Tag Archives: personal-finance

New 5-year TIPS gets a real yield of 1.670% to potentially lukewarm demand

By David Enna, Tipswatch.com The Treasury’s offering of $24 billion in a new 5-year TIPS, CUSIP 91282CLV1, auctioned today with a real yield to maturity of 1.670%, the lowest for this term since April 2023. This one is a bit … Continue reading

Posted in Inflation, Investing in TIPS, TreasuryDirect | Tagged , , , , , , , , | 11 Comments

Deciphering TreasuryDirect’s mysterious gift-box email

By David Enna, Tipswatch.com Update, Jan 31, 2025: I noted in this article that I was going to make a “test” I Bond purchase in January 2025 to see if it would trigger a purchase limit because of gift box … Continue reading

Posted in I Bond, Inflation, Savings Bond, TreasuryDirect | Tagged , | 85 Comments

What about Thursday’s auction of a new 5-year TIPS?

Real yields are holding up, but the curve is widening. By David Enna, Tipswatch.com The October auction of a new 5-year Treasury Inflation-Protected Security is always a baffler. The auctioned real yield is highly likely to be lower than many … Continue reading

Posted in Federal Reserve, I Bond, Inflation, Investing in TIPS, TreasuryDirect | Tagged , , , , | 20 Comments

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

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 , , | 41 Comments

Real yields are sinking. What does this mean for Thursday’s 10-year TIPS reopening auction?

By David Enna, Tipswatch.com First off, let’s point out that the Federal Reserve has not yet lowered interest rates by a single basis point and, in fact, the federal funds rate has been stable since July 2023. But changes are … Continue reading

Posted in Federal Reserve, I Bond, Inflation, Investing in TIPS, Savings Bond, TreasuryDirect | Tagged , , , | 9 Comments