Guaranteed 4% - 4.7% T Bills vs Brokered CDs?! Which Is Better? BUYER BEWARE!

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Is there such a thing as guaranteed 4% - 4.7% T-Bills vs brokered CDs? What are some of nuances between brokered CDs vs T-Bills that very few folks talk about? Which might be better for you & how do you decide?
This is another highly-requested video from many of you in the community. So today, I’m going to walk you through:
✔️ What is a brokered CD
✔️ The three key questions that will help you figure out whether brokered CDs or T-Bills might be better suited for you.
✔️ Whether I prefer T-Bills or brokered CDs & why
Plus the three additional you need to consider when comparing brokered CD rates vs T-Bill rates.
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Опубликовано:

23 ноя 2022

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Комментарии : 479

@DiamondNestEgg Год назад

📢 We've launched! Get 15% off our brand-new bond courses thru 11:59PM ET on 4/30/2024 for Financial Literacy Month - enter coupon code bondfans2024 at checkout - see links below for more details! ⭐ Bond Beginners (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 & save $100: www.diamondnestegg.com/home#_paa2isucf ⭐ Join our super-supersaver membership for regular market updates & monthly live member Q&As 👉 ru-vid.com/show-UCnexoc6tvesvcCEzZhmI-Agjoin HAPPY THANKSGIVING! Thanks for visiting our personal finance channel! We hope this free content will help fast-track your financial journey! Everyone's financial journey is different. Please note that there are questions/ comments which I will not be able to answer without fully understanding your financial, personal & other circumstances.

@kennethlombardi3003 Год назад

Yes, show us how to buy brokered CD’s at Fidelity!

@CostaMesaPhotography Год назад

What an excellent video! Your explanations are organized, concise, and easily understandable. No jargon, no fast-talking, but plain language that follows the logical progression of your topic. You are an excellent presenter, and your knowledge was very informative. I'm definitely subscribing to your channel!!

@blue-fj9ky Год назад

She's a super clear communicator.

@darrellcook4290 Год назад

Nice video. One strategy I've employed over the years is to buy multiple CD'S at one time from the same bank. For example if you have $10,000 to invest in CD'S buy 10 $1,000 CD's. Then if you NEED the money for un expected expenses or emergencies you only have to cash in what you need not the entire $10,000. This works out very well espically if the current rate is below the rate of the CD you have to cash in.

@emc6511 Год назад

Exception is when "only one CD allowed" for their promotional special. I've had that at a couple of credit unions. Would not allow more than one CD that was at a promotional higher rate plus "add on" feature, for example. But under normal circumstances; yes; break them up to manage EWP. I also do that for MYGAs.

@bertdom5707 Год назад

And many are $10K minimum, with $1000 cd paying much less. If you have $100K to invest, another story….

@MikeKoPhotography Год назад

Just found your channel. Great content. This videos is especially timely as I'm deciding between cds and t bills. Rally appreciate you breaking down the + and -. And I especially appreciate your reasons for going with t bills. Thanks

@b.vonschnauser207 Год назад

All your videos, including this one, are concise and very well-explained. Great content. I appreciate you posting!

@LifeBeautifulMess Год назад

I never even considered a brokered cd until now. Great content as usual! I love your channel.

@rhandy901 Год назад

Thank you for this information! I did not know what a brokered cd was until I just watched this video. This is great information, I will look at this as an option now when comparing bank CDs. I would love to see a video of you purchasing a brokered cd in a Schwab account. I’m thankful for your videos and educational content. 🙌

@supersteve8305 Год назад

My parents had deposits at a savings and loan that collapsed in the early 80s in Ohio. I still remember how tight money was in the household until they finally got their money back. I currently have five brokerage CD'S at different banks. All the money is in an IRA, so taxes are equal. The total is less than the $250,00 FDIC coverage. But I never forgot that apparently. Great coverage of the differences. I'm going to get my first T-bill next week, thanks to your videos.

@alphamale2363 Год назад

I bought brokered CD'S on Fidelity and did not find it complicated at all. I think the T-Bill auction process is complicated: announcement date, auction date, settlement date, rates established upon auction. CDs are always available and the rate you will get is crystal clear. It is clearly stated whether they are callable. Anyway, love your channel.

