1<!DOCTYPE html> 2<html lang="en"> 3<head> 4<meta charset="UTF-8" /> 5<title> 6Inflation and I Bonds | Treasury Inflation-Protected Securities</title> 7<link rel="profile" href="https://gmpg.org/xfn/11" /> 8<link rel="stylesheet" type="text/css" media="all" href="https://s2.wp.com/wp-content/themes/pub/twentyten/style.css?m=1659017451i&ver=20190507" /> 9<link rel="pingback" href="https://tipswatch.com/xmlrpc.php">
10<script type="text/javascript"> 11 WebFontConfig = {"google":{"families":["Cabin:b:latin,latin-ext","Merriweather:r,i,b,bi:latin,latin-ext"]},"api_url":"https:\/\/fonts-api.wp.com\/css"}; 12 (function() { 13 var wf = document.createElement('script'); 14 wf.src = '/wp-content/plugins/custom-fonts/js/webfont.js'; 15 wf.type = 'text/javascript'; 16 wf.async = 'true'; 17 var s = document.getElementsByTagName('script')[0]; 18 s.parentNode.insertBefore(wf, s); 19 })(); 20</script>
20<style id="jetpack-custom-fonts-css">.wf-active #site-title{font-family:"Cabin",sans-serif;font-style:normal;font-weight:700}.wf-active #site-title{font-size:39px;font-style:normal;font-weight:700}.wf-active #site-title a{font-weight:700;font-style:normal}.wf-active .pingback a.url, .wf-active body{font-family:"Merriweather",serif}.wf-active #cancel-comment-reply-link, .wf-active #site-info, .wf-active #wp-calendar, .wf-active .comment-body thead th, .wf-active .comment-body tr th, .wf-active .comment-meta, .wf-active .entry-content label, .wf-active .entry-content thead th, .wf-active .entry-content tr th, .wf-active .entry-meta, .wf-active .entry-utility, .wf-active .form-allowed-tags, .wf-active .pingback p, .wf-active .reply, .wf-active .wp-caption-text{font-family:"Merriweather",serif}.wf-active h1, .wf-active h2, .wf-active h3, .wf-active h4, .wf-active h5, .wf-active h6{font-weight:700;font-family:"Cabin",sans-serif;font-style:normal}.wf-active .page-title span{font-family:"Cabin",sans-serif;font-style:normal;font-weight:700}.wf-active #access .menu, .wf-active #access div.menu ul, .wf-active #respond label, .wf-active .entry-title, .wf-active .navigation, .wf-active .page-title, .wf-active .widget-title, .wf-active h3#comments-title, .wf-active h3#reply-title{font-family:"Cabin",sans-serif;font-style:normal;font-weight:700}.wf-active #access .menu-header, .wf-active div.menu{font-size:16.9px;font-style:normal;font-weight:700}.wf-active .page-title{font-size:18.2px;font-weight:700;font-style:normal}.wf-active .page-title span{font-size:20.8px;font-style:normal;font-weight:700}.wf-active #content .entry-title{font-size:27.3px;font-weight:700;font-style:normal}.wf-active .navigation{font-size:15.6px;font-style:normal;font-weight:700}.wf-active h3#comments-title, .wf-active h3#reply-title{font-size:26px;font-weight:700;font-style:normal}.wf-active #respond label{font-size:15.6px;font-style:normal;font-weight:700}.wf-active .widget-title{font-weight:700;font-style:normal}</style> 21<meta name='robots' content='max-image-preview:large' /> 22<meta name="google-site-verification" content="YEY7Fhj9kM73P6npv2c6ygr3_1V_Lg0Imb7Htb-EZLU" /> 23<meta name="msvalidate.01" content="A2FE73D00809DA63CBA3318D3A15845D" /> 24 25<!-- Async WordPress.com Remote Login -->
26<script id="wpcom_remote_login_js"> 27var wpcom_remote_login_extra_auth = ''; 28function wpcom_remote_login_remove_dom_node_id( element_id ) { 29 var dom_node = document.getElementById( element_id ); 30 if ( dom_node ) { dom_node.parentNode.removeChild( dom_node ); } 31} 32function wpcom_remote_login_remove_dom_node_classes( class_name ) { 33 var dom_nodes = document.querySelectorAll( '.' + class_name ); 34 for ( var i = 0; i < dom_nodes.length; i++ ) { 35 dom_nodes[ i ].parentNode.removeChild( dom_nodes[ i ] ); 36 } 37} 38function wpcom_remote_login_final_cleanup() { 39 wpcom_remote_login_remove_dom_node_classes( "wpcom_remote_login_msg" ); 40 wpcom_remote_login_remove_dom_node_id( "wpcom_remote_login_key" ); 41 wpcom_remote_login_remove_dom_node_id( "wpcom_remote_login_validate" ); 42 wpcom_remote_login_remove_dom_node_id( "wpcom_remote_login_js" ); 43 wpcom_remote_login_remove_dom_node_id( "wpcom_request_access_iframe" ); 44 wpcom_remote_login_remove_dom_node_id( "wpcom_request_access_styles" ); 45} 46 47// Watch for messages back from the remote login 48window.addEventListener( "message", function( e ) { 49 if ( e.origin === "https://r-login.wordpress.com" ) { 50 var data = {}; 51 try { 52 data = JSON.parse( e.data ); 53 } catch( e ) { 54 wpcom_remote_login_final_cleanup(); 55 return; 56 } 57 58 if ( data.msg === 'LOGIN' ) { 59 // Clean up the login check iframe 60 wpcom_remote_login_remove_dom_node_id( "wpcom_remote_login_key" ); 61 62 var id_regex = new RegExp( /^[0-9]+$/ ); 63 var token_regex = new RegExp( /^.*|.*|.*$/ ); 64 if ( 65 token_regex.test( data.token ) 66 && id_regex.test( data.wpcomid ) 67 ) { 68 // We have everything we need to ask for a login 69 var script = document.createElement( "script" ); 70 script.setAttribute( "id", "wpcom_remote_login_validate" ); 71 script.src = '/remote-login.php?wpcom_remote_login=validate' 72 + '&wpcomid=' + data.wpcomid 73 + '&token=' + encodeURIComponent( data.token ) 74 + '&host=' + window.location.protocol 75 + '//' + window.location.hostname 76 + '&postid=2291' 77 + '&is_singular='; 78 document.body.appendChild( script ); 79 } 80 81 return; 82 } 83 84 // Safari ITP, not logged in, so redirect 85 if ( data.msg === 'LOGIN-REDIRECT' ) { 86 window.location = 'https://wordpress.com/log-in?redirect_to=' + window.location.href; 87 return; 88 } 89 90 // Safari ITP, storage access failed, remove the request 91 if ( data.msg === 'LOGIN-REMOVE' ) { 92 var css_zap = 'html { -webkit-transition: margin-top 1s; transition: margin-top 1s; } /* 9001 */ html { margin-top: 0 !important; } * html body { margin-top: 0 !important; } @media screen and ( max-width: 782px ) { html { margin-top: 0 !important; } * html body { margin-top: 0 !important; } }'; 93 var style_zap = document.createElement( 'style' ); 94 style_zap.type = 'text/css'; 95 style_zap.appendChild( document.createTextNode( css_zap ) ); 96 document.body.appendChild( style_zap ); 97 98 var e = document.getElementById( 'wpcom_request_access_iframe' ); 99 e.parentNode.removeChild( e ); 100 101 document.cookie = 'wordpress_com_login_access=denied; path=/; max-age=31536000'; 102 103 return; 104 } 105 106 // Safari ITP 107 if ( data.msg === 'REQUEST_ACCESS' ) { 108 console.log( 'request access: safari' ); 109 110 // Check ITP iframe enable/disable knob 111 if ( wpcom_remote_login_extra_auth !