Category Archives: Taxes

TreasuryDirect tax forms: How to find the 1099s, decipher them

Posted on January 26, 2025 by Tipswatch

By David Enna, Tipswatch.com If you are an account holder at TreasuryDirect, one of your “duties” each January is to go on a hunt for your 1099s, the extremely important (and ruthlessly obtuse) tax forms the Treasury hides away deep … Continue reading →

Posted in EE Bonds, I Bond, Investing in TIPS, Savings Bond, Taxes, Treasury Bills, TreasuryDirect | 45 Comments

Considering an I Bond rollover? Do it the right way.

Posted on September 25, 2024 by Tipswatch

For some investors, cashing in low-fixed-rate I Bonds makes sense, combined with the gift-box strategy to add to holdings in October. By David Enna, Tipswatch.com We are just a month and a few days away from the November 1 rate … Continue reading →

Posted in Cash alternatives, Inflation, Retirement, Savings Bond, Taxes, TreasuryDirect | Tagged inflation, investing, personal-finance | 41 Comments

Interested in swapping out 0.0% fixed-rate I Bonds? Here’s a guide.

Posted on March 31, 2024 by Tipswatch

By David Enna, Tipswatch.com A logical strategy for some I Bond investors is to act now to redeem I Bonds with a fixed rate of 0.0% (and a current composite rate no higher than 3.94%) and use that money to … Continue reading →

Posted in Cash alternatives, I Bond, Inflation, Savings Bond, Taxes, TreasuryDirect | 51 Comments

Attention investors: Is it time to rebalance?

Posted on March 10, 2024 by Tipswatch

By David Enna, Tipswatch.com While returning home from New Zealand a few days ago, I got into an airport conversation with a traveling friend. I mentioned I had a lot of things to do once I got home (about 30 … Continue reading →

Posted in Cash alternatives, I Bond, Retirement, Taxes | Tagged investing, personal-finance | 57 Comments

Long-time I Bond investors face a tax time bomb

Posted on February 4, 2024 by Tipswatch

By David Enna, Tipswatch.com U.S. Series I Savings Bonds are a unique investment because all interest is rolled into principal until redemption, and in most cases, all the compounded earnings are tax deferred until the I Bond is redeemed or … Continue reading →