Tom qab cov ntaub ntawv muag khoom ntawm I-daim ntawv cog lus thaum Lub Kaum Hli, US Treasury tab tom dangling lwm qhov zoo nyob rau hauv pem hauv ntej ntawm savers rau rau lub hlis tom ntej.
Pib txij lub Kaum Ib Hlis 2, thaum I-daim ntawv cog lus yuav rov muaj dua tom qab kev saib xyuas qhov chaw ntawm TreasuryDirect.gov, tus nqi nce nqi-hloov txhua xyoo yuav yog 6.48%, nqis los ntawm 9.62%. Tab sis kuj yuav muaj ib tug 0.4% taag tus nqi, ib lub pob los ntawm xoom, qhov twg nws tau nyob txij li xyoo 2020. Tus nqi sib koom ua ke yuav yog txhua xyoo ntawm 6.89%, muaj nyob rau lub Plaub Hlis.
Tus nqi ruaj khov thaum lub sijhawm yuav khoom yuav nyob nrog daim ntawv cog lus ntev npaum li koj tuav nws - txog li 30 xyoo - tab sis kev hloov pauv nyiaj rov qab txhua txhua rau lub hlis hauv Kaum Ib Hlis thiab Tsib Hlis.
Koj tuaj yeem yuav tau txog $ 10,000 rau ib tus neeg hauv ib lub xyoo dhau los ntawm TreasuryDirect.gov, ntxiv rau $ 5,000 ntxiv rau hauv daim ntawv cog lus yog tias koj xaiv lawv ua se rov qab. Koj tuaj yeem muab kuv daim ntawv cog lus rau lwm tus, thiab lawv tuaj yeem tau txais lawv yog tias lawv muaj lawv tus account thiab tsis tau hla lawv tus kheej txwv rau xyoo.
Qhov tseem ceeb caveat yog tias koj raug kaw rau hauv koj qhov kev yuav khoom rau ib lub xyoo tag nrho. Yog tias koj rho nyiaj tawm ntawm ib thiab tsib xyoos, koj poob peb lub hlis tas los ntawm cov paj laum.
Qhov 9.62% tus nqi rau rau lub hlis dhau los txij li lub Tsib Hlis yog cov ntaub ntawv siab rau I-daim ntawv cog lus thiab nws tau sib phim nrog cov ntaub ntawv yuav los ntawm cov neeg Asmeskas tshaib plab rau cov txiaj ntsig rau lawv cov nyiaj ntsuab. Raws li cov khoom lag luam
DJIA,
-0.24%
SPX,
-0.41%
thiab daim ntawv cog lus
TUBMUSD 10Y,
4.046%
ob qho tib si plummeted, thiab cov nqi ntawm cov khoom lag luam hauv tuam txhab nyiam high-yield txuag thiab CDs crept maj mam, Kuv-bonds tuav lawv tag nrho rau rov qab.
Lub Tsev Haujlwm Saib Xyuas Nyiaj Txiag tau hais tias nws muag ze li $ 7 nphom hauv I-daim ntawv cog lus thaum Lub Kaum Hli, nrog ze li $ 1 nphom tuaj rau hnub kawg kom tsim nyog yuav khoom ntawm tus nqi siab tshaj. Qhov ntawd yog ntau dua nyob rau hauv ib hnub tshaj qhov muag hauv peb lub xyoos txij li xyoo 2018 txog 2020.
Puas yog I-bonds yeej TIPS?
Cov lus nug tseem ceeb rau cov neeg khaws nyiaj nrhiav kev nyab xeeb thiab cov txiaj ntsig yog: Puas yog I-bonds tseem muaj txiaj ntsig zoo nrog Tsoom Fwv Teb Chaws Reserve yuav nce cov paj paj rau lub Kaum Ib Hlis thiab Kaum Ob Hlis? Lub Txhab Nyiaj Txiag muaj lwm qhov kev ntxias nyiaj txiag-kho peev hauv TIPS, uas tuaj yeem yooj yim rau kev yuav khoom thiab muaj kev txwv tsawg dua.
