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Personal Finance and Investing

Frasier Balzov

(3,486 posts)

6. Zero coupon treasury bills due within two years.

Reply to Duncanpup (Original post)

Wed May 11, 2022, 02:13 PM

May 2022

The zero coupons reach par at maturity, so there's an inexorable upward pressure on them.

Keep laddering them and you'll keep pace with rising rates.

If zeros become scarce, then 0.125% will be the next best choice to mimic the same behavior.

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? On 401k [View all] Duncanpup May 2022 OP

Yes, if they match do it onlyadream May 2022 #1

Taxes may be significantly higher JenniferJuniper May 2022 #2

I wish I knew that 40 some years ago Deuxcents May 2022 #3

I don't think Roth existed until the late 90's. JenniferJuniper May 2022 #4

Maybe right.. Deuxcents May 2022 #5

You're correct. 1997. A HERETIC I AM May 2022 #8

Roth IRA's are funded with what I call "Checkbook Money" A HERETIC I AM May 2022 #9

So, is this how it works? onlyadream May 2022 #13

One simplified analysis ... progree May 2022 #14

Spot on. A HERETIC I AM May 2022 #15

Much appreciated, thanks progree May 2022 #18

Thank you so much for that awesome explanation! onlyadream May 2022 #16

Your're welcome 😊 progree May 2022 #17

No matter which type IRA, it is worth getting into one as early as possible csziggy May 2022 #19

Not to mention she got a tax break too for the amounts that she put into the 401k progree May 2022 #20

Oh, nice. PoindexterOglethorpe Jul 2022 #22

Zero coupon treasury bills due within two years. Frasier Balzov May 2022 #6

I try to put as much in a Roth as possible. Gore1FL May 2022 #7

Yes, your Roth needs to be the last place you take money from. PoindexterOglethorpe Jul 2022 #23

Just me, but I have invested in good quality, high dividend stocks. multigraincracker May 2022 #10

You asked a couple questions, so at the risk of being redundant from those above..... A HERETIC I AM May 2022 #11

Thank you very much Duncanpup May 2022 #12

Excellent advice here. PoindexterOglethorpe May 2022 #21

Yes take the free money. we can do it Aug 2022 #24