Category Archives: TreasuryDirect

The I Bond’s fixed rate will rise. But by how much?

Note: Since I posted this article on Oct. 8, real yields have declined about 20 basis points. That could shift the fixed-rate reset lower than I predicted, if this trend continues. By David Enna, Tipswatch.com It’s clear to me that … Continue reading →

Posted in I Bond, Savings Bond, TreasuryDirect | 36 Comments

10-year TIPS reopening auction should get best real yield in 14 years

By David Enna, Tipswatch.com This year, for the first time, I’ve soured on buying Treasury Inflation-Protected Securities at auction. Why? Because real yields have often come in a bit below “predicted” market value. That’s been especially true of the 10-year … Continue reading →

Posted in Inflation, Investing in TIPS, TreasuryDirect | 17 Comments

For some, this week’s 30-year TIPS reopening will be a ‘unique’ opportunity

By David Enna, Tipswatch.com One of the year’s most interesting TIPS auctions is coming Thursday, the reopening of CUSIP 912810TP3, creating a 29-year, 6-month Treasury Inflation-Protected Security. Like many of you, I won’t be a buyer at this $8 billion … Continue reading →

Posted in Inflation, Investing in TIPS, TreasuryDirect | 45 Comments

Now is an ideal time to build a ladder of inflation-protected TIPS

Update July 1, 2026: Although this article was posted in August 2023, the logic of ladder building holds true today. According to Tipsladder.com, investors today can build a 30-year TIPS ladder with a composite real yield of 2.6% and a … Continue reading →

Posted in Federal Reserve, Investing in TIPS, Retirement, TreasuryDirect | 68 Comments

The I Bond exit ramp is now open; proceed with caution

Time redemptions to take full advantage of the recent 6.48% variable rate. By David Enna, Tipswatch.com First off, before I start talking about redeeming investments in U.S. Series I Savings Bonds, let’s take a moment to ponder just how worthwhile … Continue reading →

Posted in Cash alternatives, I Bond, Investing in TIPS, Savings Bond, Treasury Bills, TreasuryDirect | 150 Comments