"Qhov tshiab I-daim ntawv cog lus ruaj khov ntawm 0.40% yog qhov nce zoo, tab sis TIPS tam sim no muaj yields tiag nyob rau hauv 1.60% ntau yam. Yog li TIPS tam sim no muaj ntug, "hais tias Ken Tumin, tus tsim ntawm DepositAccounts.com.
Cov Txiaj Ntsig kuj tseem yuav saib cov nqi nyiaj txiag thiab CDs, hais tias Jeremy Keil, tus kws npaj nyiaj txiag nyob hauv Milwaukee.
"Yog tias koj tab tom yuav daim I-daim ntawv cog lus hnub no, koj tau twv tias kev nce nqi nyob rau lub hlis tom ntej yog 4.5% lossis ntau dua. Qhov ntawd yog ib qho kev nce nqi ntau dua li kev lag luam daim ntawv cog lus tau kwv yees los ntawm tsib-xyoos break-even inflation rate, "Nws hais.
Yog tias koj qhov kev xaiv yog cov khoom lag luam hauv tuam txhab nyiaj ntau dua li kev nqis peev nyiaj txiag, koj yuav tau txais kev pom zoo hauv kev sib piv.
"I-daim ntawv cog lus txuas ntxiv yog qhov zoo dua li qhov muaj los ntawm cov tsev txhab nyiaj, txawm tias koj tsis tuaj yeem ua qhov sib piv ntawm cov kua-rau-apple. Tam sim no, qhov nyiaj tau txais txiaj ntsig zoo tshaj plaws hauv online yog 3.50%, thiab cov txiaj ntsig CD siab tshaj plaws yog 4.75% rau 20 lub hlis, "hais tias Tumin.
Thaum twg koj yuav tsum yuav hauv 2023
Yog tias koj tau twb mus txog koj qhov kev txwv ntawm I-bonds rau 2022, koj lub sijhawm tom ntej los yuav rau koj tus kheej yuav yog lub Ib Hlis.
Keil qhia tias koj yuav xav tuav mus txog lub Plaub Hlis kom pom seb tus nqi toj roob hauv pes zoo li cas rau qhov kev hloov pauv hloov pauv hloov pauv tom ntej hauv lub Tsib Hlis.
Keil hais tias "Nws yog qhov zoo kom paub tag nrho 12 lub hlis tus nqi, thiab ob lub lis piam thaum kawg ntawm lub Plaub Hlis 2023 koj yuav paub qhov ntawd," Keil hais.
Txawm hais tias tsis muaj cov ntaub ntawv sau tseg cov paj laum, tseem muaj qhov chaw rau I-daim ntawv cog lus ua ib feem ntawm koj lub tswv yim txuag nyiaj mus sij hawm ntev. Koj tsuas yog yuav tsum tau kho koj qhov kev cia siab. Feem ntau cov neeg yuav khoom yav dhau los ua ntej frenzy tau nyob hauv nws rau lub sijhawm ntev.
Keil hais tias "I-daim ntawv cog lus tseem yog ib feem tseem ceeb ntawm koj cov nyiaj kub ceev mus sij hawm ntev, tab sis nyob rau lub sijhawm no muaj lwm txoj hauv kev, tshwj xeeb tshaj yog cov nqi qiv nyiaj, uas tau them tus nqi paj siab dua rau xyoo tom ntej," Keil hais.
Ntau los ntawm MarketWatch
Qhov no yooj yim, dawb iPhone hack naming ib tug legacy tiv tauj yuav yog qhov tseem ceeb tshaj plaws kev npaj tswv yim txav koj ua
Koj cov ntaub ntawv pov thawj xav tau kev sib txawv. Nov yog txoj hauv kev zoo tshaj plaws los hais txog nws hauv lub sijhawm tsis hloov pauv no
Koj qhov off-ramp rau I-daim ntawv cog lus yuav los sai sai yog tias koj yuav qhov kev nyab xeeb rau lawv cov kua dej 9.6% tawm los
US Treasury sweetens lub lauj kaub ntawm I-bonds los ntawm kev ntxiv tus nqi taag
Tom qab cov ntaub ntawv muag khoom ntawm I-daim ntawv cog lus thaum Lub Kaum Hli, US Treasury tab tom dangling lwm qhov zoo nyob rau hauv pem hauv ntej ntawm savers rau rau lub hlis tom ntej.
