I am definitely not a fan of purchasing TIPS with negative real yields. My goal is to get a safe…
I Bonds would definitely outperform inflation in an era of severe deflation. But the fixed rate would get wiped out,…
I-bonds would surely shine were the economy to collapse and a deflationary crisis hit.
I purchased the April 2026 TIPS at a very different time, sometime in 2024. The real yield to maturity was…
Tag Archives: personal-finance
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 personal-finance, The Treasury
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 bonds, inflation, investing, personal-finance, TIPS
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 inflation, investing, personal-finance
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 investing, personal-finance, TIPS, Treasury investments
9 Comments
Looking back at my longest-held stocks
By David Enna, Tipswatch.com After writing my memorial to financial guru Bob Brinker last week, I thought it would be interesting to look back at my individual stock investments over the years, or at least the ones I am still … Continue reading
Posted in Investing in TIPS
Tagged Asset allocation, ETFs, investing, Nvidia, personal-finance
13 Comments
Treasury Inflation-Protected Securities 
Thanks for the detailed explanation. I believe you are saying the "breakeven inflation rate" should reflect the inflation expectation rather…