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Is that 1.3 percent monthly or yearly?

Hi Diamond, I'm alone in USA. Can i choose a Non US citizen as my beneficiary? who is living in Philippines?

The US Conf Board's LEI YOY changes are still quite negative. I feel like this will be the first time we have LEI's that show contraction, but the economy doesn't go into a full blown recession. I hope that LT yields finally breach 5%.

Great video again!

I've been buying the 1 month every week for a year. Last auction was a 5.27% Yield with a YTM of 5.324%. Where are you getting 5.42%???

Your podcast is one of my favorites.

Have been putting my money into short term T Bills so whenever interest rates go up in the longer securities I will have the funds to make the move.

Ty, weekly update

Thank you Jennifer.

We are good on yields through October... The current administration is paying short term rates on debt.... to artificially prop up the economy.... you guessed it... in an election year. The public should be enraged that we are paying 100 basis points on debt for a mere polical stunt.... It will all change in after October...i.e. November election.

These pre auction reviews are SO HELPFUL Jennifer! I can't thank you enough for all of your incredible energy and time investment in this community. Thank you!!

If I buy long term us debt I personally would demand 6.5% or greater so I’ll stick to the short :)

What is your views on buying MYGA annuity instead of bonds which are giving better yields than corresponding bonds of various durations like 3, 5 and 10 years. If objective is to keep bonds til maturity and get regular interest income than MYGA looks better alternative to direct bond purchase. Any thoughts and comments?

I require a 6.5% yield on the 5 year Treasuries to buy. Still waiting for the yield curve to normalize.

I am buying a 13 wk T-Bill Monday and reinvesting at Schwab.

Well recession follows as yield goes positive after inverting. That is from historical data.

Isn't it better to take a higher yield 3 month bond and let it roll over for a year or 2 rather than purchase a long-term bond?

I’m on the fence here. The Fed rate cuts are coming and that traditionally lowers yields. But we’re also in a scenario where the treasury needs to increase auctions significantly to cover overspending and trillions of bonds due next year. The yield would have to skyrocket in order to convince people to risk buying more US debt right?

After put purchase orders . How long before I can cancel the purchases?

The 28-Day Bill (912797KQ9) is at 5.230%. Where’s the 5.42% coming from?

Over 50 (we had 51.7), meant that economy grew, so thinking that we will have higher rates for longer. (also deficit and spending did not slow down)

I bought some 5 year TIPS and only got 2.05% - kind of disappointed. Also, since they were reissues, I bought at a premium to par, another unexpected outcome.

Couldn’t be happier that I spent the last 2 months moving my 1 mo bill ladder into a 4mo bill ladder. It was hard to plan it out. And Maturities are two weeks apart instead of every week but that’s still plenty of flexibility to DCA into shorter or longer bills whatever direction the yields trend.

Thank you!!

What steps are other short term bond ladder investors considering when rates fall consistently? Will you be considering longer term bills that pay a coupon for example?

Never knew there was a services equivalent of pmi. Just from the example it seems the area is more growth oriented, with the projection and actual both being higher. This observation isn't too surprising however. Thanks for the update, still lots of room to go for uninvertion, as you mentioned.

Nobody on YT does this better than Jennifer. Thank you!

Love your videos! Please consider how-to videos for Treasury and corporate bond purchasing at Interactive Brokers LLC, the highly rated and overall lowest cost discount broker. Thanks!