== 'safari_itp_iframe' ) { 112 return; 113 } 114 115 // If we are in a "private window" there is no ITP. 116 var private_window = false; 117 try { 118 var opendb = window.openDatabase( null, null, null, null ); 119 } catch( e ) { 120 private_window = true; 121 } 122 123 if ( private_window ) { 124 console.log( 'private window' ); 125 return; 126 } 127 128 var iframe = document.createElement( 'iframe' ); 129 iframe.id = 'wpcom_request_access_iframe'; 130 iframe.setAttribute( 'scrolling', 'no' ); 131 iframe.setAttribute( 'sandbox', 'allow-storage-access-by-user-activation allow-scripts allow-same-origin allow-top-navigation-by-user-activation' ); 132 iframe.src = 'https://r-login.wordpress.com/remote-login.php?wpcom_remote_login=request_access&origin=' + encodeURIComponent( data.origin ) + '&wpcomid=' + encodeURIComponent( data.wpcomid ); 133 134 var css = 'html { -webkit-transition: margin-top 1s; transition: margin-top 1s; } /* 9001 */ html { margin-top: 46px !important; } * html body { margin-top: 46px !important; } @media screen and ( max-width: 660px ) { html { margin-top: 71px !important; } * html body { margin-top: 71px !important; } #wpcom_request_access_iframe { display: block; height: 71px !important; } } #wpcom_request_access_iframe { border: 0px; height: 46px; position: fixed; top: 0; left: 0; width: 100%; min-width: 100%; z-index: 99999; background: #23282d; } '; 135 136 var style = document.createElement( 'style' ); 137 style.type = 'text/css'; 138 style.id = 'wpcom_request_access_styles'; 139 style.appendChild( document.createTextNode( css ) ); 140 document.body.appendChild( style ); 141 142 document.body.appendChild( iframe ); 143 } 144 145 if ( data.msg === 'DONE' ) { 146 wpcom_remote_login_final_cleanup(); 147 } 148 } 149}, false ); 150 151// Inject the remote login iframe after the page has had a chance to load 152// more critical resources 153window.addEventListener( "DOMContentLoaded", function( e ) { 154 var iframe = document.createElement( "iframe" );
155 iframe.style.display = "none"; 156 iframe.setAttribute( "scrolling", "no" ); 157 iframe.setAttribute( "id", "wpcom_remote_login_key" ); 158 iframe.src = "https://r-login.wordpress.com/remote-login.php" 159 + "?wpcom_remote_login=key" 160 + "&origin=aHR0cHM6Ly90aXBzd2F0Y2guY29t" 161 + "&wpcomid=22028311" 162 + "&time=" + Math.floor( Date.now() / 1000 ); 163 document.body.appendChild( iframe ); 164}, false ); 165</script>
165 166<link rel='dns-prefetch' href='//s1.wp.com' /> 167<link rel='dns-prefetch' href='//s2.wp.com' /> 168<link rel='dns-prefetch' href='//widgets.wp.com' /> 169<link rel='dns-prefetch' href='//s0.wp.com' /> 170<link rel='dns-prefetch' href='//af.pubmine.com' /> 171<link rel="alternate" type="application/rss+xml" title="Treasury Inflation-Protected Securities » Feed" href="https://tipswatch.com/feed/" /> 172<link rel="alternate" type="application/rss+xml" title="Treasury Inflation-Protected Securities » Comments Feed" href="https://tipswatch.com/comments/feed/" /> 173<link rel="alternate" type="application/rss+xml" title="Treasury Inflation-Protected Securities » Inflation and I Bonds Comments Feed" href="https://tipswatch.com/tracking-inflation-and-i-bonds/feed/" /> 174
174<script type="text/javascript"> 175 /* <![CDATA[ */ 176 function addLoadEvent(func) { 177 var oldonload = window.onload; 178 if (typeof window.onload != 'function') { 179 window.onload = func; 180 } else { 181 window.onload = function () { 182 oldonload(); 183 func(); 184 } 185 } 186 } 187 /* ]]> */ 188 </script>
188 189 <style id="wp-img-auto-sizes-contain-inline-css"> 190img:is([sizes=auto i],[sizes^="auto," i]){contain-intrinsic-size:3000px 1500px} 191/*# sourceURL=wp-img-auto-sizes-contain-inline-css */ 192</style> 193<link crossorigin='anonymous' rel='stylesheet' id='all-css-2-1' href='/_static/??/wp-content/mu-plugins/widgets/eu-cookie-law/templates/style.css,/wp-content/mu-plugins/likes/jetpack-likes.css?m=1743883414j&cssminify=yes' type='text/css' media='all' /> 194<style id="wp-emoji-styles-inline-css"> 195 196 img.wp-smiley, img.emoji { 197 display: inline !important; 198 border: none !important; 199 box-shadow: none !important; 200 height: 1em !important; 201 width: 1em !important; 202 margin: 0 0.07em !important; 203 vertical-align: -0.1em !important; 204 background: none !important; 205 padding: 0 !important; 206 } 207/*# sourceURL=wp-emoji-styles-inline-css */ 208</style> 209<style id="wp-block-library-inline-css"> 210:root{--wp-block-synced-color:#7a00df;--wp-block-synced-color--rgb:122,0,223;--wp-bound-block-color:var(--wp-block-synced-color);--wp-editor-canvas-background:#ddd;--wp-admin-theme-color:#007cba;--wp-admin-theme-color--rgb:0,124,186;--wp-admin-theme-color-darker-10:#006ba1;--wp-admin-theme-color-darker-10--rgb:0,107,160.5;--wp-admin-theme-color-darker-20:#005a87;--wp-admin-theme-color-darker-20--rgb:0,90,135;--wp-admin-border-width-focus:2px}@media (min-resolution:192dpi){:root{--wp-admin-border-width-focus:1.5px}}.wp-element-button{cursor:pointer}:root .has-very-light-gray-background-color{background-color:#eee}:root .has-very-dark-gray-background-color{background-color:#313131}:root .has-very-light-gray-color{color:#eee}:root .has-very-dark-gray-color{color:#313131}:root .has-vivid-green-cyan-to-vivid-cyan-blue-gradient-background{background:linear-gradient(135deg,#00d084,#0693e3)}:root .has-purple-crush-gradient-background{background:linear-gradient(135deg,#34e2e4,#4721fb 50%,#ab1dfe)}:root .has-hazy-dawn-gradient-background{background:linear-gradient(135deg,#faaca8,#dad0ec)}:root .has-subdued-olive-gradient-background{background:linear-gradient(135deg,#fafae1,#67a671)}:root .has-atomic-cream-gradient-background{background:linear-gradient(135deg,#fdd79a,#004a59)}:root .has-nightshade-gradient-background{background:linear-gradient(135deg,#330968,#31cdcf)}:root .has-midnight-gradient-background{background:linear-gradient(135deg,#020381,#2874fc)}:root{--wp--preset--font-size--normal:16px;
210--wp--preset--font-size--huge:42px}.has-regular-font-size{font-size:1em}.has-larger-font-size{font-size:2.625em}.has-normal-font-size{font-size:var(--wp--preset--font-size--normal)}.has-huge-font-size{font-size:var(--wp--preset--font-size--huge)}:root .has-text-align-center{text-align:center}:root .has-text-align-left{text-align:left}:root .has-text-align-right{text-align:right}.has-fit-text{white-space:nowrap!important}#end-resizable-editor-section{display:none}.aligncenter{clear:both}.items-justified-left{justify-content:flex-start}.items-justified-center{justify-content:center}.items-justified-right{justify-content:flex-end}.items-justified-space-between{justify-content:space-between}.screen-reader-text{border:0;clip-path:inset(50%);height:1px;margin:-1px;overflow:hidden;overflow-wrap:normal!important;padding:0;position:absolute;width:1px;word-break:normal!important}.screen-reader-text:focus{background-color:#ddd;clip-path:none;color:#444;display:block;font-size:1em;height:auto;left:5px;line-height:normal;padding:15px 23px 14px;text-decoration:none;top:5px;width:auto;z-index:100000}html :where(.has-border-color){border-style:solid}html :where([style^=border-color],[style*=";border-color"],[style*="; border-color"]){border-style:solid}html :where([style^=border-top-color],[style*=";border-top-color"],[style*="; border-top-color"]){border-top-style:solid}html :where([style^=border-right-color],[style*=";border-right-color"],[style*="; border-right-color"]){border-right-style:solid}html :where([style^=border-bottom-color],[style*=";border-bottom-color"],[style*="; border-bottom-color"]){border-bottom-style:solid}html :where([style^=border-left-color],[style*=";border-left-color"],[style*="; border-left-color"]){border-left-style:solid}html :where([style^=border-width],[style*=";border-width"],[style*="; border-width"]){border-style:solid}html :where([style^=border-top-width],[style*=";border-top-width"],[style*="; border-top-width"]){border-top-style:solid}html :where([style^=border-right-width],[style*=";border-right-width"],[style*="; border-right-width"]){border-right-style:solid}html :where([style^=border-bottom-width],[style*=";border-bottom-width"],[style*="; border-bottom-width"]){border-bottom-style:solid}html :where([style^=border-left-width],[style*=";border-left-width"],[style*="; border-left-width"]){border-left-style:solid}html :where(img[class*=wp-image-]){height:auto;max-width:100%}:where(figure){margin:0 0 1em}html :where(.is-position-sticky){--wp-admin--admin-bar--position-offset:var(--wp-admin--admin-bar--height,0px)}@media screen and (max-width:600px){html :where(.is-position-sticky){--wp-admin--admin-bar--position-offset:0px}} 211 212/*# sourceURL=/wp-content/plugins/gutenberg-core/v24.1.0/build/styles/block-library/common.min.css */ 213</style> 214<style id="wp-block-heading-inline-css"> 215h1:where(.wp-block-heading).has-background,h2:where(.wp-block-heading).has-background,h3:where(.wp-block-heading).has-background,h4:where(.wp-block-heading).has-background,h5:where(.wp-block-heading).has-background,h6:where(.wp-block-heading).has-background{padding:var(--wp--style--block-background-padding,1.25em 2.375em)}h1.has-text-align-left[style*=writing-mode]:where([style*=vertical-lr]),h1.has-text-align-right[style*=writing-mode]:where([style*=vertical-rl]),h2.has-text-align-left[style*=writing-mode]:where([style*=vertical-lr]),h2.has-text-align-right[style*=writing-mode]:where([style*=vertical-rl]),h3.has-text-align-left[style*=writing-mode]:where([style*=vertical-lr]),h3.has-text-align-right[style*=writing-mode]:where([style*=vertical-rl]),h4.has-text-align-left[style*=writing-mode]:where([style*=vertical-lr]),h4.has-text-align-right[style*=writing-mode]:where([style*=vertical-rl]),h5.has-text-align-left[style*=writing-mode]:where([style*=vertical-lr]),h5.has-text-align-right[style*=writing-mode]:where([style*=vertical-rl]),h6.has-text-align-left[style*=writing-mode]:where([style*=vertical-lr]),h6.has-text-align-right[style*=writing-mode]:where([style*=vertical-rl]){rotate:180deg} 216/*# sourceURL=/wp-content/plugins/gutenberg-core/v24.1.0/build/styles/block-library/heading/style.min.css */ 217</style> 218<style id="wp-block-image-inline-css"> 219.wp-block-image>a,.wp-block-image>figure>a{color:inherit;display:inline-block}.wp-block-image img{box-sizing:border-box;height:auto;max-width:100%;vertical-align:bottom}@media not (prefers-reduced-motion){.wp-block-image img.hide{visibility:hidden}.wp-block-image img.show{animation:show-content-image .4s}}.wp-block-image[style*=border-radius] img,.wp-block-image[style*=border-radius]>a{border-radius:inherit}.wp-block-image.has-custom-border img{box-sizing:border-box}.wp-block-image.aligncenter{text-align:center}.wp-block-image.alignfull>a,.wp-block-image.alignwide>a{width:100%}.wp-block-image.alignfull img,.wp-block-image.alignwide img{height:auto;width:100%}.wp-block-image .aligncenter,.wp-block-image .alignleft,.wp-block-image .alignright,.wp-block-image.aligncenter,.wp-block-image.alignleft,.wp-block-image.alignright{display:table}.wp-block-image .aligncenter>figcaption,.wp-block-image .alignleft>figcaption,.wp-block-image .alignright>figcaption,.wp-block-image.aligncenter>figcaption,.wp-block-image.alignleft>figcaption,.wp-block-image.alignright>figcaption{caption-side:bottom;display:table-caption}.wp-block-image .alignleft{float:left;margin:.5em 1em .5em 0}.wp-block-image .alignright{float:right;margin:.5em 0 .5em 1em}.wp-block-image .aligncenter{margin-left:auto;margin-right:auto}.wp-block-image :where(figcaption){margin-bottom:1em;margin-top:.5em}.wp-block-image.is-style-circle-mask img{border-radius:9999px}@supports (mask-image:none) or (-webkit-mask-image:none){.wp-block-image.is-style-circle-mask img{border-radius:0;mask-image:url('data:image/svg+xml;utf8,<svg viewBox="0 0 100 100" xmlns="http://www.w3.org/2000/svg"><circle cx="50" cy="50" r="50"/></svg>');mask-mode:alpha;mask-position:center;mask-repeat:no-repeat;mask-size:contain}}:root :where(.wp-block-image.is-style-rounded img,.wp-block-image .is-style-rounded img){border-radius:9999px}.wp-block-image figure{margin:0}.wp-lightbox-container{display:flex;flex-direction:column;position:relative}.wp-lightbox-container img{cursor:zoom-in}.wp-lightbox-container img:hover+button{opacity:1}.wp-lightbox-container button{align-items:center;backdrop-filter:blur(16px) saturate(180%);background-color:rgba(90,90,90,.25);border:none;border-radius:4px;cursor:zoom-in;display:flex;height:20px;justify-content:center;opacity:0;padding:0;position:absolute;right:16px;text-align:center;top:16px;width:20px;z-index:100}@media not (prefers-reduced-motion){.wp-lightbox-container button{transition:opacity .2s ease}}.wp-lightbox-container button:focus-visible{outline:3px auto rgba(90,90,90,.25);outline:3px auto -webkit-focus-ring-color;outline-offset:3px}.wp-lightbox-container button:hover{cursor:pointer;opacity:1}.wp-lightbox-container button:focus{opacity:1}.wp-lightbox-container button:focus,.wp-lightbox-container button:hover,.wp-lightbox-container button:not(:hover):not(:active):not(.has-background){background-color:rgba(90,90,90,.25);border:none}.wp-lightbox-overlay{box-sizing:border-box;
219cursor:zoom-out;height:100vh;left:0;overflow:hidden;position:fixed;top:0;visibility:hidden;width:100%;z-index:100000}.wp-lightbox-overlay .wp-lightbox-close-button{align-items:center;cursor:pointer;display:flex;font-family:inherit;gap:8px;justify-content:center;line-height:1;min-height:40px;min-width:40px;padding:0 4px;position:absolute;right:calc(env(safe-area-inset-right) + 16px);top:calc(env(safe-area-inset-top) + 16px);z-index:5000000}.wp-lightbox-overlay .wp-lightbox-close-button:focus,.wp-lightbox-overlay .wp-lightbox-close-button:hover,.wp-lightbox-overlay .wp-lightbox-close-button:not(:hover):not(:active):not(.has-background){background:none;border:none}.wp-lightbox-overlay .wp-lightbox-close-button:has(.wp-lightbox-close-text:not([hidden])) .wp-lightbox-close-icon svg{height:1em;width:1em}.wp-lightbox-overlay .wp-lightbox-close-icon svg{display:block}.wp-lightbox-overlay .wp-lightbox-navigation-button-next,.wp-lightbox-overlay .wp-lightbox-navigation-button-prev{align-items:center;bottom:16px;cursor:pointer;display:flex;font-family:inherit;gap:4px;justify-content:center;line-height:1;min-height:40px;min-width:40px;padding:0 8px;position:absolute;z-index:2000002}.wp-lightbox-overlay .wp-lightbox-navigation-button-next[hidden],.wp-lightbox-overlay .wp-lightbox-navigation-button-prev[hidden]{display:none}@media (min-width:960px){.wp-lightbox-overlay .wp-lightbox-navigation-button-next,.wp-lightbox-overlay .wp-lightbox-navigation-button-prev{bottom:50%;transform:translateY(-50%)}}.wp-lightbox-overlay .wp-lightbox-navigation-button-next:focus,.wp-lightbox-overlay .wp-lightbox-navigation-button-next:hover,.wp-lightbox-overlay .wp-lightbox-navigation-button-next:not(:hover):not(:active):not(.has-background),.wp-lightbox-overlay .wp-lightbox-navigation-button-prev:focus,.wp-lightbox-overlay .wp-lightbox-navigation-button-prev:hover,.wp-lightbox-overlay .wp-lightbox-navigation-button-prev:not(:hover):not(:active):not(.has-background){background:none;border:none;padding:0 8px}.wp-lightbox-overlay .wp-lightbox-navigation-button-next:has(.wp-lightbox-navigation-text:not([hidden])) .wp-lightbox-navigation-icon svg,.wp-lightbox-overlay .wp-lightbox-navigation-button-prev:has(.wp-lightbox-navigation-text:not([hidden])) .wp-lightbox-navigation-icon svg{display:block;height:1.5em;width:1.5em}.wp-lightbox-overlay .wp-lightbox-navigation-button-prev{left:calc(env(safe-area-inset-left) + 16px)}.wp-lightbox-overlay .wp-lightbox-navigation-button-next{right:calc(env(safe-area-inset-right) + 16px)}.wp-lightbox-overlay .wp-lightbox-navigation-icon svg{vertical-align:middle}.wp-lightbox-overlay .lightbox-image-container{height:var(--wp--lightbox-container-height);left:50%;overflow:hidden;position:absolute;top:50%;transform:translate(-50%,-50%);transform-origin:top left;width:var(--wp--lightbox-container-width);z-index:2000001}.wp-lightbox-overlay .wp-block-image{align-items:center;box-sizing:border-box;display:flex;height:100%;justify-content:center;margin:0;position:relative;transform-origin:0 0;width:100%;z-index:3000000}.wp-lightbox-overlay .wp-block-image img{height:var(--wp--lightbox-image-height);min-height:var(--wp--lightbox-image-height);min-width:var(--wp--lightbox-image-width);width:var(--wp--lightbox-image-width)}.wp-lightbox-overlay .wp-block-image figcaption{display:none}.wp-lightbox-overlay button{background:none;border:none}.wp-lightbox-overlay .scrim{background-color:#fff;height:100%;opacity:.9;position:absolute;width:100%;z-index:2000000}.wp-lightbox-overlay.active{visibility:visible}@media