant information BIG Thanks For. Your Efforts. 👍👍👍👍👍
Yes keep doing video like this please 👍🏿. I’m not Financial education, but trying to grasp all information I can.
Yes, please! Would love info on how to purchase t-bills through a brokerage! Thanks for all the good info and interviews you've already put out for our benefit. It's much appreciated.
Fantastic! This is the best, the most informative video on T-Bills I've ever seen. Thank you!!!
Thanks for your show re ‘Buy T-Bills direct from the treasury’. More info in this area (Bonds and Notes as well as anything in the PersonalFinance area) is a great help to those of us ‘semi-literates’ trying to educate ourselves after a woefully lacking public education.
Adam, you're the best.
Such a great concise and easy to understand video! Did it! Thank you!
Thank you so much. I didn't have a clear understanding of the discount/interest and how that worked.
Excellent video! Thank you so much. Never knew I could do this until I heard you mention it!
Adam, Thank you so much for this latest explainer video on how to purchase T Bills. Very helpful. Yes please do more explainer videos on how to purchase T Bills through Brookerage accounts. I’m so thankful for your show. I watch all of them. You’re doing an amazing service for us all. You are a powerful interviewer, thank you.
Thank you! My husband and I learned so much from this and have put it into action!! It's feels so good to have something we can put short-term savings in from home and make decisions ourselves without having to call our advisor. Thank you soooooo much for equiping us with this tool! We are saving for a new roof and now that money can work while we save up!!! I'm so thankful God brought you to our attention!
Thank you- great information. Very useful explanation, concise, simple and actionable.
Thank you so much for this video, your explanation was great and simple to understand and very helpful.
Thanks Adam! invested by bidding my first 10K today using the guide in this video
Extremely Helpful! Thanks Adam! Please continue to do more of these 101 videos, can you do one on purchasing Treasury Bonds, or is that the same thing as T Bills?
Thanks Adam. Very informative. First Class.
Very informative ! IMHO Every newbie needs to watch this video !
This was a very informative video. I am clicking the like & subscribe. This guy is amazing at explaining things in simple terms a plumber like me can understand.
Thank you for this video. Please do another one for buying and selling T bills from your brokerage account .
Just call customer service. They will walk you through the process.
This was incredibly thorough! thank you so much for the help!
Awesome explanation! Thank you!!
Thank you Adam!!!! Really helps a lot!
Thank you Adam. Just bought my first T-bill
Thank you for this information. Very helpful.
Excellent video. This is exactly the tutorial that I was looking for. Thanks.
Thank you and thank you! Such a helpful and appreciated video.
Thanks Adam. That was really helpful and much appreciated.
Thank you Adam. This was awesome. I am about to invest a ton of money in this right now!!
Yes, please record a video on notes and bonds too👍
Nice straight-forward concise video. Thanks a lot for sharing!
Deadly stuff thanks Adam, just what I wanted to find out more about as it is daunting to someone new to this. I would definitely appreciate the explanation on t bills through a brokerage account.
Excellent explanation thank your for what you do.
Thank you so much for creating this short video, which is very helpful.
Thank you! Been wanting to buy some t-bills and got an account after watching this video. Easy to understand even for a Luddite like myself.
I love this clear explaination. Thank you
Thank you, Adam! I learn something from very video you do.
Yes more like this great content just subscribed thanks again.
Great Advice,Thanks Adam. Robert Walker
Thank you, Adam !
Adam this was fantastic! Love the channel and please keep up the hard work.
Thank you very much!!
@@Wealthion I'm a little confused on the Auction Query page about the Price per $100 column @11.10. If you purchased $100 at a 4% yield wouldn't you be charged $96 or is my math off somewhere? My first purchase goes through on 3/21 so maybe I'll have my answer then.
The annual yield was around 4.5%, but the maturity in his example is only 4 weeks. That comes out to around 0.35% of the face value of the (4-week) T-bill. That's 4 weeks in a ~52-week year.
In the video, the longer duration bills get "cheaper" (meaning, the amount you earn from that individual T-bill is more because the government needs to borrow your money for longer).
@@nerdlife206 Got it, its 4.5% annualized. Not sure why but I had 4.5% per month in my head. Thank you Robert!
Adam, label these as The Informational Series #1 … (Smart🧐 plus utubes algos will probably pick these up faster, ++ quick-n-many shorts 😉) All The Best Dude
Great video, just what I was looking for!
Great explainer video! I was just explaining this to my daughter who wanted to get more return than BoA was giving. Forwarding her the link to this.
This if fabulous Adam. Thanks MUCH for this
Very helpful. Keep these coming.
Great explanation!
Thank you for this powerful info!
Please give the details for the Notes and Bonds also.
Much Appreciated Adam!
Great video. Thank you Adam!!
Yes I would like to see you show us all these options and specifically around the different risk profile of each product purchase.
Thank you, very informative. Love the content.
Adam, thank you very much on this video tutorial on how to purchase tbills on treasury direct
It’s way easier through Fidelity. You can put an order in and buy at auction. Or you can buy on the secondary market, for a slight discount, but lots of options for structuring ladders. And if you want or need to sell, it is easy to do.
If you want to sell from Treasury Direct, you have to transfer the T bill to a broker.
Me thinketh what a great, concise.......educational video!@!?
Thanks Adam!!!😉
Great video!
Thanks for the video Adam! One question that I have is what if you want to make multiple purchases? For example, multiple auctions with different durations on the same date, do you select the first auction type, amount, and confirm - then will it go back to the start page for selection and repeat? Am preparing for an upcoming auction (first time purchase) and was wondering...
Great, concise video! Thanks for doing this.
Thank you for this information. Seriously.
Great video, sir. Yes, more like this please.
Awesome. Thanks!
Please also make a video explaining how to buy t-bills, directly from the Treasury, but from a brokerage account. This is great content.
Fantastic video! Yes, please do a video on the additional considerations when buying T bills vs notes and bonds and how to use a brokerage platform.