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You don't have access to any interest until you're invested for a year, and then lose the last three months interest if you cash out before holding for 5 years. It would make sense that your bond shows no return yet.
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Apr 13, 2022 16:06
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Mons Hubris posted:This is probably a dumb question, but I got a $10,000 I-bond in December 2021, and on Treasury Direct it still shows up as $10,000. Does the value not update until the first 6 months has passed? When you log into the TD homepage, you need to click on the bond to get more details. The $10k I bought in December is now showing a value of $10,060.
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Apr 13, 2022 16:07
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spf3million posted:When you log into the TD homepage, you need to click on the bond to get more details. The $10k I bought in December is now showing a value of $10,060. Ah ok, I see that now. Thanks!
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Apr 13, 2022 16:12
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Can you buy I bonds through an IRA?
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Apr 13, 2022 16:12
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nelson posted:Can you buy I bonds through an IRA? Through normal channels, no. It is probably possible to set up some sort of trust for this purpose but that seems like a lot of work to waste IRA space on a product that's partially tax-advantaged anyway.
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Apr 13, 2022 16:30
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How do I um... do investing as like a retail investor. I don't have access to a Bloomberg terminal anymore or any of my models or anything like what the gently caress do I go on yahoo finance and use search terms? I'm not like going to spend a bunch of time searching for alpha right now, I don't have enough capital that it's worth my time, but I did want to find some stable high div yield stocks (yes I know the tax implications).
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Apr 13, 2022 16:47
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Mons Hubris posted:Ah ok, I see that now. Thanks! And for 5 years, you will see the value minus 3 months of interest. So that $10,060 you see would actually be worth about $10,180 at this point if you don’t redeem early.
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Apr 13, 2022 16:52
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pseudanonymous posted:How do I um... do investing as like a retail investor. I don't have access to a Bloomberg terminal anymore or any of my models or anything like what the gently caress do I go on yahoo finance and use search terms? Just index. Yes you know the tax implications, but no, you don’t know why you should even be doing this in the first place.
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Apr 13, 2022 16:54
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pseudanonymous posted:How do I um... do investing as like a retail investor. 80k posted:Just index. Yes you know the tax implications, but no, you don’t know why you should even be doing this in the first place. quote:I don't have access to a Bloomberg terminal anymore or any of my models or anything like what the gently caress do I go on yahoo finance and use search terms? I have so many questions.
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Apr 13, 2022 16:59
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pseudanonymous posted:How do I um... do investing as like a retail investor. I don't have access to a Bloomberg terminal anymore or any of my models or anything like what the gently caress do I go on yahoo finance and use search terms? Now this is a roller coaster of a post.
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Apr 13, 2022 17:22
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pseudanonymous posted:How do I um... do investing as like a retail investor. I don't have access to a Bloomberg terminal anymore or any of my models or anything like what the gently caress do I go on yahoo finance and use search terms? I’d say go elsewhere but I think you desperately need the lessons from this thread.
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Apr 13, 2022 17:33
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80k posted:Just index. Yes you know the tax implications, but no, you don’t know why you should even be doing this in the first place. Can you just answer the question and not assume you know more than me? I was a buy-side analyst and have a master's degree which was a 45% / 45% split between finance and accounting, I know exactly why I want to do what I want to do. What I don't know is what are good websites to use to get data without access to things like a Bloomberg terminal or paid subscription services or things like that that I just had as a result of my job when I did loving stock analysis. I really appreciate your deep need to know more than everyone, but thanks, I very much understand why I want what I want and I don't just want index funds.
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Apr 13, 2022 17:40
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OP: help, I need help, I know very little and would appreciate help Goons: here you go OP: don't act like you know more than me, I have a Masters in this field
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Apr 13, 2022 17:54
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pseudanonymous posted:Can you just answer the question and not assume you know more than me? I was a buy-side analyst and have a master's degree which was a 45% / 45% split between finance and accounting, I know exactly why I want to do what I want to do. just ignore everyone in here and go for it, you're gonna do great
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Apr 13, 2022 18:03
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pseudanonymous posted:I was a buy-side analyst and have a master's degree which was a 45% / 45% split between finance and accounting, I know exactly why I want to do what I want to do. what was the other 10% op
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Apr 13, 2022 18:05
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raminasi posted:what was the other 10% op shitposting. that was the valuable part that can be used in the real world
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Apr 13, 2022 18:08
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Long Term investing is passive and requires no real information aside from picking a broker and loading up on very low fee index funds. You want the gambling thread. I use WeBull and can subscribe to various real time data feeds and pretend I know what I'm doing with TA in their app. https://forums.somethingawful.com/showthread.php?threadid=3259986&pagenumber=2645#lastpost
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Apr 13, 2022 18:10
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Long Term Investing & Retirement: a 45% / 45% split between finance and accounting
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Apr 13, 2022 18:11
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Long Term Investing & Retirement: buy-side with a master's
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Apr 13, 2022 18:16
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"Moving from driving a container ship to a rowboat, any advice? Also, gently caress you."
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Apr 13, 2022 18:19
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raminasi posted:what was the other 10% op It was bullshit, have you ever done an advanced degree? You're always forced into some bullshit.
