Short Term Bond Tracker

Read the documentation of this template in my blog.

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Designed to manage your short-term fixed income instruments.

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Treasury bills (T-bills): T-bills are short-term government securities issued by the U.S. Department of the Treasury. They have maturities of four, 13, 26 or 52 weeks (one year) and are sold at a discount to their face value. When the T-bill matures, the investor receives the full face value. The difference between the purchase price and the face value is the investor's return.
Short-term Treasury notes (T-notes): These are similar to T-bills but have slightly longer maturities. Treasury notes can have maturities of two, three, five or seven years in the United States. They pay interest semiannually and return the principal amount at maturity.
Eurozone bonds: In the Eurozone, short-term government bonds issued by member countries are collectively known as "bills of exchange" or "bills of Treasury." These include instruments like French Treasury bills (BTF), German Treasury discount papers (Schatz) and Italian Treasury bills (BOT), among others.
Emerging market bonds: Short-term government bonds are also issued by emerging market economies, such as China and India. These bonds may have different names and characteristics depending on the issuing country. </aside>

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Interest income: The interest income earned from short-term government bonds is subject to federal income tax. This income is typically taxed at your ordinary income tax rate, which is determined by your total taxable income, including the interest earned from the bonds.
Capital gains: Short-term government bonds are typically issued at a discount to their face value, and when they mature, the difference between the purchase price and the face value is treated as interest income for tax purposes. If you sell short-term government bonds before maturity at a price higher than your purchase price, the difference may be considered a capital gain and subject to capital gains tax.
Tax-advantaged accounts: Short-term government bonds, like other U.S. Treasury securities, are often considered very safe investments and are commonly held in tax-advantaged retirement accounts such as individual retirement accounts (IRAs). Interest income earned within these accounts is not subject to current taxation, allowing for potential tax deferral until you withdraw funds from the account. </aside>

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