not (prefers-reduced-motion){.wp-lightbox-overlay.active{animation:turn-on-visibility .25s both}.wp-lightbox-overlay.active img{animation:turn-on-visibility .35s both}.wp-lightbox-overlay.show-closing-animation:not(.active){animation:turn-off-visibility .35s both}.wp-lightbox-overlay.show-closing-animation:not(.active) img{animation:turn-off-visibility .25s both}.wp-lightbox-overlay.zoom.active{animation:none;opacity:1;visibility:visible}.wp-lightbox-overlay.zoom.active .lightbox-image-container{animation:lightbox-zoom-in .4s}.wp-lightbox-overlay.zoom.active .lightbox-image-container img{animation:none}.wp-lightbox-overlay.zoom.active .scrim{animation:turn-on-visibility .4s forwards}.wp-lightbox-overlay.zoom.show-closing-animation:not(.active){animation:none}.wp-lightbox-overlay.zoom.show-closing-animation:not(.active) .lightbox-image-container{animation:lightbox-zoom-out .4s}.wp-lightbox-overlay.zoom.show-closing-animation:not(.active) .lightbox-image-container img{animation:none}.wp-lightbox-overlay.zoom.show-closing-animation:not(.active) .scrim{animation:turn-off-visibility .4s forwards}}
219@keyframes show-content-image{0%{visibility:hidden}99%{visibility:hidden}to{visibility:visible}}@keyframes turn-on-visibility{0%{opacity:0}to{opacity:1}}@keyframes turn-off-visibility{0%{opacity:1;visibility:visible}99%{opacity:0;visibility:visible}to{opacity:0;visibility:hidden}}@keyframes lightbox-zoom-in{0%{transform:translate(calc((-100vw + var(--wp--lightbox-scrollbar-width))/2 + var(--wp--lightbox-initial-left-position)),calc(-50vh + var(--wp--lightbox-initial-top-position))) scale(var(--wp--lightbox-scale))}to{transform:translate(-50%,-50%) scale(1)}}@keyframes lightbox-zoom-out{0%{transform:translate(-50%,-50%) scale(1);visibility:visible}99%{visibility:visible}to{transform:translate(calc((-100vw + var(--wp--lightbox-scrollbar-width))/2 + var(--wp--lightbox-initial-left-position)),calc(-50vh + var(--wp--lightbox-initial-top-position))) scale(var(--wp--lightbox-scale));visibility:hidden}} 220/*# sourceURL=/wp-content/plugins/gutenberg-core/v24.1.0/build/styles/block-library/image/style.min.css */ 221</style> 222<style id="wp-block-image-theme-inline-css"> 223:root :where(.wp-block-image figcaption){color:#555;font-size:13px;text-align:center}.is-dark-theme :root :where(.wp-block-image figcaption){color:hsla(0,0%,100%,.65)}.wp-block-image{margin:0 0 1em} 224/*# sourceURL=/wp-content/plugins/gutenberg-core/v24.1.0/build/styles/block-library/image/theme.min.css */ 225</style> 226<style id="wp-block-latest-comments-inline-css"> 227:where(.wp-block-latest-comments){padding-left:0}ol.wp-block-latest-comments{box-sizing:border-box;margin-left:0}:where(.wp-block-latest-comments:not([style*=line-height] .wp-block-latest-comments__comment)){line-height:1.1}:where(.wp-block-latest-comments:not([style*=line-height] .wp-block-latest-comments__comment-excerpt p)){line-height:1.8}.has-dates :where(.wp-block-latest-comments:not([style*=line-height])),.has-excerpts :where(.wp-block-latest-comments:not([style*=line-height])){line-height:1.5}.wp-block-latest-comments__comment{list-style:none;margin-bottom:1em}.has-avatars .wp-block-latest-comments__comment{list-style:none;min-height:2.25em}.has-avatars .wp-block-latest-comments__comment .wp-block-latest-comments__comment-excerpt,.has-avatars .wp-block-latest-comments__comment .wp-block-latest-comments__comment-meta{margin-left:3.25em}.wp-block-latest-comments__comment-excerpt p{font-size:.875em;margin:.36em 0 1.4em}.wp-block-latest-comments__comment-date{display:block;font-size:.75em}.wp-block-latest-comments .avatar,.wp-block-latest-comments__comment-avatar{border-radius:1.5em;display:block;float:left;height:2.5em;margin-right:.75em;width:2.5em}.wp-block-latest-comments[class*=-font-size] a,.wp-block-latest-comments[style*=font-size] a{font-size:inherit} 228/*# sourceURL=/wp-content/plugins/gutenberg-core/v24.1.0/build/styles/block-library/latest-comments/style.min.css */ 229</style> 230<style id="wp-block-list-inline-css"> 231ol,ul{box-sizing:border-box}:root :where(.wp-block-list.has-background){padding:var(--wp--style--block-background-padding,1.25em 2.375em)} 232/*# sourceURL=/wp-content/plugins/gutenberg-core/v24.1.0/build/styles/block-library/list/style.min.css */ 233</style> 234<style id="wp-block-paragraph-inline-css"> 235.is-small-text{font-size:.875em}.is-regular-text{font-size:1em}.is-large-text{font-size:2.25em}.is-larger-text{font-size:3em}.has-drop-cap:not(:focus):first-letter{float:left;font-size:8.4em;font-style:normal;font-weight:100;line-height:.68;margin:.05em .1em 0 0;text-transform:uppercase}body.rtl .has-drop-cap:not(:focus):first-letter{float:none;margin-left:.1em}p.has-drop-cap.has-background{overflow:hidden}:root :where(p.has-background){padding:var(--wp--style--block-background-padding,1.25em 2.375em)}:where(p.has-text-color:not(.has-link-color)) a{color:inherit}p.has-text-align-left[style*="writing-mode:vertical-lr"],p.has-text-align-right[style*="writing-mode:vertical-rl"]{rotate:180deg} 236/*# sourceURL=/wp-content/plugins/gutenberg-core/v24.1.0/build/styles/block-library/paragraph/style.min.css */ 237</style> 238<style id="wp-block-library-inline-css-extra"> 239.has-text-align-justify { 240 text-align:justify; 241} 242.has-text-align-justify{text-align:justify;} 243/*# sourceURL=wp-block-library-inline-css */ 244</style> 245 246<style id="classic-theme-styles-inline-css"> 247.wp-block-button__link{background-color:#32373c;border-radius:9999px;box-shadow:none;color:#fff;font-size:1.125em;