Pib txij lub Kaum Ib Hlis 2, thaum I-daim ntawv cog lus yuav rov muaj dua tom qab kev saib xyuas qhov chaw ntawm TreasuryDirect.gov, tus nqi nce nqi-hloov txhua xyoo yuav yog 6.48%, nqis los ntawm 9.62%. Tab sis kuj yuav muaj ib tug 0.4% taag tus nqi, ib lub pob los ntawm xoom, qhov twg nws tau nyob txij li xyoo 2020. Tus nqi sib koom ua ke yuav yog txhua xyoo ntawm 6.89%, muaj nyob rau lub Plaub Hlis.
Tus nqi ruaj khov thaum lub sijhawm yuav khoom yuav nyob nrog daim ntawv cog lus ntev npaum li koj tuav nws - txog li 30 xyoo - tab sis kev hloov pauv nyiaj rov qab txhua txhua rau lub hlis hauv Kaum Ib Hlis thiab Tsib Hlis.
Koj tuaj yeem yuav tau txog $ 10,000 rau ib tus neeg hauv ib lub xyoo dhau los ntawm TreasuryDirect.gov, ntxiv rau $ 5,000 ntxiv rau hauv daim ntawv cog lus yog tias koj xaiv lawv ua se rov qab. Koj tuaj yeem muab kuv daim ntawv cog lus rau lwm tus, thiab lawv tuaj yeem tau txais lawv yog tias lawv muaj lawv tus account thiab tsis tau hla lawv tus kheej txwv rau xyoo.
Qhov tseem ceeb caveat yog tias koj raug kaw rau hauv koj qhov kev yuav khoom rau ib lub xyoo tag nrho. Yog tias koj rho nyiaj tawm ntawm ib thiab tsib xyoos, koj poob peb lub hlis tas los ntawm cov paj laum.
Qhov 9.62% tus nqi rau rau lub hlis dhau los txij li lub Tsib Hlis yog cov ntaub ntawv siab rau I-daim ntawv cog lus thiab nws tau sib phim nrog cov ntaub ntawv yuav los ntawm cov neeg Asmeskas tshaib plab rau cov txiaj ntsig rau lawv cov nyiaj ntsuab. Raws li cov khoom lag luam
-0.24%
DJIA,
SPX,
-0.41%
4.046%
thiab daim ntawv cog lus
TUBMUSD 10Y,
ob qho tib si plummeted, thiab cov nqi ntawm cov khoom lag luam hauv tuam txhab nyiam high-yield txuag thiab CDs crept maj mam, Kuv-bonds tuav lawv tag nrho rau rov qab.
Lub Tsev Haujlwm Saib Xyuas Nyiaj Txiag tau hais tias nws muag ze li $ 7 nphom hauv I-daim ntawv cog lus thaum Lub Kaum Hli, nrog ze li $ 1 nphom tuaj rau hnub kawg kom tsim nyog yuav khoom ntawm tus nqi siab tshaj. Qhov ntawd yog ntau dua nyob rau hauv ib hnub tshaj qhov muag hauv peb lub xyoos txij li xyoo 2018 txog 2020.
Puas yog I-bonds yeej TIPS?
Cov lus nug tseem ceeb rau cov neeg khaws nyiaj nrhiav kev nyab xeeb thiab cov txiaj ntsig yog: Puas yog I-bonds tseem muaj txiaj ntsig zoo nrog Tsoom Fwv Teb Chaws Reserve yuav nce cov paj paj rau lub Kaum Ib Hlis thiab Kaum Ob Hlis? Lub Txhab Nyiaj Txiag muaj lwm qhov kev ntxias nyiaj txiag-kho peev hauv TIPS, uas tuaj yeem yooj yim rau kev yuav khoom thiab muaj kev txwv tsawg dua.