@DiamondNestEgg Год назад

Thanks for the insights!

@danielmcgowan113 Год назад

Another highly informative video! It re-enforces my preference for T-Bills over CD's. Happy Thanksgiving to you and your family!

@alexanderchu312 Год назад

Just subscribed. I was just thinking about getting either t bills or brokered cds. You really help explain the math. Your t bill videos are great too!

@xwileycoyotex Год назад

Just came across your channel and have learned a ton after watching just a few of your videos. You cover so much in such a short time!

@msdinba Год назад

YES, I would definitely want a video on brokered CDs. Please do one. I’d hood to maturity and even considering long term.

@Low__expectations Год назад

I think I watched all the T-Bill videos and learned as much or more as the excellent I-bond videos that hooked me to Jennifer's channel. What I think is particularly good is the listing out of her priorities and being clear, sometimes with examples, that other people's priorities can be different/just as correct for very good reasons.

@Ebbandjayflo Год назад

I'm somewhat new to your channel and absolutely love it! Thank you so much Jennifer for sharing your great knowledge and doing with language/explanations that is easy to understand. I'm learning a lot and am looking forward to creating a T bill ladder. T bills trump the brokered cd ( which I new nothing about so ty ) for me due to where I live, Washington State, which has local and state taxes. Thanks again for all and looking forward to more of your content in the future! 🙏

@DiamondNestEgg Год назад

Thanks for sharing Jason!

@Oristep Год назад

Absolutely excellent and simple to understand explanation in just 21 minutes of nearly all important basics. Perfect!

@Redneck_Ed Год назад

Great comparison video. Your point at 13:51 is the big one imo and the reason I favor brokered CDs. For me, the comparison (and even in your example at 7:29) are close enough to almost always favor CDs for the the certainty of knowing the exact brokered CD rate at the time of purchase. The big brokerage firms also will typically have offerings from the big national banks, so you can pretty easily find the ones that are most likely to be stable.

@DiamondNestEgg Год назад

Thanks for sharing!

@davidnoriega8723 Год назад

Hi, Jennifer: Excellent videos! You are very informative, clear, and didactic. My family will consider all your advice when buying either instrument. Thank you.

@wpowell9080 Год назад

Great video, have been reading about Brokered CDs but I didn't really know how they worked. Your video was very helpful!

@jorgevelasquez9955 Год назад

Jennifer, Fantastic as usual, living in California, paying state and local taxes are the key points for sticking with T Bills. Thanks for great video once again.

@elidauz1177 Год назад

This video and as well as other Diamond Nest Egg super savers videos, for a 70 year old man, are truly an eye opener. I am considering moving most of my stock investments into safe and fixed income investments then came across your program - I'm glad I did. Simple, straight forward, great examples with tables and easy to navigate. Appreciate if you can have another session on how to buy Brokered CD (Fidelity and Charles Schwab). Thank you and Happy Thanksgiving!

@bstephenson5684 Год назад

yes, I'd like a Fidelity video on Brokered CD's also! Thanks

@SteveWaage Год назад

Great content. I really enjoy learning from you. Happy TG!

@danmarkiewicz3697 Год назад

Nicely done Jennifer, especially your summary/closing comments were a great reminder of how fragile the banking system is and at least one reason why some banks offer higher CD rates than other. As you say, BUYER BEWARE!

@debrabullion3766 Год назад

Yes! This was such a helpful talk. Learned a lot!

@Richard.Cabeza Год назад

Excellent presentation. Informative, direct and I really like the “what my preference is and why”. My first time here, thumbs up and I will subscribe and check out all your other content. Thank you for putting this together. VERY helpful.

@xclntgig Год назад

Great explanation of t-bills vs brokered CDs. This is all I needed to see to subscribe!

@aaronwilliamson4045 Год назад

Valuable information.. Thanks very much... A lot of this i thought so, but very good to hear it summarized. I have felt the same way about CD's.

@jamesrobertson504 Год назад

Great video Jennifer! I knew about the tax advantage of Treasuries (I live in NYS) and the issue of being callable, but the info on liquidity of brokered CDs was something I was not thinking of. That would mean there is a higher bid/ask spread for brokered CDs compared to liquid Treasuries if you need to sell before maturity, similar to buying stocks that have a small "float" compared to a very liquid blue chip stocks. I want to stay liquid if the Fed goes too far for too long and causes a recession (no soft landing), which then causes good stocks to decline in value (a buying opportunity), so the ability to sell in the secondary market is important to my goals. Happy Thanksgiving!