>>> Learn all about bond investing in our bond courses (and how to build a bond portfolio) while bond yields are high join Bond Beginners today (our foundational-level bond course): www.diamondnestegg.com/bond-beginners Bond Masters (our intermediate-level bond course): www.diamondnestegg.com/bond-masters Or get both Bond Beginners & Bond Masters together for even more savings: www.diamondnestegg.com/#_paa2isucf And join our super-supersaver membership for regular market updates & monthly live member Q&As ua-cam.com/channels/nexoc6tvesvcCEzZhmI-Ag.htmljoin >>>>>>>>>> WATCH NEXT Our Bond Courses vs UA-cam Membership | Which Is Right For You: ua-cam.com/video/H5h4Eyh0hjo/v-deo.html Bond Beginners Course Sneak Peak | I-Bonds vs TIPS: ua-cam.com/video/uXPzbje1g2E/v-deo.html Bond Masters Course Sneak Peak | How To Build A Bond Ladder: ua-cam.com/video/p90IDmXn19s/v-deo.html >>>>>>>>>> Here is the overview for Bond Beginners: 1. Bond Basics What A Bond Is & How A Bond Works Why Invest In Bonds New Issue vs Secondary Market Bonds Interest Rates & Bond Prices Current Yield & Yield To Maturity Always Remember This! Buying At Par, Above Par & Below Par Different Types Of Bonds Wrap-Up 2. The Risks Of Bond Investing Seven Key Bond Risks Credit Risk Interest Rate Risk Reinvestment Risk/Call Risk Inflation Risk Liquidity Risk Currency Risk & Country Risk Bond Risk Mitigation Strategies Wrap-Up 3. US Treasuries Overview What Are US Treasuries Why Invest In Treasuries Where Can You Buy Treasuries How Are Treasuries Taxed Wrap-Up 4. Treasury Bills What Are Treasury Bills (T-Bills) When Do T-Bill Auctions Happen Where Should You Buy At Auction Auto-Roll When Buying At Auction Where To Find Recent Auction Results High Rate vs Investment Rate Reopening Auctions Cash Management Bills (CMBs) Buying & Selling On Secondary Market Wrap-Up 5. Treasury Notes & Bonds What Are Treasury Notes & Bonds When Do Auctions Happen Buying Treasury Notes & Bonds Auction High Yield vs Interest Rate Floating Rate Notes (FRNs) Treasury Zeros (STRIPS) Wrap-Up 6. TIPS (Inflation-Protected) What Are TIPS When Do TIPS Auctions Happen Nominal vs Real Yields Negative Yields How Do You Adjust TIPS For Inflation Taxes On Phantom Income Secondary Market Liquidity Wrap-Up 7. I-Bonds (Inflation-Protected) What Are I-Bonds How Does I-Bond Interest Work I-Bonds vs TIPS The Annual I-Bond Limit Wrap-Up 8. Agency Bonds The Universe Of Bonds What Are Agency Bonds How Are Agency Bonds Taxed Treasuries vs Agencies Who Might Want To Consider Agencies Yield-To-Call & Yield-To-Worst Where Can You Buy Agency Bonds Wrap-Up 9. Municipal Bonds Our Bond Universe Gets More Complex What Are Municipal Bonds How Safe Are Munis How Are Munis Taxed The De Minimis Rule Social Security & Medicare Premiums Treasuries, Agencies & Munis Who Might Want To Consider Munis Wrap-Up 10. Corporate Bonds Our Bond Universe Is Complete What Are Corporate Bonds How Safe Are Corporates Corporate Bond Hierarchies Five Key Features Of Corporate Bonds How Are Corporates Taxed Treasuries vs Corporates, Etc. Who Might Want To Buy Corporates Wrap-Up >>>>>>>>>> Here is the overview for Bond Masters: 1. Stocks vs Bonds Historical Performance Are Bonds Really Less Volatile Why Invest In Bonds Accumulation vs Decumulation Allocation of Stocks vs Bonds Wrap-Up 2. Which Bonds Might Be Right For You Treasuries & Other Types of Bonds Nominal vs Real Yields Inflation vs Non-Inflation-Protected Taxable vs Tax-Advantaged Accounts Wrap-Up 3. Bond Ladders & Other Bond Strategies Normal vs Inverted Yield Curve What Is A Bond Ladder 5 Important Bond Laddering Questions Laddering When Rates Are Rising Laddering When Rates Are Falling Laddering When Rates Are Uncertain What Is A Bullet What Is A Barbell Wrap-Up 4. Holding to Maturity vs Selling Early Why Hold to Maturity When To Sell Early Before Maturity Tax Implications Of Selling Early Wrap-Up 5. Individual Bonds, Bond Funds, Etc. Why Buy Individual Bonds Why Buy Bond Funds Bond Fund Considerations Key Bond Fund Concepts CDs vs Treasuries Other High-Yield Investments Wrap-Up 6. Our B.E.S.T. Model Portfolios By Age Our B.E.S.T Model Portfolios By Age Model Portfolios In The Industry B.E.S.T Model Portfolio Difference How Much Do You Need To Retire? How I Use The Rules of 100, 110, & 120 B.E.S.T Model Portfolios (20s) B.E.S.T Model Portfolios (30s & 40s) B.E.S.T Model Portfolios (50s & 60s) B.E.S.T Model Portfolios (70s+) Wrap-Up 7. The Decumulation Phase What Is The Decumulation Phase? Bear Markets & Recessions What Can You Do In Bad/Bear Markets Decumulation Tax Considerations The 4% Rule The Bucket Strategy The Flooring Approach Jen’s Bucket Strategy With A Twist Wrap-Up >>>>>>>>>> SOURCES & FOLLOW-UP VIDEOS FOR TODAY'S VIDEO: www.pmi.spglobal.com/Public/Home/PressRelease/dab295292d5a444c8f772b2b82587fa2 www.investing.com/economic-calendar/manufacturing-pmi-829 home.treasury.gov/policy-issues/financing-the-government/interest-rate-statistics www.treasurydirect.gov/auctions/announcements-data-results/ www.treasurydirect.gov/savings-bonds/i-bonds/i-bonds-interest-rates/ www.fidelity.com/ >>>>>>>>>> Thanks for visiting our personal finance channel! We hope this content will help fast-track your financial journey! Everyone's financial journey is different. Please note that: 1) there are questions/ comments which I will not be able to answer without fully understanding your financial, personal & other circumstances & 2) we will not ask you to call us or send us money in the comments on this channel or any of our other social media accounts, so if you see comment(s) along those lines, it is most likely spam - PLEASE DO NOT ENGAGE WITH SPAMMERS OR GIVE OUT YOUR PERSONAL INFORMATION FOR YOUR OWN SAFETY.

