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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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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
i have a vanguard after tax brokerage acct. i plan on buying from here:
https://personal.vangua
so when interest rates start going down, break the rollover cycle and move into a cd?
at the end, you'll have 3 cd's at 13 weeks apart?
edit:
what's this about tbill auctions vs secondary market in the 'Treasuries' tab?
which should i pick?
i have a vanguard after tax brokerage acct. i plan on buying from here:
https://personal.vangua
so when interest rates start going down, break the rollover cycle and move into a cd?
at the end, you'll have 3 cd's at 13 weeks apart?
edit:
what's this about tbill auctions vs secondary market in the 'Treasuries' tab?
which should i pick?
i have a vanguard after tax brokerage acct. i plan on buying from here:
https://personal.vangua
so when interest rates start going down, break the rollover cycle and move into a cd?
at the end, you'll have 3 cd's at 13 weeks apart?
edit:
what's this about tbill auctions vs secondary market in the 'Treasuries' tab?
which should i pick?
The next auction for the 4-week T-Bill will not show up on Fidelity's page until the Announcement date of 2/28
at the end, you'll have 3 cd's at 13 weeks apart?
If we were that smart, we'd all be very rich.
If we were that smart, we'd all be very rich.
or are you saying something different?
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or are you saying something different?
they rose when the fed actually increased the interest rate.
from that, when the fed implements their first interest rate decrease and forecasts future decreases, i'm getting out of t-bills.
hm.. if interest rates drop, then bonds look attractive.
switch to a bond ladder?
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]
https://www.treasurydir
As for the lack of purpose aspect, LOL, I'm beyond content with my contributions and that will only continue.
If we were that smart, we'd all be very rich.
If you really knew (and nobody else did) when rates on Treasury bonds were going to fall then you could make some coin on it. (Good luck with that)
Sign up for a Slickdeals account to remove this ad.
If you really knew (and nobody else did) when rates on Treasury bonds were going to fall then you could make some coin on it. (Good luck with that)
If I knew, I would be retired and living in Monte Carlo. :-)