@gregh7457 Год назад

i was shocked to see the value of my brokered cd's drop like a rock in the last 3 month. It was so bad to look at all the red that i turned off the display of the daily value change in my account. BUT, it works both ways too. If you're in the market for better rates, look at buying cd's that are on the secondary market. Take advantage of the thin liquidity to pick up bargains. I bought some 3 month treasuries and i swear those things go up in value every day. Even when interest rates go up! My broker does not allow me to put in bids under the ask. I always have to buy at market price. It would be nice to find a broker that allows you to enter a bid price

@capncrunch1249 Год назад

Thank you for this very helpful and informative video. I just watched it for the second time and the points about state income tax assessed on CD’s and on all assets in tax advantaged retirement accounts are useful in deciding whether to buy cd’s or t-bills. Your opinion on the safety of t-bills versus cd’s and the historical data you included were also greatly appreciated.

@morrylauder7534 Год назад

Thanks for the lessons! I just bought brokered CDs for my Fidelity taxable account. I live on Guam which has no state or local taxes. It was a little confusing at first, kept going to CD ladders, but next time will be easy, especially after selecting the period (length) you're interested in. I chose a 3 month, 4.75% yield from Fifth Third Bank, no automatic roll over. You really helped me learn some of the lingo.

@DiamondNestEgg Год назад

Glad you enjoyed the video!

@WallaceBMcClure Год назад

Here I am at the gym working out and boom, Jennifer is putting out informative videos on thanksgiving. I have to do some work later today as well, so I know this feeling.

@DiamondNestEgg Год назад

No work later for me (for once) - just insane amounts of cooking. Enjoy your workout!

@WallaceBMcClure Год назад

@@DiamondNestEgg I worked and ate Thursday and worked all day on Friday. You had it much easier than I. I took the weekend off.

@emc6511 Год назад

2008 crash had 3 CDs (5.5% - 5.75%) in 3 different banks that failed. There was no drama or delay. FDIC announced failures every Friday. When failed bank opened on Monday, they were present. If account under $250K coverage, go to the counter. If over, go to the "tears and fears" room. At the counter, each of 3 banks a different method. One simply already had prepared a check to me in the full amount of the account balance previous Friday. Another simply provided the FDIC document that the account was now at ABC bank, same CD, same terms. And the last one simply provided the FDIC document that the account was now at XYZ bank, same CD, but years until maturity reduced from 4 to 2 years. Those of us under the $250K enjoyed the coffee and goodies while waiting our turn. The over $250K ... tissues. Yes, full grown men and women crying ... because end of the day they knew better, but didn't bother to heed the limit.

@steves7944 Год назад

Great insight on how the FDIC process works with a failed bank. Thank you for sharing.

@DiamondNestEgg Год назад

Thanks for sharing your experience with us!

@mariceldb2990 Год назад

Detailed explanation of buying brokered cds was a great time spent. Thanks for the warning of failed banks.

@whitneywalsh9127 Год назад

This is a great video. I Have to watch again so the info sticks. Thank You!

@udaymadanu Год назад

Please make the Brokered CD video. AND, thank you for all your wonderful videos and shorts!

@mlkrinsky Год назад

Your videos are so useful! Despite my partner and my advanced degrees we still need these talks that simplify and breakdown rationale and strategy! I would love one on “option trading for dummies”. I have some large gains in some old tech investments, and would like to understand how to hedge these bets. Thank you and Happy Thanksgiving!

@cocolola007 Год назад

thank you for this video!! 😊

@swathigreat Год назад

Great video and something I have been trying to understand. You made it very clear. Love your videos

@barbaratheresa6483 7 месяцев назад

I love your channel very much. Great didactics, precise, concise, easy to understand, just thr right amount of information. Keep up the good work! You are helping a lot of folks in need of financial literay like me.

@rmuller366 Год назад

A wealth of terrific information! Your presentation and advice is top notch. God bless you for this video. Happy New Year and thank you for the work you’re doing.

