超安全 巴菲特公司75%的钱都放在这儿

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美国巴隆周刊（Barron's）报道，波克夏大多数现金都停泊在超安全的资金避风港湾：美国国库券（U.S. T-Bills）。散户投资人不妨考虑跟进巴菲特的脚步，因为现在这些国库券提供多达3%的殖利率。

美国国库券由美国政府发行、到期期限一年以内的证券，被视为替代货币市场基金和银行定存单（CD）很好投资工具，利息收入可享州税和地方税扣除额。投资人可经由TreasuryDirect计划直接向美国财政部购买，或透过银行和经纪商购买。

巴菲特偏好国库券甚于其他短期债券如商业本票(一种企业借据)，因为他不想为波克夏的现金财库操太多心。截至6月底，波克夏现金水位总计1,050亿美元，其中约750亿美元就是停泊在美国国库券。.

美国国库券有3个月、6个月、12个月及4周和8周这几种期别。彭博资讯资料显示，目前美国3个月期国库券殖利率2.5%；6个月期，3.05%；1年期，3.2%。随著美国联准会（Fed）持续提高短期利率，如今联邦资金利率目标区间已升到2.25%-2.5%，美国国库券殖利率也从一年前的略高于0%节节上升。

美国财政部每周定期标售3个月和6个月的国库券，1年期国库券则每四周标售一次。

另一投资美国国库券的管道是透过ETF投资，例如规模200亿美元的iShares短期美国公债ETF(代码：SHV)，如今收益率2.1%。

美国国库券流动性高，可轻易透过银行和证券公司出售，但许多投资人选择一直持有至到期日。

尽管国库券目前的殖利率与美国通膨年增率8.5%相比，仍差一大截，但却优于其他短期投资工具，而且还提供节税的好处。

sexpuppy

With near double digit inflation and high interest rate, 3% is terrible for a normal person as you'd get more even from bank GICs.  Although when you have billions to manage he probably doesn't have much choice either as to where to park those money.

shagmate

The game is totally different when you have billions to invest.  Us normal folks need something more aggressive than 3%.

^$$$^

3 % is useless for most
My cibc e savings account is offering 4%

rkim

sexpuppy 发表于 2022-8-23 22:24
With near double digit inflation and high interest rate, 3% is terrible for a normal person as you'd ...

For investment purpose you need certain amount of money before it can be significant enough to make serious long term bets. It also takes time to learn about value investing and the patience to wait for the best opportunities.

For short term speculation you need to develop very specific skills in a specific game to win. Rarely anyone willing to take the time and effort to develop their skills first.

e.g. one can focus on trading penny stocks and it is very different from trading forex

shagmate

Everyone wan't to hit those home run but getting there takes alot of pain and discipline.  Everyone's situation is different, strategy for someone will most likely not work for others.

呵呵哒12345

现在大多数金融机构给的saving甚至chequing account都比3%要高……menu life, b2b bank什么的都有超3%的chequing

matrix9

楼上的兄弟们，说的是加币的利率。楼主说的是美元

star2020

也不知道利息要涨到什么时候