• @runawaycorvid
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    51 year ago

    What’s the delta between T bill rates and a money market fund like SPAXX or similar? Just curious… I’ve never looked into it.

      • @bloodsangre7OPM
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        41 year ago

        With no state tax and cash being a pretty small part of my allocation, my focus is much more on accessibility vs yields. I am ok with taking the yield hit but have the flexibility of an Ally 4.15% MMA with checking options, so no T bills for me

        • @[email protected]
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          31 year ago

          To be honest, the 1% extra is probably only yielding me around $500/yr, but I have learned a lot more about fixed income over the last year than I’ve learned while rates were low.

          I’ve never been in the position to have to decide when/if to extend the duration of my bonds, hence the original question. My gut is saying that sometime this year I should extend to around 2 years duration and that by next year rates might start going down. But of course I don’t know nothing!