@dr.terrancemoore3755 Год назад

great presentation as always!!

@liwang4357 Год назад

Timely Video. Thank you!

@davidv.2050 Год назад

Great video! I’ve watched similar videos on RU-vid that try to steer you to purchase bank cd’s from private firms and not brokerages. Scary!😮

@Gr8thxAlot Год назад

Great video! You predicted bank failures three months before they started. 👍

@vickiebonano2092 Год назад

So informative. You make it easy for someone like me that is not that was not comfortable with buying these types of investments in my brokerage account. I have bought both since I found your channel. HAPPY THANKSGIVING!

@theworkinginvestor Год назад

Fantastic job breaking it down. Please do one on brokered CDs.

@philharmonic.2453 11 месяцев назад

All your videos are top tier content. Keep up the fantastic work.

@EricMcDowellegm Год назад

New subscriber! I'm still learning a lot about securities and I so appreciate you sharing your expertise!

@jdmxxx38 Год назад

I find your videos wonderfully clear and informative. Thanks for your effort.

@vannevar50 Год назад

Jennifer- your videos are terrific. Much appreciated

@janetcampbell8213 Год назад

Very informative love your channel big fan. Keep up the good work. thanks

@ATHJD07 Год назад

Best video ever! Many many thanks Jennifer. Learning to think through how things work and use it to help inform my decisions is helping me save more for my short term and long term goals! My most important take homes are: Never buy T bills in my traditional IRA and stick with new issue CDs if I buy from a brokerage rather than a bank. The list of everything else I learned is too long for here but of great value in my siutation.

@DiamondNestEgg Год назад

I actually buy in my traditional IRA (don't have a Roth) - like I said, everyone's financial journey is different :-) Glad you enjoyed this Anne!

@gloriawitek6401 Год назад

We are new to your community. Your explanations are excellent. We wish you continued success. Please consider making more financial videos. Any university would also want you on their staff.

@johnnygoodman8257 Год назад

You have a gift. Thanks for sharing it with us!

@kira8550 Год назад

Very helpful and clear. Thank you 😊

@andrewlivingston5105 Год назад

great video. trying to help out my mom with this and this video gives a very good description.

@utubedtt8849 10 месяцев назад

thanks. Very clear and easy to understand. Great presentation. No boring.

@vasanthallampalli4099 Год назад

Super video! I now know a lot about brokered CDs.

@policyprosagency385 Год назад

Thanks as always for the details in your videos. You are really great. I purchased my first T bill and I bonds because of your knowledge

@DiamondNestEgg Год назад

Glad the videos have been helpful!

@guneetchadha6838 Год назад

Outstanding video 👍 !! One of the best explanations of Brokered CD's Vs T Bills but also highlighting the value of FDIC and how to secure via one Brokerage (rather than many banks) 👍

@kenmosholder1935 Год назад

Thank you so much. Your videos have so helpful to me.Thank you.

@Anthony-ko3ep Год назад

Hi Jennifer, I will make this short, Thank You! very educational.

@bigboatsgoby9563 Год назад

Your videos are great. Thanks for doing them. Personally this video on Bank CDs is enough. I was never a fan of the added risk and the reward just wasn’t worth it. I would love to see you move into the in’s and outs of the secondary T-Bill T-Note market. I actually prefer to use that rather than new issues as I like investing my money immediately and knowing what yield I will get. Thanks again for the great videos. You are a wonderful teacher/ instructor

@gieb6428 Год назад

You always have what I need when I need it. Great

@BigFanCooks Год назад

super helpful for investing starters like me, it breaks out everything you need to know in plain English. More like this please and could you have videos of stock market and all kinds of index funds, EFT the same way? I like how you don't need a high degree to understand these investment knowledges that everyone should know for their own good.

@lowridinpacker Год назад

Excellent Video as always. Could you do a video about buying resale corporate bonds on the Vanguard platform and how to calculate the interest? Would love to see that!

@ruthlessluder Год назад

I bought my first 13-week t-bill today with an effective rate of 5%. Thanks for the video.

@sheilagrayman7147 Год назад

I am grateful for your knowledge and informative content. Thank you so much.🌺

@donwatson1330 Год назад

Thank You for all your help.

