Summary
- The ‘no-risk’ fixed-income market has become a low-yield wasteland, with rates dropping in 2016.
- I Bonds at least offer a return that is guaranteed to beat inflation.
- FDIC-insured CDs have appeal because of short terms and promotional rates.
Although I write exclusively about boring, very safe investments like I Bonds and Treasury Inflation-Protected Securities, I don’t advocate putting all your assets into this type of investment. Instead, I recommend making them part of your asset mix.
The problem with this investing style is that the ‘no-risk’ market has become a low-yield wasteland. And in fact, midway through 2016, it’s very difficult to find suitable investments. Here’s a look at the major categories, and their pluses and minuses.
Treasury Inflation-Protected Securities 
I just read all of the above, as always, very helpful and informative. Yes, predicting inflation, stock market, rates, etc.…