目前CD利息很低，建议几个免税(Tax free)的债券，可以供储蓄用。

目前CD利息很低，建议几个免税(Tax free)的债券，可以供储蓄用。高收入家庭也可
以考虑。

现金账户上买，当储蓄和应急用。要增值和在退休账户上，建议买指数基金比较好。

Fidelity Tax-Free Bond Fund (FTABX)
    
YTD(1/18/2013)     0.86%
1 Year*            8.18%
3 Year*            7.00%
5 Year*            6.04%
10 Year*          5.30%
Life*                5.76%

Fidelity Municipal Income Fund (FHIGX)

1 Year*            7.92%
3 Year*            7.00%
5 Year*            5.74%
10 Year*           5.07%
Life*              6.71%

Fidelity Intermediate Municipal Income Fund (FLTMX)

1 Year*            4.95%
3 Year*            5.16%
5 Year*            4.99%
10 Year*           4.45%
Life*              5.95%

Other state bonds in Fidelity:

Fidelity California Municipal Income Fund (FCTFX)

Fidelity Arizona Municipal Income Fund (FSAZX)

Fidelity Massachusetts Municipal Income Fund (FDMMX)

Fidelity Ohio Municipal Income Fund (FOHFX)

Fidelity Pennsylvania Municipal Income Fund (FPXTX)

Fidelity New York Municipal Income Fund (FTFMX)

Fidelity New Jersey Municipal Income Fund (FNJHX)

Fidelity Michigan Municipal Income Fund (FMHTX)

Fidelity Maryland Municipal Income Fund (SMDMX)

Fidelity Minnesota Municipal Income Fund (FIMIX)

Fidelity Connecticut Municipal Income Fund (FICNX)

Fidelity California Short-Intermediate Tax-Free Bond Fund (FCSTX)

The tax free bonds in Vanguard:

California Long-Term Tax-Exempt     VCITX

YTD Performance  1.19%
1 Year*          8.92%
5 Year*          5.42%
10 Year*         4.67%
Life*            6.51%

Long-Term Tax-Exempt     VWLTX

YTD Performance     1.03%
1 Year*             8.92%
5 Year*             5.67%
10 Year*            4.84%
Life*               6.21%

Florida Focused Long-Term Tax-Exempt      VFLTX

YTD Performance     1.00%
1 Year*             7.61%
5 Year*             5.69%
10 Year*            4.86%
Life*               6.03%

Ohio Long-Term Tax-Exempt     VOHIX

YTD Performance     0.96%
1 Year*             7.47%
5 Year*             5.67%
10 Year*            4.85%
Life*               6.33%

New Jersey Long-Term Tax-Exempt     VNJTX

YTD Performance     0.98%
1 Year*             7.09%
5 Year*             5.26%
10 Year*            4.63%
Life*               6.36%

New York Long-Term Tax-Exempt     VNYTX

YTD Performance     1.01%
1 Year*             6.94%
5 Year*             5.29%
10 Year*            4.58%
Life*               6.40%

Pennsylvania Long-Term Tax-Exempt     VPAIX

YTD Performance     0.86%
1 Year*             6.94%
5 Year*             5.26%
10 Year*            4.608%
Life*               6.35%

California Intermediate-Term Tax-Exempt  VCAIX

YTD Performance     0.92%
1 Year*             6.63%
5 Year*             5.29%
10 Year*            4.25%
Life*               5.27%

Massachusetts Tax-Exempt     VMATX

YTD Performance     0.98%
1 Year*             6.46%
5 Year*             5.42%
10 Year*            4.72%
Life*               4.93%

Intermediate-Term Tax-Exempt     VWITX    

YTD Performance     0.77%
1 Year*             5.7%
5 Year*             5.43%
10 Year*            4.49%
Life*               5.80%

所有跟帖： 

• 谢谢，收藏了。 -H&CMom- ♀ (0 bytes) () 01/20/2013 postreply 08:44:50

• 谢谢！ 免税退休帐户除外。先考虑现金帐户。 -美西游子- ♀ (0 bytes) () 01/20/2013 postreply 08:45:08

• 说得更明白点。 大家常说，“让银行的钱贬值” -美西游子- ♀ (206 bytes) () 01/20/2013 postreply 08:52:15

• 怎么个买法？在退休账户上买吗？ -申巷九- ♀ (0 bytes) () 01/20/2013 postreply 08:56:38

• 现金账户上买，当储蓄用。在退休账户上，买指数基金比较好。 -tianyazi- ♂ (59 bytes) () 01/20/2013 postreply 09:02:53

• 参考美西的 -H&CMom- ♀ (0 bytes) () 01/20/2013 postreply 09:03:35

• 多谢！ -申巷九- ♀ (0 bytes) () 01/20/2013 postreply 12:19:49

• 将遵照执行。多谢如此有用信息！ -KnowAll- ♂ (0 bytes) () 01/20/2013 postreply 09:59:19

• 我一直有两只bond fund， EIV和EVM，年分红5%+， 免税 -丁丁在美洲- ♂ (0 bytes) () 01/20/2013 postreply 10:47:00

• 利率一旦涨债券会暴跌 -亚利桑那阳光- ♀ (63 bytes) () 01/20/2013 postreply 10:56:35

• 为什么ytd和historic performance差那么多呢？ -wanttofly- ♀ (99 bytes) () 01/20/2013 postreply 11:01:27

• 今年才20天回报当然低 -十年之前- ♀ (0 bytes) () 01/20/2013 postreply 11:09:54

• already >CD return even in 20 days! -tianyazi- ♂ (0 bytes) () 01/20/2013 postreply 11:37:24

• 但是annual return不等于今天的ytd 乘以18啊？ -wanttofly- ♀ (0 bytes) () 01/20/2013 postreply 19:25:38

• regular return about 4-6% a year for tax-free bonds. if want hig -Tianyazi- ♂ (42 bytes) () 01/20/2013 postreply 19:36:27

• 提个醒 -DeanNg- ♂ (238 bytes) () 01/20/2013 postreply 13:12:16

• is selling long term tresury bonds, not the tax-free bonds! was -Tianyazi- ♂ (0 bytes) () 01/20/2013 postreply 14:36:36

• 什么级别的债券，回报这麽高？单价呢，高于发行价多少？决定了你的risk. -怀着我的梦想- ♀ (0 bytes) () 01/20/2013 postreply 14:38:56

• long term treasury bonds: was up to 40%, fell to 12% return las -tianyazi- ♂ (46 bytes) () 01/20/2013 postreply 16:55:33

• 这些变现能力如何？ -fay大道- ♀ (19 bytes) () 01/20/2013 postreply 22:37:55

• 谢谢推荐, 准备买一些. -西湖醋鱼- ♀ (0 bytes) () 01/22/2013 postreply 13:34:12