Looks like a minor bump this week. Lots of volatility this year like last

Was just looking. Starting the year at about 33k.

Going down bigly.

Rothschilds, Vatican, Vanguard and Bleckrock gonna get hurt.

.....will be a scary ride. There will be buying opportunities but for the most part it will be extremely volatile. With savings rates getting into the 4%+ range, that may be where I park my money until things shake out a bit.

SSDD

5.5% on a one year CD. Thinking of taking a loan from my 401K to build a medically required ADA compliant home, (pay myself back) and pay the tax on the rest and put in a CD.

Need to start looking at that...

Where you finding a 5.5 cd?

Pork bellies boys, it's going to be big this year ..........

I was in the futures industry for 40 years. The highlight of that span was the day they delisted them.

couple of my mining stocks way up today.

oil is getting hammered again.

If you have cash just sitting in a brokerage account you can get 1 month CD's at 4.2-4.35 % and 3 month Treasuries at 4.25.
Longer times pay a little bit more but if interest rates keep rising then its better to keep rolling short term instruments.

Local TN bank.

I'll just ride it like I have since retiring in 2015.

My stocks dropped 45% in 2022.

Good thing I got back 1% in 2023.

Supply disruption will get far worse.

Stock market is so Bearish........

that it is actually Bullish.

time to buy????

Marc Cohodes was praising Enovix, which caught my attention. He's a famous short seller, so I started following it. Today, it dropped 40%, lol. Today's long-term investor is anyone holding their position overnight. Slight exaggeration, but some of the swings give that impression.

All ask where for CD 1 month at 4.25 - 4.35?

Best I have found 6 month @ 4.1 on jumbo.

https://www.bankrate.com/banking/cds/cd-rates/#national-average-cd-rates
Bread Financial: 1 year – 5 years, 4.50% APY – 4.75% APY; $1,500 minimum deposit to open
Marcus by Goldman Sachs: 6 months – 6 years, 3.50% APY – 4.30% APY; $500 minimum deposit to open
Capital One: 6 months – 5 years, 3.30% APY – 4.40% APY; no minimum deposit needed to open
Synchrony Bank: 3 months – 5 years, 2.25% APY – 4.50% APY; no minimum deposit needed to open
Barclays Bank: 1 year – 5 years, 4.25% APY – 4.35% APY; no minimum deposit needed to open
Citizens Access: 1 year – 5 years, 3.25% APY – 3.45% APY; $5,000 minimum deposit to open
American Express National Bank: 6 months – 5 years, 0.10% APY – 4.25% APY; no minimum deposit needed to open
Amerant Bank: 1 year – 5 years, 2.25% APY – 4.00%* APY; $10,000 minimum deposit to open
Ally Bank: 3 months – 5 years, 1.50% APY – 4.10% APY; no minimum deposit needed to open
CIT Bank: 6 months – 5 years, 0.30% APY – 4.75% APY; $1,000 minimum deposit to open
I don't see it here.

Go for 3 Mons. Fed will raise again soon.

All of them have had a pretty nice week and as of today, 1-5, are holding their gains for the week. They are certainly leading gold which is supposed to be a positive and gold is doing better than equities in the last weeks.

I was effectively betting against the US economy all of last year with my biggest positions in TTT and TBT. Sold or will sell out of those shortly, as I think this year will be less ugly and there will be some buying opportunities.

Originally Posted by FoxTrotter
If you have cash just sitting in a brokerage account you can get 1 month CD's at 4.2-4.35 % and 3 month Treasuries at 4.25.
Longer times pay a little bit more but if interest rates keep rising then its better to keep rolling short term instruments.

These rates were available last week. They change daily and they are down a little this week.
Your local bank won't give you these rates.
The above rates were available at no cost thru both Schwab and Fidelity and probably other brokerages too.
My 2 cents is to do short term now and then longer term once the Fed raises to over 5% plus there should be buying opportunities in stocks later this year so I don't want to be locked in long term at a low rate.

I also retired in 2015 and thats my strategy too. I doubt this year will be much different than last year.

Lost 13.12% of my 403B last year. 30% of that is in a guaranteed 3.2% interest fund. I retired last year, and I will start to draw on the 3.2% fund next month. I guess I have 8-10 years to burn that to zero. I will be eligible for SS next year, so that will add another 2K per month. Stock should come back I guess, so I will re-feed the 3.2% bucket when times are good.
I can't really tell what that allocation will net after taxes. I think no local or state tax, and the bank is withholding 20% fed tax.

Started laddered CD's last Oct. 3 month, 6month, and 9 month.
First one matured on Jan. 6. rolled it over to another 3 month@ 4.25 thru Fidelity.