Buy TLT Now? | iShares 20+ Year Treasury Bond ETF

Should you buy TLT now or buy individual 20-year & 30-year Treasury Bonds? What are the highest-yielding new issue agency & corporate bonds, plus what are the yield expectations for this week's Treasury auctions - watch on & find out!

#jenniferlammer #bondbeginners #bondmasters
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*Sources & referenced videos can be found in first pinned comment

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[DiamondNestEgg]

💎 Bond Beginners (our foundational-level bond course):

💎 Bond Masters (our intermediate-level bond course):




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Here is the overview for Bond Beginners:

1. Bond Basics

What A Bond Is & How A Bond Works
Why Invest In Bonds
New Issue vs Secondary Market Bonds
Interest Rates & Bond Prices
Current Yield & Yield To Maturity
Always Remember This!
Buying At Par, Above Par & Below Par
Different Types Of Bonds
Wrap-Up

2. The Risks Of Bond Investing

Seven Key Bond Risks
Credit Risk
Interest Rate Risk
Reinvestment Risk/Call Risk
Inflation Risk
Liquidity Risk
Currency Risk & Country Risk
Bond Risk Mitigation Strategies
Wrap-Up

3. US Treasuries Overview

What Are US Treasuries
Why Invest In Treasuries
Where Can You Buy Treasuries
How Are Treasuries Taxed
Wrap-Up

4. Treasury Bills

What Are Treasury Bills (T-Bills)
When Do T-Bill Auctions Happen
Where Should You Buy At Auction
Auto-Roll When Buying At Auction
Where To Find Recent Auction Results
High Rate vs Investment Rate
Reopening Auctions
Cash Management Bills (CMBs)
Buying & Selling On Secondary Market
Wrap-Up

5. Treasury Notes & Bonds

What Are Treasury Notes & Bonds
When Do Auctions Happen
Buying Treasury Notes & Bonds
Auction High Yield vs Interest Rate
Floating Rate Notes (FRNs)
Treasury Zeros (STRIPS)
Wrap-Up

6. TIPS (Inflation-Protected)

What Are TIPS
When Do TIPS Auctions Happen
Nominal vs Real Yields
Negative Yields
How Do You Adjust TIPS For Inflation
Taxes On Phantom Income
Secondary Market Liquidity
Wrap-Up

7. I-Bonds (Inflation-Protected)

What Are I-Bonds
How Does I-Bond Interest Work
I-Bonds vs TIPS
The Annual I-Bond Limit
Wrap-Up

8. Agency Bonds

The Universe Of Bonds
What Are Agency Bonds
How Are Agency Bonds Taxed
Treasuries vs Agencies
Who Might Want To Consider Agencies
Yield-To-Call & Yield-To-Worst
Where Can You Buy Agency Bonds
Wrap-Up

9. Municipal Bonds

Our Bond Universe Gets More Complex
What Are Municipal Bonds
How Safe Are Munis
How Are Munis Taxed
The De Minimis Rule
Social Security & Medicare Premiums
Treasuries, Agencies & Munis
Who Might Want To Consider Munis
Wrap-Up

10. Corporate Bonds

Our Bond Universe Is Complete
What Are Corporate Bonds
How Safe Are Corporates
Corporate Bond Hierarchies
Five Key Features Of Corporate Bonds
How Are Corporates Taxed
Treasuries vs Corporates, Etc.
Who Might Want To Buy Corporates
Wrap-Up



Here is the overview for Bond Masters:

1. Stocks vs Bonds

Historical Performance
Are Bonds Really Less Volatile
Why Invest In Bonds
Accumulation vs Decumulation
Allocation of Stocks vs Bonds
Wrap-Up

2. Which Bonds Might Be Right For You

Treasuries & Other Types of Bonds
Nominal vs Real Yields
Inflation vs Non-Inflation-Protected
Taxable vs Tax-Advantaged Accounts
Wrap-Up

3. Bond Ladders & Other Bond Strategies

Normal vs Inverted Yield Curve
What Is A Bond Ladder
5 Important Bond Laddering Questions
Laddering When Rates Are Rising
Laddering When Rates Are Falling
Laddering When Rates Are Uncertain
What Is A Bullet
What Is A Barbell
Wrap-Up

4. Holding to Maturity vs Selling Early

Why Hold to Maturity
When To Sell Early Before Maturity
Tax Implications Of Selling Early
Wrap-Up

5. Individual Bonds, Bond Funds, Etc.

Why Buy Individual Bonds
Why Buy Bond Funds
Bond Fund Considerations
Key Bond Fund Concepts
CDs vs Treasuries
Other High-Yield Investments
Wrap-Up

