New issue CDs 1y 5.45% - offered by various issuers on Fidelity website
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Thread created 06-26-2023 by Revers3
+20 Score
36 Replies
25,812 Views
seems a money market may go down in a year or so, its a gamble. a cd guarantees you the rate for the full term of a year or whatever. so u can lock it in
New issue CDs 1y 5.45% - offered by various issuers on Fidelity website
Expired
Thread created 06-26-2023 by Revers3
+20 Score
36 Replies
25,812 Views
what happens at the end of 1 year, do we have to sell or something? do we lose anything at that point?
New issue CDs 1y 5.45% - offered by various issuers on Fidelity website
Expired
Thread created 06-26-2023 by Revers3
+20 Score
36 Replies
25,812 Views
If you buy CD for 1 y term, at the end of 1 year, you will get your invested money back plus accrued interest. You don't have to do anything, the money will just show up in your account with...
New issue CDs 1y 5.45% - offered by various issuers on Fidelity website
Expired
Thread created 06-26-2023 by Revers3
+20 Score
36 Replies
25,812 Views
This means that the issuer can recall your CD at those dates, call price is the price that they will recall at.
In simple terms means they have an option to give you your money back with accrued...
New issue CDs 1y 5.45% - offered by various issuers on Fidelity website
Expired
Thread created 06-26-2023 by Revers3
+20 Score
36 Replies
25,812 Views
There are no fees.
You might read one page introduction to Fidelity brokered CD's here:
https://www.fidelity.com/fixed-income-bonds/cds
"New issue offerings are sold at par, which is $1,000 for...
New issue CDs 1y 5.45% - offered by various issuers on Fidelity website
Expired
Thread created 06-26-2023 by Revers3
+20 Score
36 Replies
25,812 Views
I totally agree. I have been doing lot of rinse/repeat lately with 1 month and 2 month TBills on Etrade. Very easy to buy.
New issue CDs 1y 5.45% - offered by various issuers on Fidelity website
Expired
Thread created 06-26-2023 by Revers3
+20 Score
36 Replies
25,812 Views
Is it easier to buy on brokerage websites or go directly to the Treasury Direct website?
New issue CDs 1y 5.45% - offered by various issuers on Fidelity website
Expired
Thread created 06-26-2023 by Revers3
+20 Score
36 Replies
25,812 Views
After purchasing new CD offering, can I sell on secondary market if i want to cash out before maturity?
New issue CDs 1y 5.45% - offered by various issuers on Fidelity website
Expired
Thread created 06-26-2023 by Revers3
+20 Score
36 Replies
25,812 Views
Okay real question. Why go over a CD when 3 month T Bills are yielding the same and you can “redeem” at any time by buying a ETF like BIL or TBIL?
New issue CDs 1y 5.45% - offered by various issuers on Fidelity website
Expired
Thread created 06-26-2023 by Revers3
+20 Score
36 Replies
25,812 Views
Probably because this isn't a financial site. Why not post acreage, commercial buildings, stock prices?
New issue CDs 1y 5.45% - offered by various issuers on Fidelity website
Expired
Thread created 06-26-2023 by Revers3
+20 Score
36 Replies
25,812 Views
Any recommendations for t-bills/bond quick start guide?TIA.
New issue CDs 1y 5.45% - offered by various issuers on Fidelity website
Expired
Thread created 06-26-2023 by Revers3
+20 Score
36 Replies
25,812 Views
You have to have an account with Fidelity there's no minimum balance to open an account and then that information is under the CD area.
Q; Is there a minimum to open a Fidelity account?
A; Zero...
New issue CDs 1y 5.45% - offered by various issuers on Fidelity website
Expired
Thread created 06-26-2023 by Revers3
+20 Score
36 Replies
25,812 Views
https://fixedincome.fidelity.com/ftgw/fi/FILanding#tbcds|treasury|cd-new-issue
New issue CDs by top rates:
CDs
3mo 5.30
6mo 5.30
9mo 5.35
1yr 5.45
1. To explore and buy CD's on Fidelity...
New issue CDs 1y 5.45% - offered by various issuers on Fidelity website
Expired
Thread created 06-26-2023 by Revers3
+20 Score
36 Replies
25,812 Views
Just for reference I have added the longer term CDs rates as of 6/27/2023 offered at Fidelity site.
3mo 5.30
6mo 5.30
9mo 5.35
1yr 5.45
18mo 5.35
2yr 5.35
3yr 5.35
4yr 5.25
New issue CDs 1y 5.45% - offered by various issuers on Fidelity website
Expired
Thread created 06-26-2023 by Revers3
+20 Score
36 Replies
25,812 Views
For callable CDs, can anyone explain what is "Call Price". Example -
Call Date - Call Price - Call Type
09/30/2023 - 100.000 - Par Call
10/30/2023 - 100.000 - Par Call
11/30/2023 - 100.000 - Par...
New issue CDs 1y 5.45% - offered by various issuers on Fidelity website
Expired
Thread created 06-26-2023 by Revers3
+20 Score
36 Replies
25,812 Views
those ratees are APY I'm assuming... but why not post the treasury bills?
New issue CDs 1y 5.45% - offered by various issuers on Fidelity website
Expired
Thread created 06-26-2023 by Revers3
+20 Score
36 Replies
25,812 Views
10yr 5.30 look good
New issue CDs 1y 5.45% - offered by various issuers on Fidelity website
Expired
Thread created 06-26-2023 by Revers3
+20 Score
36 Replies
25,812 Views
Why CDs and not T-bills?
IMHO, CDs are easier to understand and buy. Treasuries require more expertise and understanding of terms like coupon rate, ask to maturity, yield to maturity, treasury...
