Personal opinion: If you are in good health, take the monthly payment — I assume it would be monthly. On…
Actually I think I mean the disparity was much “less”.
I’d take the lump sum. That’s not what I did as a retired Fed, but the disparity between the lump…
General pension question. Which would people take? $15,500 cash lump sum @ 65 $1,280/year @ 65 for life, no COLA
Monthly Archives: December 2024
2024: An inflation-watcher’s year in review
By David Enna, Tipswatch.com This year 2024 brought many surprises. For example: The year 2025 is bringing uncertainty. I would not be surprised to see a fairly large sell-off in stock prices early in the year, with investors eager to … Continue reading
Posted in Federal Reserve, I Bond, Inflation, Investing in TIPS, Savings Bond, Treasury Bills, TreasuryDirect
Tagged economy, finance, inflation, interest-rates, investing, personal-finance
33 Comments
Could the 10-year Treasury yield hit 6% in 2025?
It is a possibility, says a T.Rowe Price analyst. We haven’t seen that level in 25 years. By David Enna, Tipswatch.com The chief investment officer at T.Rowe Price is making a bold prediction: Yields on the 10-year Treasury note could … Continue reading
Posted in Federal Reserve, Inflation, Investing in TIPS, Treasury Bills
Tagged economy, finance, interest-rates, personal-finance, Treasury investments
32 Comments
Weak demand results in real yield of 2.121% for 5-year TIPS reopening auction
By David Enna, Tipswatch.com The U.S. stock and bond markets were sent into turmoil Wednesday by confusing messaging from the Federal Reserve on future inflation and interest rates. As a result, the stock market plummeted and Treasury yields surged higher. … Continue reading
Posted in Federal Reserve, Inflation, Investing in TIPS
Tagged bonds, inflation, investing, personal-finance
18 Comments
Rise in real yields (once again) makes 5-year TIPS auction look attractive
By David Enna, Tipswatch.com Update, Thursday 1:35 p.m. ET: Weak demand results in real yield of 2.121% for 5-year TIPS reopening auction Update, Wednesday 5:17 pm ET: The Federal Reserve’s mixed messaging on inflation (expected to be a bit higher next … Continue reading
Posted in Bank CDs, Inflation, Investing in TIPS, TreasuryDirect
Tagged bonds, inflation, investing, personal-finance, Treasury investments
28 Comments
Treasury is ending its Payroll Savings Plan for purchasing savings bonds
By David Enna, Tipswatch.com I was alerted by a reader yesterday about an email sent from TreasuryDirect informing him that it is “discontinuing the ability” to fund savings bond purchases through payroll deductions. Of course, the Treasury didn’t make this … Continue reading
Posted in Cash alternatives, EE Bonds, I Bond, Investing in TIPS, TreasuryDirect
Tagged Treasury investments
14 Comments
Treasury Inflation-Protected Securities 
If you saved all the money and assumed a 7% return, you would breakeven around age 87 or 88. At…