6. Our B.E.S.T. Model Portfolios By Age

Our B.E.S.T Model Portfolios By Age
Model Portfolios In The Industry
B.E.S.T Model Portfolio Difference
How Much Do You Need To Retire?
How I Use The Rules of 100, 110, & 120
B.E.S.T Model Portfolios (20s)
B.E.S.T Model Portfolios (30s & 40s)
B.E.S.T Model Portfolios (50s & 60s)
B.E.S.T Model Portfolios (70s+)
Wrap-Up

7. The Decumulation Phase

What Is The Decumulation Phase?
Bear Markets & Recessions
What Can You Do In Bad/Bear Markets
Decumulation Tax Considerations
The 4% Rule
The Bucket Strategy
The Flooring Approach
Jen’s Bucket Strategy With A Twist
Wrap-Up



SOURCES & FOLLOW-UP VIDEOS FOR TODAY'S VIDEO:




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[ciaotwo]

I rather concentrate on the 1-4 month T-Bills as long as they continue paying @ 5+%....been doing this for almost 2 yrs...THANKS to Jenn!

[LouisHansell]

First - you do a great job informing us about the Treasury market and how we should invest in Treasuries.
Let me contribute some technical analysis to this discussion.
TLT closed today at 92.52. On July 20, 2020 - almost exactly 4 years ago - TLT closed at 170. 170! TLT has declined quiet a bit since then.
Today, TLT is rising above its 40-day and 200-day moving averages. A close above 94 would be a breakout on the TLT P&F chart.
These are indications of a favorable buying area for TLT. TLT would have no resistance (after breaking 94) until 98.
That would be a capital gain of 6%+ on top of the 3.5% or so coupon.
Your videos have encouraged me to use short-term bills, and I have been getting 5% for some time.
But the T-Bills have no capital appreciation happening, so TLT is attractive.
That, from a happy Diamond NestEgg subscriber who 'thumbs-up' every eagerly anticipated episode.
Thanks for all your work!

[goldl]

Yes please make a video on rates on the longe-end!

[DavidLitman-phlu]

I'm staying short with T-bills for now. Too much uncertainty and volatility with TLT. It's a crapshoot. I do enjoy gambling, but not with my retirement funds.

[ppumpkin]

Seems like a dangerous time to go long, yes the Fed may cut, but then inflation is still here, either party could continue spending and increasing debt.

[ccos]

Yes, a video on the behavior of longer term Bo da in light of rate cuts would be of great interest!! ❤

[NormalNonsense]

Future feels far too murky, so I'm sticking with short-term stuff (4-13 week). I think we'll get a clearer picture once the election is over and things settle down a bit.

[marcusallee]

I specifically want to thank you for recording this with the volume up, my iPad is wimpy and often can’t play videos loud enough if I have any amount of background noise.

[BryanCecilio-hj]

Yes I would love to hear about the long rates and what moves them. Thanks!

[yeejohtay]

Just found your video on TLT and I just bought $50k TMF hopefully price will go to the moon in 1-2 years

[agsmith]

👍 A video on bear vs bull steepeners explained in your usual clear way would probably be helpful for a lot of people!

[Robertt]

TLT is still a bargain in my opinion. It is only about 5% from the 2024 YTD lows, with a potential 48% upside (the highs of 2020) thru the next few years, and it pays about 3.8% annual dividend (paid each month at this time). The FED has an expected 96% chance of a September rate cut according to traders. This will likely move some Bond rates lower and the TLT higher. At these levels, there is a much lessened risk, and you get the 3.8% dividend while you hold the ETF. * Please do your own research. This is only an opinion *
I’ll also continue to buy shorter end T-Bills, and remain forever grateful to Jennifer for all her knowledge and guidance thru the years.

[markjoppru]

i'm buying some 2 year T-Notes this week - I think it's a good time to lock in a bit longer terms

[pauljoseph]

Not a fan of bond funds. I prefer to buy bonds outright. I am intrigued by the agency bonds though, might look into that.

[timlangford]

Great informative video. New to your channel, but impressed with your very clear and concise videos.

[marym]

Very clearly explained such complicated topic. Thank you

[einstendavidson]

If fed rate goes to 0 due to upcoming alleged financial crisis, TLT share price for sure +50% minimal. Is that a reasonable expectation if there's a financial crisis?

[gilbellamy]

Thanks for your videos. They are very helpful and informative

[forex_shark]

TLT looks great to me, looks like the next big trade.