247padding:calc(.667em + 2px) calc(1.333em + 2px);text-decoration:none}.wp-block-file__button{background:#32373c;color:#fff}.wp-block-accordion-heading{margin:0}.wp-block-accordion-heading__toggle{background-color:inherit!important;color:inherit!important}.wp-block-accordion-heading__toggle:not(:focus-visible){outline:none}.wp-block-accordion-heading__toggle:focus,.wp-block-accordion-heading__toggle:hover{background-color:inherit!important;border:none;box-shadow:none;color:inherit;padding:var(--wp--preset--spacing--20,1em) 0;text-decoration:none}.wp-block-accordion-heading__toggle:focus-visible{outline:auto;outline-offset:0}.wp-block-tab:not(.has-text-color){color:inherit!important}.wp-block-tab:not(.has-background){background-color:inherit!important}.wp-block-tab:focus,.wp-block-tab:hover{text-decoration:none}.wp-block-tab:focus-visible{outline:auto;outline-offset:0} 248/*# sourceURL=/wp-content/plugins/gutenberg-core/v24.1.0/build/styles/block-library/classic.min.css */ 249</style> 250 251<style id="coblocks-inline-format-inline-css"> 252.uppercase{text-transform:uppercase} 253/*# sourceURL=coblocks-inline-format-inline-css */ 254</style> 255<link crossorigin='anonymous' rel='stylesheet' id='all-css-12-1' href='/_static/??-eJx9jEEOAiEQBD/kQECjeDC+ZWEnijIwYWA3/l72op689KFTVXplCCU3zE1z6reYRYfiUwlP0VYZpwxIJE4IFRd10HOU9iFA2iuhCiI7/ROiDt9WxfETT20jCOc4YUIa2D9t5eGA91xRBMZS7ATtPkTZvCtdzNEZt7f2fHq8Afl7R7w=&cssminify=yes' type='text/css' media='all' /> 256<style id="global-styles-inline-css"> 257:root{--wp--preset--aspect-ratio--square: 1;--wp--preset--aspect-ratio--4-3: 4/3;--wp--preset--aspect-ratio--3-4: 3/4;--wp--preset--aspect-ratio--3-2: 3/2;--wp--preset--aspect-ratio--2-3: 2/3;--wp--preset--aspect-ratio--16-9: 16/9;--wp--preset--aspect-ratio--9-16: 9/16;--wp--preset--color--black: #000;--wp--preset--color--cyan-bluish-gray: #abb8c3;--wp--preset--color--white: #fff;--wp--preset--color--pale-pink: #f78da7;--wp--preset--color--vivid-red: #cf2e2e;--wp--preset--color--luminous-vivid-orange: #ff6900;--wp--preset--color--luminous-vivid-amber: #fcb900;--wp--preset--color--light-green-cyan: #7bdcb5;--wp--preset--color--vivid-green-cyan: #00d084;--wp--preset--color--pale-cyan-blue: #8ed1fc;--wp--preset--color--vivid-cyan-blue: #0693e3;--wp--preset--color--vivid-purple: #9b51e0;--wp--preset--color--blue: #0066cc;--wp--preset--color--medium-gray: #666;--wp--preset--color--light-gray: #f1f1f1;--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple: linear-gradient(135deg,rgb(6,147,227) 0%,rgb(155,81,224) 100%);--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan: linear-gradient(135deg,rgb(122,220,180) 0%,rgb(0,208,130) 100%);--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange: linear-gradient(135deg,rgb(252,185,0) 0%,rgb(255,105,0) 100%);--wp--preset--gradient--luminous-vivid-orange-to-vivid-red: linear-gradient(135deg,rgb(255,105,0) 0%,rgb(207,46,46) 100%);--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray: linear-gradient(135deg,rgb(238,238,238) 0%,rgb(169,184,195) 100%);
257--wp--preset--gradient--cool-to-warm-spectrum: linear-gradient(135deg,rgb(74,234,220) 0%,rgb(151,120,209) 20%,rgb(207,42,186) 40%,rgb(238,44,130) 60%,rgb(251,105,98) 80%,rgb(254,248,76) 100%);--wp--preset--gradient--blush-light-purple: linear-gradient(135deg,rgb(255,206,236) 0%,rgb(152,150,240) 100%);--wp--preset--gradient--blush-bordeaux: linear-gradient(135deg,rgb(254,205,165) 0%,rgb(254,45,45) 50%,rgb(107,0,62) 100%);--wp--preset--gradient--luminous-dusk: linear-gradient(135deg,rgb(255,203,112) 0%,rgb(199,81,192) 50%,rgb(65,88,208) 100%);--wp--preset--gradient--pale-ocean: linear-gradient(135deg,rgb(255,245,203) 0%,rgb(182,227,212) 50%,rgb(51,167,181) 100%);--wp--preset--gradient--electric-grass: linear-gradient(135deg,rgb(202,248,128) 0%,rgb(113,206,126) 100%);--wp--preset--gradient--midnight: linear-gradient(135deg,rgb(2,3,129) 0%,rgb(40,116,252) 100%);--wp--preset--font-size--small: 13px;--wp--preset--font-size--medium: 20px;--wp--preset--font-size--large: 36px;--wp--preset--font-size--x-large: 42px;--wp--preset--font-family--albert-sans: 'Albert Sans', sans-serif;--wp--preset--font-family--alegreya: Alegreya, serif;--wp--preset--font-family--arvo: Arvo, serif;--wp--preset--font-family--bodoni-moda: 'Bodoni Moda', serif;--wp--preset--font-family--bricolage-grotesque: 'Bricolage Grotesque', sans-serif;--wp--preset--font-family--cabin: Cabin, sans-serif;--wp--preset--font-family--chivo: Chivo, sans-serif;--wp--preset--font-family--commissioner: Commissioner, sans-serif;--wp--preset--font-family--cormorant: Cormorant, serif;--wp--preset--font-family--courier-prime: 'Courier Prime', monospace;--wp--preset--font-family--crimson-pro: 'Crimson Pro', serif;--wp--preset--font-family--dm-mono: 'DM Mono', monospace;--wp--preset--font-family--dm-sans: 'DM Sans', sans-serif;--wp--preset--font-family--dm-serif-display: 'DM Serif Display', serif;--wp--preset--font-family--domine: Domine, serif;--wp--preset--font-family--eb-garamond: 'EB Garamond', serif;--wp--preset--font-family--epilogue: Epilogue, sans-serif;--wp--preset--font-family--fahkwang: Fahkwang, sans-serif;--wp--preset--font-family--figtree: Figtree, sans-serif;--wp--preset--font-family--fira-sans: 'Fira Sans', sans-serif;--wp--preset--font-family--fjalla-one: 'Fjalla One', sans-serif;--wp--preset--font-family--fraunces: Fraunces, serif;--wp--preset--font-family--gabarito: Gabarito, system-ui;--wp--preset--font-family--ibm-plex-mono: 'IBM Plex Mono', monospace;--wp--preset--font-family--ibm-plex-sans: 'IBM Plex Sans', sans-serif;--wp--preset--font-family--ibarra-real-nova: 'Ibarra Real Nova', serif;--wp--preset--font-family--instrument-serif: 'Instrument Serif', serif;--wp--preset--font-family--inter: Inter, sans-serif;--wp--preset--font-family--josefin-sans: 'Josefin Sans', sans-serif;--wp--preset--font-family--jost: Jost, sans-serif;--wp--preset--font-family--libre-baskerville: 'Libre Baskerville', serif;--wp--preset--font-family--libre-franklin: 'Libre