Thanks for the video. I value your opinion. It would be helpful, I think, if you could somehow share the date of the videos you release.

Remind me, does Fidelity also have a 1K minimum buy/sell on treasuries? I've bought brokered CDs and Secondary T-Bills on VG before and like the filter functions but Vanguard user experience leaves much to be desired. They say they do this to deincentivize excessive trading.

Will those individual bonds go up in value if interest rates drop? I have an account with Schwab and I want to have maybe 20% in bonds. If stocks go down, I would like to sell part of the bonds and buy stocks. Is it better to buy Treasury ETF or individual bonds for my plan?

Are bonds paying 5% now? T-bills are but notes and bonds?

I need to know how to put a freeze on

I did find out something new in the Vanguard bond/notes purchase screen. After the quick search screen,I've always chosen the Treasuries next after seeing the current yields per length. In the following screen I've chosen Auction rather than secondary market. I didn't know that more options in length could be found bv just choosing the exact treasure yield in the quick search screen. Thanks for the tip! I don't really buy many bonds, at least before the end of last year.

Thanks so much for your great work

Excellent video

Please note that at Vanguard if you don't have a margin account you must have sufficient settled funds in your sweep account before you can purchase treasuries. That means if you transfer funds electronically from your bank to your Vanguard settlement fund, you must wait 7 days before placing your order due to a 7 day hold Vanguard places on these funds. Schwab does not have such a restriction, but Schwab's interest paid on its sweep accounts is extremely low.

Thanks Jennifer!!!