"Qhov tshiab I-daim ntawv cog lus ruaj khov ntawm 0.40% yog qhov nce zoo, tab sis TIPS tam sim no muaj yields tiag nyob rau hauv 1.60% ntau yam. Yog li TIPS tam sim no muaj ntug, "hais tias Ken Tumin, tus tsim ntawm DepositAccounts.com.
Cov Txiaj Ntsig kuj tseem yuav saib cov nqi nyiaj txiag thiab CDs, hais tias Jeremy Keil, tus kws npaj nyiaj txiag nyob hauv Milwaukee.
"Yog tias koj tab tom yuav daim I-daim ntawv cog lus hnub no, koj tau twv tias kev nce nqi nyob rau lub hlis tom ntej yog 4.5% lossis ntau dua. Qhov ntawd yog ib qho kev nce nqi ntau dua li kev lag luam daim ntawv cog lus tau kwv yees los ntawm tsib-xyoos break-even inflation rate, "Nws hais.
Yog tias koj qhov kev xaiv yog cov khoom lag luam hauv tuam txhab nyiaj ntau dua li kev nqis peev nyiaj txiag, koj yuav tau txais kev pom zoo hauv kev sib piv.
"I-daim ntawv cog lus txuas ntxiv yog qhov zoo dua li qhov muaj los ntawm cov tsev txhab nyiaj, txawm tias koj tsis tuaj yeem ua qhov sib piv ntawm cov kua-rau-apple. Tam sim no, qhov nyiaj tau txais txiaj ntsig zoo tshaj plaws hauv online yog 3.50%, thiab cov txiaj ntsig CD siab tshaj plaws yog 4.75% rau 20 lub hlis, "hais tias Tumin.
Thaum twg koj yuav tsum yuav hauv 2023
Yog tias koj tau twb mus txog koj qhov kev txwv ntawm I-bonds rau 2022, koj lub sijhawm tom ntej los yuav rau koj tus kheej yuav yog lub Ib Hlis.
Keil qhia tias koj yuav xav tuav mus txog lub Plaub Hlis kom pom seb tus nqi toj roob hauv pes zoo li cas rau qhov kev hloov pauv hloov pauv hloov pauv tom ntej hauv lub Tsib Hlis.
Keil hais tias "Nws yog qhov zoo kom paub tag nrho 12 lub hlis tus nqi, thiab ob lub lis piam thaum kawg ntawm lub Plaub Hlis 2023 koj yuav paub qhov ntawd," Keil hais.
Txawm hais tias tsis muaj cov ntaub ntawv sau tseg cov paj laum, tseem muaj qhov chaw rau I-daim ntawv cog lus ua ib feem ntawm koj lub tswv yim txuag nyiaj mus sij hawm ntev. Koj tsuas yog yuav tsum tau kho koj qhov kev cia siab. Feem ntau cov neeg yuav khoom yav dhau los ua ntej frenzy tau nyob hauv nws rau lub sijhawm ntev.
Keil hais tias "I-daim ntawv cog lus tseem yog ib feem tseem ceeb ntawm koj cov nyiaj kub ceev mus sij hawm ntev, tab sis nyob rau lub sijhawm no muaj lwm txoj hauv kev, tshwj xeeb tshaj yog cov nqi qiv nyiaj, uas tau them tus nqi paj siab dua rau xyoo tom ntej," Keil hais.
Ntau los ntawm MarketWatch
Qhov no yooj yim, dawb iPhone hack naming ib tug legacy tiv tauj yuav yog qhov tseem ceeb tshaj plaws kev npaj tswv yim txav koj ua
Koj cov ntaub ntawv pov thawj xav tau kev sib txawv. Nov yog txoj hauv kev zoo tshaj plaws los hais txog nws hauv lub sijhawm tsis hloov pauv no
Koj qhov off-ramp rau I-daim ntawv cog lus yuav los sai sai yog tias koj yuav qhov kev nyab xeeb rau lawv cov kua dej 9.6% tawm los
Tau qhov twg los: https://www.marketwatch.com/story/us-treasury-sweetens-the-pot-on-i-bonds-by-adding-a-fixed-rate-11667322486?siteid=yhoof2&yptr=yahoo