If you saved all the money and assumed a 7% return, you would breakeven around age 87 or 88. At…
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…
Category Archives: Cash alternatives
I Bond buying guide for 2026: Wait it out
By David Enna, Tipswatch.com Last January, Series I Savings Bonds offered a fixed rate of 1.20% and had a lot of appeal. A year later, that fixed rate has fallen to 0.90%. Are I Bonds still relevant for investors seeking … Continue reading
The Savings Bond Calculator has a problem
Here is a guide to a workaround. By David Enna, Tipswatch.com It’s a new year and I am sure a lot of investors in Series I and EE Savings Bonds are using TreasuryDirect’s Savings Bond Calculator to determine year-end values … Continue reading
Posted in Cash alternatives, I Bond, Savings Bond, TreasuryDirect
Tagged investing, personal-finance, Treasury investments
35 Comments
The bond market isn’t buying the Fed’s rate cuts
By David Enna, Tipswatch.com As the Federal Reserve continues on a path toward lower short-term interest rates, the bond market isn’t tagging along. Instead, yields on medium- and longer-term Treasurys have been increasing, not falling. The Fed began its latest … Continue reading
Posted in Cash alternatives, Federal Reserve, Inflation, Investing in TIPS, Tariffs, Treasury Bills
Tagged economy, finance, inflation, interest-rates, investing
32 Comments
Treasury sets I Bond fixed rate at 0.9%, composite rate of 4.03%
By David Enna, Tipswatch.com There were no surprises in this morning’s announcement of the new fixed and composite rates for U.S. Series I Bonds purchased from November 2025 to April 2026. Treasury followed its past practices, setting the fixed rate … Continue reading
Posted in Cash alternatives, EE Bonds, I Bond, Inflation, TreasuryDirect
16 Comments
TreasuryDirect did something right, but I’m still confused
Maybe it’s just me? By David Enna, Tipswatch.com TreasuryDirect has posted an updated notice about the upcoming change in rates for U.S. Series I Bonds, and this time it almost nailed it. At times in the distant past, TreasuryDirect would … Continue reading
Posted in Cash alternatives, I Bond, Inflation, TreasuryDirect
Tagged investing, personal-finance
20 Comments
Treasury Inflation-Protected Securities 
It's a good return for an annuity taken at that age, but it's a small enough sum that it may…