New issue CDs 1y 5.45% - offered by various issuers on Fidelity website
Expired
Thread created 06-26-2023 by Revers3
+20 Score
36 Replies
25,812 Views
Please, be aware that this rate is for callable CD.
Non-callable or call protected 10y CD rate at Fidelity website is much lower 3.9%.
1. The big rate difference means that the issuers bet that...
New issue CDs 1y 5.45% - offered by various issuers on Fidelity website
Expired
Thread created 06-26-2023 by Revers3
+20 Score
36 Replies
25,812 Views
At charles SCHWAB (non callable):
3mo 5.25
6mo 5.21
9mo 5.43
12mo 5.55
18mo 5.40
New issue CDs 1y 5.45% - offered by various issuers on Fidelity website
Expired
Thread created 06-26-2023 by Revers3
+20 Score
36 Replies
25,812 Views
Is there a fee that fidelity charges for these CD'S like will I get 1000$+apy if I invest 1000$
New issue CDs 1y 5.45% - offered by various issuers on Fidelity website
Expired
Thread created 06-26-2023 by Revers3
+20 Score
36 Replies
25,812 Views
Only touch the 3 m everything else high risk of rates going up even more because real inflation is still much higher than reported. Feds have no choice.
New issue CDs 1y 5.45% - offered by various issuers on Fidelity website
Expired
Thread created 06-26-2023 by Revers3
+20 Score
36 Replies
25,812 Views
I think some of the confusion around T-bills is the fact that you can buy already issued T-bills on the open market. That can be confusing.
Stick with "New Issue" T-bills and they are very easy...
New issue CDs 1y 5.45% - offered by various issuers on Fidelity website
Expired
Thread created 06-26-2023 by Revers3
+20 Score
36 Replies
25,812 Views
I dont find T Bills confusing. You just buy the ones at the federal auctions and hold to maturity. If you are buying 3 or 6 month T Bills it is easy. The onky weird thing is how they price. When...
New issue CDs 1y 5.45% - offered by various issuers on Fidelity website
Expired
Thread created 06-26-2023 by Revers3
+20 Score
36 Replies
25,812 Views
Below is the answer to your question from the Fidelity website (you need to login to see this).
You can find in the maze of attributes:
"Call protection Yes"
To make things simple, after...
New issue CDs 1y 5.45% - offered by various issuers on Fidelity website
Expired
Thread created 06-26-2023 by Revers3
+20 Score
36 Replies
25,812 Views
Callable CDs are typically 0.5% to 1% higher in rate than the non-callable CDs.
Callable vs non-callable might be important for long term CDs 5-20y.
For 1y term callable CD is fine for most...
New issue CDs 1y 5.45% - offered by various issuers on Fidelity website
Expired
Thread created 06-26-2023 by Revers3
+20 Score
36 Replies
25,812 Views
Any links for non-callable CDs at 5.30, please?
New issue CDs 1y 5.45% - offered by various issuers on Fidelity website
Expired
Thread created 06-26-2023 by Revers3
+20 Score
36 Replies
25,812 Views
:applause:
New issue CDs 1y 5.45% - offered by various issuers on Fidelity website
Expired
Thread created 06-26-2023 by Revers3
+20 Score
36 Replies
25,812 Views
5 over 20 years sounds awesome but then again, who knows where we will be in 20.
New issue CDs 1y 5.45% - offered by various issuers on Fidelity website
Expired
Thread created 06-26-2023 by Revers3
+20 Score
36 Replies
25,812 Views
I see JP Morgan Chase CD on Fidelity with 5.5% APY for 13mos and Callable is No.
Call protection: No
Continuously callable: No
this is good, no? it also has FDIC attribute ==> it's insured
New issue CDs 1y 5.45% - offered by various issuers on Fidelity website
Expired
Thread created 06-26-2023 by Revers3
+20 Score
36 Replies
25,812 Views
Yes, this is good.
The CD APY rates are still going up.
New issue CDs 1y 5.45% - offered by various issuers on Fidelity website
Expired
Thread created 06-26-2023 by Revers3
+20 Score
36 Replies
25,812 Views
Overall, lots of good advice. Investing in S&P (SPY, IVV) is very smart thing to do. Start early, think long term, buy and hold, dollar cost averaging. 401k, IRA are the best for that, cash brokerage...
New issue CDs 1y 5.45% - offered by various issuers on Fidelity website
Expired
Thread created 06-26-2023 by Revers3
+20 Score
36 Replies
25,812 Views
The 5.45 percent rate is callable you do not want a callable CD - the non - callable best CD rate is 5.30 as of today.
Callable CD gives the bank option to terminate your CD at any time before...
New issue CDs 1y 5.45% - offered by various issuers on Fidelity website
Expired
Thread created 06-26-2023 by Revers3
+20 Score
36 Replies
25,812 Views
Yes, rates might go up, they are expected to go up. However, in general, the APYs offered have all the known interest rates risk included. There is still variation between issuers, as different banks...
New issue CDs 1y 5.45% - offered by various issuers on Fidelity website
Expired
Thread created 06-26-2023 by Revers3
+20 Score
36 Replies
25,812 Views
I'm looking at 17 week, 26 week and 52 week Treasury Bills. They have gr8 rates. You can do the auction where you are blind to what the rate will be, but know that it will be great- for now anyway....
New issue CDs 1y 5.45% - offered by various issuers on Fidelity website
Expired
Thread created 06-26-2023 by Revers3
+20 Score
36 Replies
25,812 Views
Question: Why do CDs when there are money markets doing about the same APR?
New issue CDs 1y 5.45% - offered by various issuers on Fidelity website
Expired
Thread created 06-26-2023 by Revers3
+20 Score
36 Replies
25,812 Views
I don't see an issue with the cd getting called because you still get your interest up to that date. IF the cd gets called, the market condition is probably better for putting money back into the...