>>> Learn all about bond investing in our bond courses (and how to build a bond portfolio) while bond yields are high join Bond Beginners today (our foundational-level bond course): www.diamondnestegg.com/bond-beginners Bond Masters (our intermediate-level bond course): www.diamondnestegg.com/bond-masters Or get both Bond Beginners & Bond Masters together for even more savings: www.diamondnestegg.com/#_paa2isucf And join our super-supersaver membership for regular market updates & monthly live member Q&As ua-cam.com/channels/nexoc6tvesvcCEzZhmI-Ag.htmljoin >>>>>>>>>> WATCH NEXT Our Bond Courses vs UA-cam Membership | Which Is Right For You: ua-cam.com/video/H5h4Eyh0hjo/v-deo.html Bond Beginners Course Sneak Peak | I-Bonds vs TIPS: ua-cam.com/video/uXPzbje1g2E/v-deo.html Bond Masters Course Sneak Peak | How To Build A Bond Ladder: ua-cam.com/video/p90IDmXn19s/v-deo.html >>>>>>>>>> Here is the overview for Bond Beginners: 1. Bond Basics What A Bond Is & How A Bond Works Why Invest In Bonds New Issue vs Secondary Market Bonds Interest Rates & Bond Prices Current Yield & Yield To Maturity Always Remember This! Buying At Par, Above Par & Below Par Different Types Of Bonds Wrap-Up 2. The Risks Of Bond Investing Seven Key Bond Risks Credit Risk Interest Rate Risk Reinvestment Risk/Call Risk Inflation Risk Liquidity Risk Currency Risk & Country Risk Bond Risk Mitigation Strategies Wrap-Up 3. US Treasuries Overview What Are US Treasuries Why Invest In Treasuries Where Can You Buy Treasuries How Are Treasuries Taxed Wrap-Up 4. Treasury Bills What Are Treasury Bills (T-Bills) When Do T-Bill Auctions Happen Where Should You Buy At Auction Auto-Roll When Buying At Auction Where To Find Recent Auction Results High Rate vs Investment Rate Reopening Auctions Cash Management Bills (CMBs) Buying & Selling On Secondary Market Wrap-Up 5. Treasury Notes & Bonds What Are Treasury Notes & Bonds When Do Auctions Happen Buying Treasury Notes & Bonds Auction High Yield vs Interest Rate Floating Rate Notes (FRNs) Treasury Zeros (STRIPS) Wrap-Up 6. TIPS (Inflation-Protected) What Are TIPS When Do TIPS Auctions Happen Nominal vs Real Yields Negative Yields How Do You Adjust TIPS For Inflation Taxes On Phantom Income Secondary Market Liquidity Wrap-Up 7. I-Bonds (Inflation-Protected) What Are I-Bonds How Does I-Bond Interest Work I-Bonds vs TIPS The Annual I-Bond Limit Wrap-Up 8. Agency Bonds The Universe Of Bonds What Are Agency Bonds How Are Agency Bonds Taxed Treasuries vs Agencies Who Might Want To Consider Agencies Yield-To-Call & Yield-To-Worst Where Can You Buy Agency Bonds Wrap-Up 9. Municipal Bonds Our Bond Universe Gets More Complex What Are Municipal Bonds How Safe Are Munis How Are Munis Taxed The De Minimis Rule Social Security & Medicare Premiums Treasuries, Agencies & Munis Who Might Want To Consider Munis Wrap-Up 10. Corporate Bonds Our Bond Universe Is Complete What Are Corporate Bonds How Safe Are Corporates Corporate Bond Hierarchies Five Key Features Of Corporate Bonds How Are Corporates Taxed Treasuries vs Corporates, Etc. Who Might Want To Buy Corporates Wrap-Up >>>>>>>>>> Here is the overview for Bond Masters: 1. Stocks vs Bonds Historical Performance Are Bonds Really Less Volatile Why Invest In Bonds Accumulation vs Decumulation Allocation of Stocks vs Bonds Wrap-Up 2. Which Bonds Might Be Right For You Treasuries & Other Types of Bonds Nominal vs Real Yields Inflation vs Non-Inflation-Protected Taxable vs Tax-Advantaged Accounts Wrap-Up 3. Bond Ladders & Other Bond Strategies Normal vs Inverted Yield Curve What Is A Bond Ladder 5 Important Bond Laddering Questions Laddering When Rates Are Rising Laddering When Rates Are Falling Laddering When Rates Are Uncertain What Is A Bullet What Is A Barbell Wrap-Up 4. Holding to Maturity vs Selling Early Why Hold to Maturity When To Sell Early Before Maturity Tax Implications Of Selling Early Wrap-Up 5. Individual Bonds, Bond Funds, Etc. Why Buy Individual Bonds Why Buy Bond Funds Bond Fund Considerations Key Bond Fund Concepts CDs vs Treasuries Other High-Yield Investments Wrap-Up 6. Our B.E.S.T. Model Portfolios By Age Our B.E.S.T Model Portfolios By Age Model Portfolios In The Industry B.E.S.T Model Portfolio Difference How Much Do You Need To Retire? How I Use The Rules of 100, 110, & 120 B.E.S.T Model Portfolios (20s) B.E.S.T Model Portfolios (30s & 40s) B.E.S.T Model Portfolios (50s & 60s) B.E.S.T Model Portfolios (70s+) Wrap-Up 7. The Decumulation Phase What Is The Decumulation Phase? Bear Markets & Recessions What Can You Do In Bad/Bear Markets Decumulation Tax Considerations The 4% Rule The Bucket Strategy The Flooring Approach Jen’s Bucket Strategy With A Twist Wrap-Up >>>>>>>>>> SOURCES & FOLLOW-UP VIDEOS FOR TODAY'S VIDEO: How To Buy T-Notes & Bonds On Fidelity: ua-cam.com/video/coERtUZH0ew/v-deo.html How To Buy T-Notes & Bonds On Schwab: ua-cam.com/video/DaGlJ3gYCnE/v-deo.html Auction vs Secondary Market T-Notes & Bonds: ua-cam.com/video/_kIoPvd7bwE/v-deo.html Why Buy On The Secondary Market: ua-cam.com/video/k1IFWXmJTRk/v-deo.html What Is Accrued Interest:ua-cam.com/video/PdFkteP0xhI/v-deo.html Vanguard's Website: investor.vanguard.com/home >>>>>>>>>> Thanks for visiting our personal finance channel! We hope this content will help fast-track your financial journey! Everyone's financial journey is different. Please note that: 1) there are questions/ comments which I will not be able to answer without fully understanding your financial, personal & other circumstances & 2) we will not ask you to call us or send us money in the comments on this channel or any of our other social media accounts, so if you see comment(s) along those lines, it is most likely spam - PLEASE DO NOT ENGAGE WITH SPAMMERS OR GIVE OUT YOUR PERSONAL INFORMATION FOR YOUR OWN SAFETY.

So informative. Thank you for such a value packed video.

Such a great and comprehensive explanation. EXCELLENT!