Best Websites to Investigate: Treasury Direct

Photo Credit: (https://www.whitecoatinvestor.com/buy-i-bonds/)

The stock market has been pretty unpredictable recently, and I have been hesitant to deploy more cash with so many experts saying there is a high risk of a recession coming. However, one positive from this market (and the high interest rates/inflation) is the increased return of bonds and savings accounts.

Treasury Direct is a website offered by the government that lets you invest in bonds, bills, and other financial instruments. The website itself is terribly outdated and the UI/UX is awful (it is so bad it almost seems like a scam); however, if you do some research on the offerings there are actually some interesting opportunities.

The most intriguing opportunity to me (at least right now) is I-bonds, which I think is worth doing more research on. I-bonds have to be held for a year, and it is best if you hold them for at least five years (or else you have to pay back the previous 3 months of interest), so they should be considered a more long time horizon investment.

The interest rate on I-bonds changes every six months, but right now the rate is 9.62%. This rate is guaranteed for the next 6 months after purchase, and then it will change to whatever the new rate is (which depends on inflation). For a more detailed breakdown of how I-bonds work (this is not financial advice from me!), I would recommend looking at this helpful article by Investopedia. I-bonds are not for everyone and the rules/restrictions on buying them mean you should do more detailed research before buying; however, I do think they are at least worth investigating in this current economy!

Treasury Direct Recommendation Rating: 4

1: Something worth checking out if you have time

2: Something that is a hit for some people, but not a must for everyone

3: Something worth prioritizing if interested

4: Something worth making time to check out

5: An absolute home run, worth going out of your way for

4 Website

Ro's Recz View All →

Hi,
This is a blog for myself (and hopefully others) to keep track of all of the places, restaurants, books, movies, etc. that I do not want to forget. I am a college student who has lived in the US, Asia, and Europe for extended periods of time; I am very lucky to have had these experiences, and I want to share my recommendations with people interested in any of these locations.

NONE of these posts are advertisements. I do not have any discount codes or promotions for anything I write about; however, this should be considered a positive because it means that everything I write about reflects my true feelings. In order to keep this blog positive, my posts will only be recommendations for the things I enjoy the most in life. The topics will vary between whatever subjects I am interested in at a certain time, and I will have 1-2 new posts per day.

I wish I could have started this project earlier while some of my memories were fresher in my mind, but it is better late than never. I hope that other people will have the chance to visit or experience things that I write about, and I hope that people will have a similar taste in life to myself!

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