@sudheerk82 Год назад

Another great video, Thanks a lot. Happy Thanksgiving.

@eradicator187 Год назад

Thank you, Jennifer and Happy Thanksgiving

@jaekim5397 Год назад

Always thank you for your info. Happy Thanksgiving to you and your family..

@joannepalmisano9545 9 месяцев назад

Jennifer - these are terrific videos. Thank you!

@withcoachgrace Год назад

Thank you! Very clear and helpful

@hh0676 Год назад

Just starting watching ur channel as was looking at both Auction and Secondary markets on T-Bills, glad u confirm better than CDs esp in current climate. U nailed bank failure mess months ago way before the Fed!!!

@vandematram8205 Год назад

Very nice explanation. Thank you

@brianborse3555 Год назад

Great video! Thanks!

@stephengamber7000 7 месяцев назад

Thank you. Very edifying

@aurianfaridi4207 Год назад

In a rising rate environment you will probably have to sell at a discount on the CD. If rates go lower than your coupon generally you can probably sell at a premium or with little loss.

@psallen5099 Год назад

Excellent information, well done

@Thisishard2333 Год назад

Thank you for all your great advice

@DiamondNestEgg Год назад

Glad you enjoyed the Thanksgiving day post!

@vchill2845 Год назад

Awesome information and presentation thanks

@TheWinghochui Год назад

Thanks for your sharing!

@danielgarland9838 Год назад

Thank you! Happy Thanksgiving!!

@991Diver Год назад

Thank you for this video.

@go-goyubari8776 Год назад

She is fabulous! I am so happy I found this channel.

@billwaggener6176 Год назад

Thanks for the great video. I hadn't clearly understood how the secondary market works for brokered CD's.

@ralphhudson8649 Год назад

Excellent video. I thought I would have to call Fidelity to find out if I can invest more than 250K in brokered CDs and still be FDIC protected. You answered it perfectly and saved me a lot of trouble. Thank You. RH

@briaf3370 Год назад

Jennifer nailed it again! She’s simply the BEST

@whistlebloer8254 Год назад

Always great advice. Thank you.

@DiamondNestEgg Год назад

Glad you enjoyed the video - happy Saturday

@dbk9555 Год назад

Your videos are very informative🙏

@davidosisek3867 Год назад

Thank you for bringing useful content to this community. Your videos have been appreciated. I am now interested in knowing your thoughts on “when to go long” on treasuries as it appears rates will shortly begin to level off and eventually start to trend down. Thanks!

@DiamondNestEgg Год назад

That's already on the video list - noted!

@transformationofthebride2295 Год назад

Excellent video!

@wisulliv Год назад

Nice job. Thank you.

@murraypassarieu9115 Год назад

Great video as always! Happy Thanksgiving!!

@GiantBlue1963 Год назад

Totally agreed on the liquidity issues on brokered CDs. These are essentially cash investments where you trade a little liquidity for a little better yield. The liquidity of the T-Bill giving you the ability to cash out and keep most if not all of the accrued interest (in case of emergency) is worth more than a small increase in yield. Further, in this environment, where CDs seem to be the T-bill rate reduced a bit for the banks profit margin the choice is pretty clear. Thanks for making these videos. I'm not a novice and I find your clear, holistic approach quite informative. They give me greater clarity and confidence in my decision making.

@DiamondNestEgg Год назад

Glad you’re enjoying the videos & thanks for sharing!

@norcalpacific 11 месяцев назад

But with t-bills I thought you cannot cash it out till the end of the maturity term right? Like if I purchase some directly from the treasury you have to wait at least 4 weeks if you buy a four week term?

@johnbeeck2540 Год назад

Happy Thanksgiving! Great point about the CDs being callable. Lately at Fidelity you can get 2-3 year CDs that are not callable if you shop their offering - generally at a minor yield reduction.

@DiamondNestEgg Год назад

Happy Thanksgiving to you & yours too!

@mrlakuda Год назад

Plenty of non-callable three, six, nine and 12 month cds

@nimetkapadia5663 Год назад

Thank you Jennifer for this invaluable information. Do you expect the yield to continue to invert in treasuries? In the current environment, will the shorter terms continue to increase and the longer terms decrease? Thanks.