Category Archives: Cash alternatives

Let’s offer praise for high interest rates

Posted on July 27, 2025 by Tipswatch

Do you agree? Probably not. But high interest rates benefit savers. By David Enna, Tipswatch.com Let’s step back in time, to 1965: I was 12 years old and folks from a nearby Savings and Loan came into my classroom to … Continue reading →

Posted in Bank CDs, Cash alternatives, Federal Reserve, Inflation, Retirement, Treasury Bills | 36 Comments

The TIP ETF just hit a meaningless milestone

Posted on July 1, 2025 by Tipswatch

For some reason, the $110 net asset value is a marker for me. By David Enna, Tipswatch.com I have been writing about Treasury Inflation-Protected Securities for more than 14 years, and that is plenty of time to dream up “significant … Continue reading →

Posted in Bank CDs, Cash alternatives, Federal Reserve, Inflation, Investing in TIPS | Tagged , , , , , , | 14 Comments

The U.S. T-bill market is feeling the debt pinch

Posted on June 28, 2025 by Tipswatch

A looming debt-limit crisis is causing yield anomalies. By David Enna, Tipswatch.com In looking over this week’s auctions of Treasury bills, I noticed something unusual, but also predictable: The looming debt-limit crisis is beginning to send tremors through the short-term … Continue reading →

Posted in Cash alternatives, Federal Reserve, Treasury Bills, TreasuryDirect | Tagged , , , , , , | 16 Comments

What’s the composite rate for your I Bonds?

Posted on May 4, 2025 by Tipswatch

By David Enna, Tipswatch.com The Treasury just set the new composite rate for I Bonds purchased from May to October 2025: 3.98% for six months, based on a combination of a permanent fixed rate of 1.10% and an inflation-adjusted variable … Continue reading →

Posted in Cash alternatives, I Bond, Inflation, Savings Bond, TreasuryDirect | Tagged , , | 12 Comments

I Bond gets a new fixed rate of 1.10%, composite rate of 3.98%

Posted on April 30, 2025 by Tipswatch

A predictable result in unpredictable times. By David Enna, Tipswatch.com The U.S. Treasury held to past practices today, setting the new fixed rate for the U.S. Series I Savings Bond at 1.10%, as expected, and the new composite rate at … Continue reading →

Posted in Cash alternatives, I Bond, Inflation, Retirement, Savings Bond, TreasuryDirect | 43 Comments