I picked up some Charles Schwab notes

Discussion in 'Fixed Income' started by TimtheEnchanter, Jul 11, 2023.

  1. M.W.

    M.W.

    engineering likes this.
  2. maxinger

    maxinger

  3. vanzandt

    vanzandt

    no
     
  4. feels like a lot of risk for an extra 40bps
     
    M.W. and kmiklas like this.
  5. Overnight

    Overnight

    Is Schwab really going under in 1 year?
     
  6. most likely not but I don't have a crystal ball. if there's even a 1 or 2% chance of it happening then for me personally it's not worth the variance
     
  7. kmiklas

    kmiklas

    - Is it callable? Did I miss something or did you omit the most important aspect? Not that it matters with the upcoming rate hike.
    - With comparable T bills paying 5½%, and a rate hike expected in two weeks at the FOMC meeting, you are not being compensated for the additional risk of a corp bond.
    - Did you cross the spread?
    - What did you pay in commissions, and fees?
    - What broker?
    - What is this bond rated?
    - You left out a lot of important stuff!
    - I’m calling this a bad buy. Nothing personal, of course. I’m here to help <3
    - Generally you should get at least 1% more than a Treasury issue with comparable maturity for assuming the additional risk of a corporate bond.
    - In this market, at a minimum I’d bid a 6½% yield, if not or even 7%, to add that to my portfolio.

    Look here: the US Treasury just auctioned a 52-week bill on 7/13 at 5.428% yield.
    https://www.treasurydirect.gov/auctions/announcements-data-results/

    If you were a friend and we were at a bar having a drink I’d smack you and curse you out for this move.:confused:

    Sell that s#!t asap—get it off your books before the Fed raises rates and it’s resale value plunges.

    —Keith
    Non-professional - Not licensed - Not qualified to give advice - Opinion only
     
    Last edited: Jul 11, 2023
    engineering and BMK like this.
  8. mervyn

    mervyn

    This is an old bond when the benchmark rate was nearly zero, credit risk is priced it below par. New issues these days for non bank financials are about 5.5 to 6. I saw USB London 1 year note at 5.75, considering the balance sheet risk they have on the books. Money is still cheap.

    OP made his choice to get Schwab in particular, it is a judgement call, not a losing trade IMO.
     
    TimtheEnchanter and kmiklas like this.
  9. BMK

    BMK

    Well, since we're sharing...

    I've attached a list of our current bond holdings.

    @kmiklas Do you think we have any s#!t that we should sell asap before the Fed raises rates?

    ;)
     
    #10     Jul 12, 2023