Savings money $200k

[Vaampire]

1 hour ago, Mohini said:

Konchem detailed ga cheppu bro

Tqqq stock konu ani chepthunna

[TOM_BHAYYA]

2 hours ago, Mohini said:

Stocks lo pettu ani cheppa kandi.

Bank lo oorike ala padi unnayi.  Em cheyali vatini to double the money. Options cheppandi vayyas.

India ki matraam invest cheyyanu. My life is settled in US.

Tesla 100P 05/30/2023 

@veerigadu

[areyentiraidhi]

2 hours ago, Spartan said:

ibonds interest rate 9%. if single do it soon for this year quota

and next in Jan for second year quota

CS yes..3.25 something is better than nothing

is it always 9% , heard that 9% is only for first 6 months?

[meranaam]

15 minutes ago, Spartan said:

  

https://www.treasurydirect.gov/savings-bonds/i-bonds/

@Mohini direct ga koneyadame...but u have limit of 10K per annum per person.

 

200K

100K -> CD

20K -> iBonds

30K -> SPY, VUG funds = 30K mottam lumsum pettakunda weekly 2K ala pettukuntu velu for 3 months.

6K -> ROTH IRA

45K cash.

 

Also, if you cash in the bond in less than 5 years, you lose the last 3 months of interest.

 

 

so 5 years unchithe kani penalty less withdrawal option leda baa

[Spartan]

4 minutes ago, meranaam said:

Also, if you cash in the bond in less than 5 years, you lose the last 3 months of interest.

so 5 years unchithe kani penalty less withdrawal option leda baa

10% ostundi kada..oka 2 years pettukunte saal.. 3 months ye kada..miss ayedi interest

[Telugodura456]

23 minutes ago, Spartan said:

  

https://www.treasurydirect.gov/savings-bonds/i-bonds/

@Mohini direct ga koneyadame...but u have limit of 10K per annum per person.

 

200K

100K -> CD

20K -> iBonds

30K -> SPY, VUG funds = 30K mottam lumsum pettakunda weekly 2K ala pettukuntu velu for 3 months.

6K -> ROTH IRA

45K cash.

 

100k CD ? what is there return ?

[Spartan]

1 minute ago, Telugodura456 said:

100k CD ? what is there return ?

3 - 3.5

and FDIC insured

[vankay bomb]

Invest in real estate….. 

[BommaliNinnodhala]

2 hours ago, Spartan said:

10% ostundi kada..oka 2 years pettukunte saal.. 3 months ye kada..miss ayedi interest

10% is APY 

Dbians confuse avvakandi man — it is not 9.62% per month 

1000$ ibond will give 96.2$ Compound interest at the end of the year if same rate 9.62% continues for next 6months —  9.62 will end on oct 31st — new rate will be published which applies for next six months

[BommaliNinnodhala]

42 minutes ago, Spartan said:

  

https://www.treasurydirect.gov/savings-bonds/i-bonds/

@Mohini direct ga koneyadame...but u have limit of 10K per annum per person.

 

200K

100K -> CD

20K -> iBonds

30K -> SPY, VUG funds = 30K mottam lumsum pettakunda weekly 2K ala pettukuntu velu for 3 months.

6K -> ROTH IRA

45K cash.

 

Switch 100k vs 30k above for more risk appetite 

[TheRealBulBul]

4 hours ago, BommaliNinnodhala said:

10% is APY 

Dbians confuse avvakandi man — it is not 9.62% per month 

1000$ ibond will give 96.2$ Compound interest at the end of the year if same rate 9.62% continues for next 6months —  9.62 will end on oct 31st — new rate will be published which applies for next six months

If you buy before Oct 31.. 9.62 will be applicable for next six months till April 2023.. Nov rate 6.48% will be applied for next 6 months from May to Nov.. avg 8.1 rate you get for one year.. 

[TheRealBulBul]

Just now, TheRealBulBul said:

If you buy before Oct 31.. 9.62 will be applicable for next six months till April 2023.. Nov rate 6.48% will be applied for next 6 months from May to Nov.. avg 8.1 rate you get for one year.. 

if you buy after Oct 31.. you will miss 9.62 and your rate will be 6.48% for first 6 months and whatever rate they come up in May will be for next 6 months.. that’s why the mad rush now to buy bonds before Oct 31 to get that 9.62% rate

[Barbarik]

16 hours ago, chef said:

Lend it to me. Ill give 1200$ every month 

1250$/month ista

[Usr59]

17 hours ago, Spartan said:

  

https://www.treasurydirect.gov/savings-bonds/i-bonds/

@Mohini direct ga koneyadame...but u have limit of 10K per annum per person.

 

200K

100K -> CD

20K -> iBonds

30K -> SPY, VUG funds = 30K mottam lumsum pettakunda weekly 2K ala pettukuntu velu for 3 months.

6K -> ROTH IRA

45K cash.

 

QQ, do we get an email with account details immediately after creating an account for ibonds and can we buy electronic bonds immediately (or) do we have to wait for a physical mail to arrive with account details?

[Spartan]

Just now, Usr59 said:

QQ, do we get an email with account details immediately after creating an account for ibonds? 

24hrs antadu...but vastadi