Skip to main content
No. of Recommendations: 2

I may need to be satisfied with lower yields

I think this is your best starting position. As you said in you first post your stated goal is to "save" which is a different goal than capital appreciation.

If we go here

and play around with maturities you might find some other options. With the FDIC shutting folks down it might be a good idea to do a little research on any bank offering above average rates.

Looking here(scroll down to the fixed rate chart)

and you will find that current fixed rate isn't very favorable for an instrument designed to be held 5 or more years.
If you redeem I Bonds before they’re five years old, you'll forfeit the three most recent months’ interest; at or after 5-years old, you won’t be penalized.

Quick peak at Treasury rates and we see 3yr @ 1.46 and 5yr @ 2.47; zeros have a few basis bump above those.

all of the above is intended to get your feet wet so you can do your own research.

Print the post  


What was Your Dumbest Investment?
Share it with us -- and learn from others' stories of flubs.
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.