Category Archives: Cash alternatives

TreasuryDirect sends another clear message: Changes are coming

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 | 54 Comments

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

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%

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

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

I Bond rate reset: We’re heading toward chaos

Oct. 24 update: September inflation report sets I Bond variable rate at 3.12% Oct. 12 update: I Bond fixed rate projection just fell to 0.90% Oct. 10, 2025 update: The Trump administration has allowed the BLS to recall staff to prepare … Continue reading

Posted in Cash alternatives, Federal Reserve, I Bond, Inflation, Investing in TIPS, Savings Bond, TreasuryDirect | 31 Comments