Category Archives: I Bond

Academic study: I Bonds out-perform high-yield savings accounts

Posted on June 7, 2026 by Tipswatch

By David Enna, Tipswatch.com A new research paper by a Marquette University professor found that Series I Savings Bonds created annual returns substantially higher than high-yield savings accounts (HYSAs) between 1999 and April 2026. The emeritus professor, Dr. David Krause, … Continue reading →

Posted in Cash alternatives, Federal Reserve, I Bond, Inflation, Retirement, Savings Bond, Treasury Bills | Tagged investing, personal-finance, Treasury investments | 35 Comments

Energy shock sends U.S. inflation to a three-year high

Posted on May 12, 2026 by Tipswatch

By David Enna, Tipswatch.com The lingering war in the Mideast, and its oil-price shock, sent U.S. seasonally-adjusted inflation 0.6% higher in April and pushed the annual rate to 3.8%, its highest level since May 2023, the Bureau of Labor Statistics … Continue reading →

Posted in Federal Reserve, I Bond, Inflation, Investing in TIPS | Tagged economy, investing, personal-finance, Treasury investments | 41 Comments

Treasury holds I Bond fixed rate at 0.90%; composite rate rises to 4.26%

Posted on April 30, 2026 by Tipswatch

I Bonds remain an attractive investment for capital preservation. By David Enna, Tipswatch.com The Treasury announced this morning it is holding the fixed rate of the U.S. Series I Savings Bond at 0.90%, the rate in effect since since November … Continue reading →

Posted in Cash alternatives, I Bond, Inflation, Savings Bond, Treasury Bills, TreasuryDirect | 37 Comments

TreasuryDirect, ditch the ‘gift box’ and raise the I Bond purchase cap

Posted on April 26, 2026 by Tipswatch

My solution: Double the purchase cap to at least $20,000 a year. By David Enna, Tipswatch.com Last week, TreasuryDirect again sent emails asking holders of savings bonds in gift boxes to deliver them as quickly as possible. I have written … Continue reading →

Posted in Cash alternatives, EE Bonds, I Bond, Inflation, Retirement, TreasuryDirect | Tagged investing, personal-finance, Treasury investments | 81 Comments

Here comes a rather unexciting 5-year TIPS auction

Posted on April 19, 2026 by Tipswatch

By David Enna, Tipswatch.com Unexciting? These days, maybe that’s a good thing. The U.S. Treasury on Thursday will auction $26 billion of a new 5-year Treasury Inflation-Protected Security — CUSIP 91282CQP9. The real yield to maturity and coupon rate will … Continue reading →