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Capital One: 11-Month 360 CD Expired
5% APY
(No Minimum Deposit)
Update: this extremely popular deal is still available.
Capital One is offering a 11-Month 360 Certificate of Deposit at 5% APY with no minimum deposit.
Thanks to Community Member ginger_ale for finding this deal.
Capital One is offering a 11-Month 360 Certificate of Deposit at 5% APY with no minimum deposit.
Thanks to Community Member ginger_ale for finding this deal.
Original Post
Written by
Edited February 24, 2023
at 12:11 AM
No minimum balance required.
Expires 3/15/23
https://www.capitalone.
Full CD Disclosure
https://www.capitalone.
Expires 3/15/23
https://www.capitalone.
Full CD Disclosure
https://www.capitalone.
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When they offer the new 4 week and 8 week and 13 week t-bill (they auction on diff days and diff weeks) go in and buy one of each of them with whatever money you can spare. Let's use 5k for each.
I would buy a 4 week t-bill with NO Rollover for 5k
I would buy an 8 week t-bill with NO Rollover for 5k
I would buy a 13 week t-bill WITH Rollover for 5k
Then after 4 weeks when that first on comes up, buy another 13 week t-bill with the 5k WITH Rollover.
Then after 8 weeks when the second comes up, buy another 13 week t-bill with the 5k WITH Rollover.
Now you will have 3 13 week t-bills rolling every 4 weeks or so and rolling into a new one with the proceeds. This way every 4 weeks you are capturing an increasing rate and not locked into anything longer than 13 weeks. You benefit from the rate hikes, can cash out at any time, and you have state tax shelter from the earned interest.
I can almost guarantee that the above will yield you more net income (taking in tax break) at the end of 11months then the 5% locked CD
just my 2cents
Fidelity Fixed Income Page [fidelity.com]
Follow the above link and scroll down to the row "U.S. Treasury." Choose the duration you want and click on it. You can then click "buy" to start a trade of a specific treasury bill/bond.
Fidelity's Intro to Treasuries [fidelity.com]
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This means inflation up.
they tanked oil prices without dropping gas prices by that much.
oil may need to go below 50 dollars if they want to decrease inflation further.
otherwise food inflation and rent inflation are too high.
wages need to go up another 20%
Can I buy these t-bills using my Roth IRA account or do we need a normal trading account with fidelity..and will I be able to take money out?
you can even forgo rent.
if a guy just van life explore etc and save as much rent money as you can
Car dealers are also going bankrupt.
wait to buy anything try your best to fix them.
if you do want to settle down the markets are going to have to come back to common sense.
so you can used the saved rent money to buy land invest etc and not deal with it anymore.
The inflation bonds were still the best deal imo its safe for the next 3-4 years. inflation isn't coming down.
but they don't pay higher than inflation.
a million dollars at 6-10% is 60k-100k.
more than enough. The highest cost is really rent. afterwards food/energy/medicine.
Take care of yourself if you want to minimize medical costs.
Everything else in the economy does not matter we do not need to buy apple/macs luxury goods.
Also unless wages pay at least rent there is no reason to work.
It's basically slavery if rent/property values is higher than work produced or generated.
IMO one should invest in DIY skills and cut out all other parties unless necessary.
ALSO These CDS are mainly for those that do not know how to use treasury direct and other platforms.
Educate yourself and be your own bank!
Definitely do not trust investment advice from media or banks.
Small difference, but still worth keeping in mind.
Small difference, but still worth keeping in mind.
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Stocks belong in IRAs.
Bonds belong in taxable accounts.
Small difference, but still worth keeping in mind.
I live in a state with no income tax, South Dakota. Am I missing something other than the ability to re-invest every 4,8,17 weeks if rates go up to go the T-Bill route vs this 11month CD??
Stocks belong in IRAs.
Bonds belong in taxable accounts.
So what kind of account we need at fidelity from which we can buy these?
you can even forgo rent.
if a guy just van life explore etc and save as much rent money as you can
Car dealers are also going bankrupt.
wait to buy anything try your best to fix them.
if you do want to settle down the markets are going to have to come back to common sense.
so you can used the saved rent money to buy land invest etc and not deal with it anymore.
The inflation bonds were still the best deal imo its safe for the next 3-4 years. inflation isn't coming down.
but they don't pay higher than inflation.
a million dollars at 6-10% is 60k-100k.
more than enough. The highest cost is really rent. afterwards food/energy/medicine.
Take care of yourself if you want to minimize medical costs.
Everything else in the economy does not matter we do not need to buy apple/macs luxury goods.
Also unless wages pay at least rent there is no reason to work.
It's basically slavery if rent/property values is higher than work produced or generated.
IMO one should invest in DIY skills and cut out all other parties unless necessary.
ALSO These CDS are mainly for those that do not know how to use treasury direct and other platforms.
Educate yourself and be your own bank!
Definitely do not trust investment advice from media or banks.
I've been procuring I-Bonds since Q4 '21.
I have absolutely zero debt, have been mortgage free since 2013, own a reliable vehicle 100%, and am a credit card/bank bonus churning whore.
Each trip I take won't be any longer than ~5 wks, for that's the longest I can tolerate being away from "home."
Just this morning, I opened up an account with CFG Bank that'll pay me 4.55% APY on $250k (remaining savings are in an account at 4.2% APY).
I do have some $ in the stock market that I'm toying around with, but otherwise, I am so incredibly risk adverse it's not even funny.
Thank you for the wise words and encouragement!
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this webpage explains it https://www.wallstreetp