Category Archives: Cash alternatives

TreasuryDirect did something right, but I’m still confused

Posted on October 27, 2025 by Tipswatch

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 , | 20 Comments

TreasuryDirect sends another clear message: Changes are coming

Posted on October 26, 2025 by Tipswatch

By David Enna, Tipswatch.com A helpful reader alerted me last week that TreasuryDirect was asking investors to clear out their Zero-Interest Certificates of Indebtedness (C of I) holdings. Based on the wording of the email, I’d call it a “warning,” … Continue reading →

Posted in Cash alternatives, EE Bonds, I Bond, Savings Bond, Treasury Bills, TreasuryDirect | 56 Comments

September inflation report sets I Bond variable rate at 3.12%; Social Security COLA will be 2.8%

Posted on October 24, 2025 by Tipswatch

By David Enna, Tipswatch.com Welcome to the most important (and most delayed) inflation report of the year: For September, seasonally adjusted U.S. inflation increased 0.3% and the annual rate ticked up from 2.9% to 3.0%, the beleaguered Bureau of Labor … Continue reading →

Posted in Cash alternatives, Federal Reserve, I Bond, Inflation, Social Security, Treasury Bills | 31 Comments

I Bond fixed rate projection just fell to 0.90%

Posted on October 12, 2025 by Tipswatch

Oct. 24 update: September inflation report sets I Bond variable rate at 3.12% By David Enna, Tipswatch.com It was inevitable that the trend of lower 5-year real yields would eventually push my I Bond fixed rate protection to 0.90%, down … Continue reading →

Posted in Cash alternatives, Federal Reserve, I Bond, Inflation, Savings Bond, Social Security, Treasury Bills | Tagged , , | 40 Comments

TreasuryDirect email is an omen of coming changes

Posted on October 9, 2025 by Tipswatch

Again, a prod to deliver gift-box savings bonds. Quickly. By David Enna, Tipswatch.com Savings Bond investors who are holding I Bonds in “gift-box” storage are getting emails from TreasuryDirect this week advising them to deliver the bonds to the intended … Continue reading →

Posted in Cash alternatives, I Bond, Inflation, Retirement, Savings Bond, TreasuryDirect | 84 Comments