10 year US treasuries my good friend, no state or local income taxes and HYSA ra... | Hacker News

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		toomuchtodo on Aug 20, 2024 \| parent \| context \| favorite \| on: The anatomy of a 2AM mental breakdown 10 year US treasuries my good friend, no state or local income taxes and HYSA rates will decline as the Fed lowers the federal funds rate. 3% is on par for SCHD, which is a popular ETF dividend fund (that provides income, but also growth). Different risk profile than treasuries though. https://finance.yahoo.com/quote/SCHD/

fragmede on Aug 20, 2024 [–]

We're still under a yield curve inversion, no? 3-month t-bills are paying 5.149% which is more than the rest.

toomuchtodo on Aug 20, 2024 | [–]

Which will decline as the Fed cuts rates. Longer duration locks in risk free yields longer. Your portfolio goals and allocation will of course drive your strategy.

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