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Apr 13, 2022 18:22
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pseudanonymous posted:It was bullshit, have you ever done an advanced degree? You're always forced into some bullshit. Yea man I did 2 last week
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Apr 13, 2022 18:25
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skipdogg posted:Long Term investing is passive and requires no real information aside from picking a broker and loading up on very low fee index funds. Thank you, I missed that thread. Really that's all I needed. I do really appreciate the 10 dipshits chiming in as if someone wanting to do some investing on top of their long-term stuff is somehow wrong or bad. (USER WAS PUT ON PROBATION FOR THIS POST)
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Apr 13, 2022 18:35
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pseudanonymous posted:It was bullshit, have you ever done an advanced degree? You're always forced into some bullshit. gotta admit, this is very true and makes the rest of his posts more credible
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Apr 13, 2022 18:40
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pseudanonymous posted:Thank you, I missed that thread. Really that's all I needed. As long as you know it’s gambling then go for it. It’s wrong or bad if you think you can time the market. You mentioned high dividend yields , here is Vanguards high dividend yield ETF (also available as a mutual fund). https://investor.vanguard.com/etf/profile/overview/VYM I do not know what the tax implications are if you get that in a taxable account for the record. My Roth and reg 401k re invest all dividends. I legit will maybe get the mutual fund of this at some point just for kicks, but honestly it looks like the standard Large Cap just with a smaller amount of said large companies in the mix.
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Apr 13, 2022 19:38
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pseudanonymous posted:What I don't know is what are good websites to use to get data without access to things like a Bloomberg terminal or paid subscription services or things like that that I just had as a result of my job when I did loving stock analysis. I just use Orlando the stock picking cat. Do you want their contact info? You do have to pay for for the toy mouse for him to throw at the grid of companies, this may be out of your price range.
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Apr 13, 2022 19:43
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Active management of quickly moving ETFs is not really investment.
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Apr 13, 2022 19:55
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Going to buy some i bonds before the 28th to essentially lock in an 8.37% rate for the next 12 months. Even if I eat the 3 month penalty before 5 years it's worth it. Hopefully the rate tanks soon after!
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Apr 13, 2022 21:06
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Loan Dusty Road posted:Going to buy some i bonds before the 28th to essentially lock in an 8.37% rate for the next 12 months. Even if I eat the 3 month penalty before 5 years it's worth it. Hopefully the rate tanks soon after!
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Apr 13, 2022 21:20
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Definitely, I was just alluding to hoping inflation doesn’t stay high for the next decade and comes back down sooner than later.
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Apr 13, 2022 21:45
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Hello I'm here with a stupid newbie question. I am a teacher and will get a nice pension, I have a Roth IRA I throw $6k in every year. I'm good right? Should I be saving more for retirement?
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Apr 14, 2022 01:19
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Jows posted:It's ok. Everyone else is losing money, too! Hope you're looking forward to your 2% raise this year! 
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Apr 14, 2022 02:13
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Hawkperson posted:Hello I'm here with a stupid newbie question. I am a teacher and will get a nice pension, I have a Roth IRA I throw $6k in every year. I'm good right? Should I be saving more for retirement? That depends on how much money you will need in retirement, how much your pension will pay, the risk that your pension may be handicapped/gone by the time you're drawing on it, likelihood you will remain in that pension system long enough to be fully vested, etc.
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Apr 14, 2022 02:20
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Motronic posted:That depends on how much money you will need in retirement, how much your pension will pay, the risk that your pension may be handicapped/gone by the time you're drawing on it, likelihood you will remain in that pension system long enough to be fully vested, etc. 1) I’m young enough that I feel like the only answer is “who the gently caress knows,” 2) calculator estimates ~10k/month, 3) I’m in CA so I feel like I’m relatively safe from that? But who knows, 4) I’m a long hauler for sure lol.
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Apr 14, 2022 03:26
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Hawkperson posted:Hello I'm here with a stupid newbie question. I am a teacher and will get a nice pension, I have a Roth IRA I throw $6k in every year. I'm good right? Should I be saving more for retirement? The $6k you throw into a Roth IRA... what is it invested in? Target date fund? S&P 500? World-dominating stocks?
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Apr 14, 2022 03:30
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Loan Dusty Road posted:Going to buy some i bonds before the 28th to essentially lock in an 8.37% rate for the next 12 months. Even if I eat the 3 month penalty before 5 years it's worth it. Hopefully the rate tanks soon after! I just bought this years as well. I don't think I will get anymore in the future though. Basically calling it part of my emergency fund. Having 1/2 in there sems like enough.
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Apr 14, 2022 03:33
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Space Fish posted:The $6k you throw into a Roth IRA... what is it invested in? Target date fund? S&P 500? World-dominating stocks? The vanguard 2050 target thing
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Apr 14, 2022 03:34
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If you have a decent pension coming I'd consider going all stocks. Like 70/30 US/International split.
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Apr 14, 2022 04:29
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Hawkperson posted:The vanguard 2050 target thing This is Good. It's a good thing to do. You may be able to grow the money faster by going 100% stock funds if that's a risk you are comfortable with, but you are definitely doing a good thing and it'll serve you well if you keep maxing out your IRA and leave it right there. If you have extra money beyond your emergency fund, your short to medium-term goals will determine the best place for that money to go.
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Apr 14, 2022 04:59
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Assuming you're holding bond ETFs or funds, and the interest rates change significantly, how does that impact the value and dividends paid by the fund/ETF?
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Apr 14, 2022 14:26
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