Fidelity brokered CD 6m rate 3.5 - 4%，fidelity adviser 电话上谈到

昨天问时，fidelity adviser 电话上谈到CD rate going up quickly， will go up soon as Fed rates just did. So it may make sense not all in. 如果CD rate 再上 0.5 -1%，相当于一二个月利息收入了。买CD 倒是容易，只需不到一分钟。

Fidelity brokered CD 是 FDIC protected，40 万放进去部分不保呵。

 

 

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  RATES AS OF 1:06 PM ET 09/23/2022

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New issue CDs by top rates:

All CDs	3mo 3.40	6mo 3.95	9mo 4.00	1yr 4.05	18mo 4.20	2yr 4.25	3yr 4.35	4yr 4.40	5yr 4.50	10yr   --	20yr   --

• New Issue CDs
•  
• Secondary CDs

6-Month New Issue CDs: 16

  AS OF 09/23/2022 AT 01:09 P.M. ET

Attributes LegendCD Disclosure Document Fractional CD

 

Select Action	Description	Coupon	Coupon Frequency	Maturity Date	Fractional CD	Yield	Call Protected	Settlement Date	Quantity Available	Attributes	Period
	NORTHPOINTE BANK	4.000	AT MATURITY	03/27/2023	No	4.000	Yes	09/27/2022	1	CP SFP FDIC SO	6 MO
	WELLS FARGO BANK NA	4.000	AT MATURITY	03/30/2023	No	4.000	Yes	09/30/2022	10	CP SFP FDIC SO	6 MO
	CAPITAL ONE BANK NA	3.950	AT MATURITY	03/30/2023	No	3.950	Yes	09/30/2022	2,776	CP SFP FDIC SO	6 MO
	STATE BANK OF INDIA	3.900	AT MATURITY	03/30/2023	No	3.900	Yes	09/30/2022	10	CP SFP FDIC SO SKY	6 MO
	BANK HAPOALIM B.M.	3.900	AT MATURITY	03/30/2023	No	3.900	Yes	09/30/2022	3	CP SFP FDIC SO SKY	6 MO
	VALLEY NATIONAL BANK	3.900	AT MATURITY	04/03/2023	No	3.900	Yes	10/03/2022	2	CP SFP FDIC SO	6 MO
	FIRST REPUBLIC BANK	3.900	AT MATURITY	04/03/2023	No	3.900	Yes	09/29/2022	47,144	CP SFP FDIC SO	6 MO
	BEAL BANK USA	3.800	AT MATURITY	04/05/2023	No	3.800	Yes	10/05/2022	6,394	CP SFP FDIC SO SKY	6 MO
	INDUSTRIAL & CMRL BK OF CHINA	3.750	AT MATURITY	04/03/2023	No	3.750	Yes	10/03/2022	2,102	CP SFP FDIC SO	6 MO

所有跟帖： 

• 3m CD 3.4%。 -三河匹夫- ♂ (0 bytes) () 09/23/2022 postreply 10:34:51

• 网上open fidelity account，转些进去到 cash account。我是公司401k 自动加的。 -三河匹夫- ♂ (0 bytes) () 09/23/2022 postreply 10:37:31

• 如果会网上操作的，去美国财政部的网站直接买短期国债，利率好而且免联邦所得税。给大家一个链接。 -hhtt- ♂ (76 bytes) () 09/23/2022 postreply 10:44:02

• Fidelity 也可以买。Total Bonds Found: 582 -三河匹夫- ♂ (0 bytes) () 09/23/2022 postreply 10:46:56

• 中国工商银行CD 3.75%，在这也能买。 -三河匹夫- ♂ (0 bytes) () 09/23/2022 postreply 10:53:04

• , -randomness- ♀ (0 bytes) () 09/23/2022 postreply 10:56:48

• 记得一个月前 6 m rate 3.4% 左右。 -三河匹夫- ♂ (0 bytes) () 09/23/2022 postreply 10:59:51

• 3个月前 3个月是2.1% 6个月是2.5% 现在长得太多了。 -sji- ♂ (0 bytes) () 09/23/2022 postreply 11:09:13

• 1980年三月，6 month CD 是 18%。 -BeLe- ♀ (303 bytes) () 09/23/2022 postreply 11:18:03

• inflation ～20%。 -三河匹夫- ♂ (0 bytes) () 09/23/2022 postreply 11:20:23

• 如果是10年18%的话就砸锅卖铁All in. -sji- ♂ (0 bytes) () 09/23/2022 postreply 11:23:37

• 现实是 4.5%。 -三河匹夫- ♂ (0 bytes) () 09/23/2022 postreply 11:24:45

• 这个好，股市撤出来的就投它一阵子吧 -新年好运- ♀ (0 bytes) () 09/23/2022 postreply 11:26:22

• 找不到4%的“6-Month New Issue CDs: 16”呀 -zzhhii2020- ♂ (72111 bytes) () 09/23/2022 postreply 14:24:45

• 敲左边 CDs， 选 new issue --》6month -三河匹夫- ♂ (0 bytes) () 09/23/2022 postreply 14:28:23

• Only insured 250K by FDIC, so buy gov't bond? similar rate? -Lucki32- ♀ (0 bytes) () 09/24/2022 postreply 15:33:52