question: etrade treasure t-bills and TD AmeriTrade CD

来源: joyjoy1 于 2023-02-07 07:23:26 [] [博客] [旧帖] [给我悄悄话] 阅读数 : (709 bytes)

I bought 1k tras t-bills at 2/6/2023 showing yield 3.4, 2/15/2023 maturity, price 999.88, but when I paid, it should accured interest 9.57, so I paid 1009.45. How much will I get at 2/15/2023? I read some article said it only returns face value of 1000. Why I have to pay accured interest? will I lose $9?

The same thing happened in CD at TD AmeriTrade, 3.8% from Ally bank, materity date 2/17/2023, 1k, it charged 1000.89+8.86 interest, total 1009.53, when will I get back at 2/17/2023?

I searched online but cannot find info about arrcured interest.

They are all retirement accounts.

It is my first time to buy. Please help me. Thanks a lot.

 

所有跟帖： 

• 你2月6日买2月15日到期的国债？赚9块钱？为什么？ -hhtt- ♂ 给 hhtt 发送悄悄话 hhtt 的博客首页 (0 bytes) () 02/07/2023 postreply 07:33:32

• what is this accrued interest? -joyjoy1- ♀ 给 joyjoy1 发送悄悄话 joyjoy1 的博客首页 (502 bytes) () 02/07/2023 postreply 08:57:08

• 你买的肯定不是 treasury bill，你买的是2手的 note or bond -slow_quick- ♂ 给 slow_quick 发送悄悄话 slow_quick 的博客首页 (0 bytes) () 02/07/2023 postreply 09:13:50

• 如果有 accrued interest，那就不是 T-bill。你还是写中文吧，英文错字太多很难理解 -slow_quick- ♂ 给 slow_quick 发送悄悄话 slow_quick 的博客首页 (123 bytes) () 02/07/2023 postreply 09:11:27

• 912828UN8-CUSIP, trade date 2/6/2013 -joyjoy1- ♀ 给 joyjoy1 发送悄悄话 joyjoy1 的博客首页 (54334 bytes) () 02/07/2023 postreply 11:43:37

• 你这在瞎搞什么？在二级市场买美国十年期的国债只差一个礼拜就到期了！我这破唱片再为你放一遍？买新发行的少于一年期的国债！！ -hhtt- ♂ 给 hhtt 发送悄悄话 hhtt 的博客首页 (0 bytes) () 02/07/2023 postreply 11:46:38

• 短期国债每个礼拜都有一次新发行的，利息都在4.5%到4.9%之间。我说过10年期到5%就买，可就是不上去。 -hhtt- ♂ 给 hhtt 发送悄悄话 hhtt 的博客首页 (0 bytes) () 02/07/2023 postreply 11:49:44

• slow_quick, thanks. Sorry for not typing Chinese. -joyjoy1- ♀ 给 joyjoy1 发送悄悄话 joyjoy1 的博客首页 (245 bytes) () 02/07/2023 postreply 11:52:39

• 如果是这样，你现在应该买入股市！我从去年下半年就一直在叫，股市是大减价，应该买入！今天我不能说是大减价，只是减价！ -hhtt- ♂ 给 hhtt 发送悄悄话 hhtt 的博客首页 (0 bytes) () 02/07/2023 postreply 11:56:53

• 股市大减价是大盘跌了25%，今天大盘只比最高点下调了14%。如果你在去年下半年买入股市，平均回报有个10%，好的有15% -hhtt- ♂ 给 hhtt 发送悄悄话 hhtt 的博客首页 (0 bytes) () 02/07/2023 postreply 12:06:08

• hhtt, I followed the rule you said the last year.. -joyjoy1- ♀ 给 joyjoy1 发送悄悄话 joyjoy1 的博客首页 (61 bytes) () 02/07/2023 postreply 13:07:17

• Accrued Interest and the Bond Market -Leo5568- ♂ 给 Leo5568 发送悄悄话 (1444 bytes) () 02/07/2023 postreply 09:39:09

• Thank you. I understood now -joyjoy1- ♀ 给 joyjoy1 发送悄悄话 joyjoy1 的博客首页 (64 bytes) () 02/07/2023 postreply 11:46:38

• Thank you so much. -joyjoy1- ♀ 给 joyjoy1 发送悄悄话 joyjoy1 的博客首页 (130 bytes) () 02/07/2023 postreply 12:05:47

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