Franklin', sans-serif;--wp--preset--font-family--literata: Literata, serif;--wp--preset--font-family--lora: Lora, serif;--wp--preset--font-family--merriweather: Merriweather, serif;--wp--preset--font-family--montserrat: Montserrat, sans-serif;--wp--preset--font-family--newsreader: Newsreader, serif;--wp--preset--font-family--noto-sans-mono: 'Noto Sans Mono', sans-serif;--wp--preset--font-family--nunito: Nunito, sans-serif;--wp--preset--font-family--open-sans: 'Open Sans', sans-serif;--wp--preset--font-family--overpass: Overpass, sans-serif;--wp--preset--font-family--pt-serif: 'PT Serif', serif;--wp--preset--font-family--petrona: Petrona, serif;--wp--preset--font-family--piazzolla: Piazzolla, serif;--wp--preset--font-family--playfair-display: 'Playfair Display', serif;--wp--preset--font-family--plus-jakarta-sans: 'Plus Jakarta Sans', sans-serif;--wp--preset--font-family--poppins: Poppins, sans-serif;--wp--preset--font-family--raleway: Raleway, sans-serif;--wp--preset--font-family--roboto: Roboto, sans-serif;--wp--preset--font-family--roboto-slab: 'Roboto Slab', serif;--wp--preset--font-family--rubik: Rubik, sans-serif;--wp--preset--font-family--rufina: Rufina, serif;--wp--preset--font-family--sora: Sora, sans-serif;--wp--preset--font-family--source-sans-3: 'Source Sans 3', sans-serif;--wp--preset--font-family--source-serif-4: 'Source Serif 4', serif;--wp--preset--font-family--space-mono: 'Space Mono', monospace;--wp--preset--font-family--syne: Syne, sans-serif;--wp--preset--font-family--texturina: Texturina, serif;--wp--preset--font-family--urbanist: Urbanist, sans-serif;--wp--preset--font-family--work-sans: 'Work Sans', sans-serif;--wp--preset--text-shadow--light: 0.05em 0.05em 0.1em rgba(0, 0, 0, 0.3);--wp--preset--text-shadow--strong: 0.1em 0.1em 0.25em rgba(0, 0, 0, 0.5);--wp--preset--spacing--20: 0.44rem;--wp--preset--spacing--30: 0.67rem;--wp--preset--spacing--40: 1rem;--wp--preset--spacing--50: 1.5rem;--wp--preset--spacing--60: 2.25rem;--wp--preset--spacing--70: 3.38rem;--wp--preset--spacing--80: 5.06rem;--wp--preset--shadow--natural: 6px 6px 9px rgba(0, 0, 0, 0.2);--wp--preset--shadow--deep: 12px 12px 50px rgba(0, 0, 0, 0.4);--wp--preset--shadow--sharp: 6px 6px 0px rgba(0, 0, 0, 0.2);--wp--preset--shadow--outlined: 6px 6px 0px -3px rgb(255, 255, 255), 6px 6px rgb(0, 0, 0);--wp--preset--shadow--crisp: 6px 6px 0px rgb(0, 0, 0);}.wp-block-button{--wp--preset--dimension--25: 25%;--wp--preset--dimension--50: 50%;--wp--preset--dimension--75: 75%;--wp--preset--dimension--100: 100%;}:where(body) { margin: 0; }:where(.is-layout-flex){gap: 0.5em;}:where(.is-layout-grid){gap: 0.5em;}body .is-layout-flex{display: flex;}.is-layout-flex{flex-wrap: wrap;align-items: center;}.is-layout-flex > :is(*, div){margin: 0;}body .is-layout-grid{display: grid;}.is-layout-grid > :is(*, div){margin: 0;}body{padding-top: 0px;padding-right: 0px;padding-bottom: 0px;padding-left: 0px;}:root :where(.wp-element-button, .wp-block-button__link){background-color: #32373c;border-width: 0;color: #fff;font-family: inherit;font-size: inherit;font-style: inherit;font-weight: inherit;letter-spacing: inherit;line-height: inherit;padding-top: calc(0.667em + 2px);padding-right: calc(1.333em + 2px);padding-bottom: calc(0.667em + 2px);padding-left: calc(1.333em + 2px);text-decoration: none;text-transform: inherit;}.has-black-color{color: var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-color{color: var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-color{color: var(--wp--preset--color--white) !important;}.has-pale-pink-color{color: var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-color{color: var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-color{color: var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-color{color: var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-color{color: var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-color{color: var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-color{color: var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-color{color: var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-color{color: var(--wp--preset--color--vivid-purple) !important;}.has-blue-color{color: var(--wp--preset--color--blue) !important;}.has-medium-gray-color{color: var(--wp--preset--color--medium-gray) !important;}.has-light-gray-color{color: var(--wp--preset--color--light-gray) !important;}.has-black-background-color{background-color: var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-background-color{background-color: var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-background-color{background-color: var(--wp--preset--color--white) !important;}.has-pale-pink-background-color{background-color: var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-background-color{background-color: var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-background-color{background-color: var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-background-color{background-color: var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-background-color{background-color: var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-background-color{background-color: var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-background-color{background-color: var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-background-color{background-color: var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-background-color{background-color: var(--wp--preset--color--vivid-purple) !important;}.has-blue-background-color{background-color: var(--wp--preset--color--blue) !important;}.has-medium-gray-background-color{background-color: var(--wp--preset--color--medium-gray) !important;}.has-light-gray-background-color{background-color: var(--wp--preset--color--light-gray) !important;}.has-black-border-color{border-color: var(--wp--preset--color--black) !important;}.has-cyan-bluish-gray-border-color{border-color: var(--wp--preset--color--cyan-bluish-gray) !important;}.has-white-border-color{border-color: var(--wp--preset--color--white) !important;}.has-pale-pink-border-color{border-color: var(--wp--preset--color--pale-pink) !important;}.has-vivid-red-border-color{border-color: var(--wp--preset--color--vivid-red) !important;}.has-luminous-vivid-orange-border-color{border-color: var(--wp--preset--color--luminous-vivid-orange) !important;}.has-luminous-vivid-amber-border-color{border-color: var(--wp--preset--color--luminous-vivid-amber) !important;}.has-light-green-cyan-border-color{border-color: var(--wp--preset--color--light-green-cyan) !important;}.has-vivid-green-cyan-border-color{border-color: var(--wp--preset--color--vivid-green-cyan) !important;}.has-pale-cyan-blue-border-color{border-color: var(--wp--preset--color--pale-cyan-blue) !important;}.has-vivid-cyan-blue-border-color{border-color: var(--wp--preset--color--vivid-cyan-blue) !important;}.has-vivid-purple-border-color{border-color: var(--wp--preset--color--vivid-purple) !important;}.has-blue-border-color{border-color: var(--wp--preset--color--blue) !important;}.has-medium-gray-border-color{border-color: var(--wp--preset--color--medium-gray) !important;}.has-light-gray-border-color{border-color: var(--wp--preset--color--light-gray) !important;}.has-vivid-cyan-blue-to-vivid-purple-gradient-background{background: var(--wp--preset--gradient--vivid-cyan-blue-to-vivid-purple) !important;}.has-light-green-cyan-to-vivid-green-cyan-gradient-background{background: var(--wp--preset--gradient--light-green-cyan-to-vivid-green-cyan) !important;}.has-luminous-vivid-amber-to-luminous-vivid-orange-gradient-background{background: var(--wp--preset--gradient--luminous-vivid-amber-to-luminous-vivid-orange) !important;}.has-luminous-vivid-orange-to-vivid-red-gradient-background{background: var(--wp--preset--gradient--luminous-vivid-orange-to-vivid-red) !important;}
257.has-very-light-gray-to-cyan-bluish-gray-gradient-background{background: var(--wp--preset--gradient--very-light-gray-to-cyan-bluish-gray) !important;}.has-cool-to-warm-spectrum-gradient-background{background: var(--wp--preset--gradient--cool-to-warm-spectrum) !important;}.has-blush-light-purple-gradient-background{background: var(--wp--preset--gradient--blush-light-purple) !important;}.has-blush-bordeaux-gradient-background{background: var(--wp--preset--gradient--blush-bordeaux) !important;}.has-luminous-dusk-gradient-background{background: var(--wp--preset--gradient--luminous-dusk) !important;}.has-pale-ocean-gradient-background{background: var(--wp--preset--gradient--pale-ocean) !important;}.has-electric-grass-gradient-background{background: var(--wp--preset--gradient--electric-grass) !important;}.has-midnight-gradient-background{background: var(--wp--preset--gradient--midnight) !important;}.has-small-font-size{font-size: var(--wp--preset--font-size--small) !important;}.has-medium-font-size{font-size: var(--wp--preset--font-size--medium) !important;}.has-large-font-size{font-size: var(--wp--preset--font-size--large) !important;}.has-x-large-font-size{font-size: var(--wp--preset--font-size--x-large) !important;}.has-albert-sans-font-family{font-family: var(--wp--preset--font-family--albert-sans) !important;}.has-alegreya-font-family{font-family: var(--wp--preset--font-family--alegreya) !important;}.has-arvo-font-family{font-family: var(--wp--preset--font-family--arvo) !important;}.has-bodoni-moda-font-family{font-family: var(--wp--preset--font-family--bodoni-moda) !important;}.has-bricolage-grotesque-font-family{font-family: var(--wp--preset--font-family--bricolage-grotesque) !important;}.has-cabin-font-family{font-family: var(--wp--preset--font-family--cabin) !important;}.has-chivo-font-family{font-family: var(--wp--preset--font-family--chivo) !important;}.has-commissioner-font-family{font-family: var(--wp--preset--font-family--commissioner) !important;}.has-cormorant-font-family{font-family: var(--wp--preset--font-family--cormorant) !important;}.has-courier-prime-font-family{font-family: var(--wp--preset--font-family--courier-prime) !important;}.has-crimson-pro-font-family{font-family: var(--wp--preset--font-family--crimson-pro) !important;}.has-dm-mono-font-family{font-family: var(--wp--preset--font-family--dm-mono) !important;}.has-dm-sans-font-family{font-family: var(--wp--preset--font-family--dm-sans) !important;}.has-dm-serif-display-font-family{font-family: var(--wp--preset--font-family--dm-serif-display) !important;}.has-domine-font-family{font-family: var(--wp--preset--font-family--domine) !important;}.has-eb-garamond-font-family{font-family: var(--wp--preset--font-family--eb-garamond) !important;}.has-epilogue-font-family{font-family: var(--wp--preset--font-family--epilogue) !important;}.has-fahkwang-font-family{font-family: var(--wp--preset--font-family--fahkwang) !important;}.has-figtree-font-family{font-family: var(--wp--preset--font-family--figtree) !important;}.has-fira-sans-font-family{font-family: var(--wp--preset--font-family--fira-sans) !important;}.has-fjalla-one-font-family{font-family: var(--wp--preset--font-family--fjalla-one) !important;}.has-fraunces-font-family{font-family: var(--wp--preset--font-family--fraunces) !important;}.has-gabarito-font-family{font-family: var(--wp--preset--font-family--gabarito) !important;}.has-ibm-plex-mono-font-family{font-family: var(--wp--preset--font-family--ibm-plex-mono) !important;}.has-ibm-plex-sans-font-family{font-family: var(--wp--preset--font-family--ibm-plex-sans) !important;}.has-ibarra-real-nova-font-family{font-family: var(--wp--preset--font-family--ibarra-real-nova) !important;}.has-instrument-serif-font-family{font-family: var(--wp--preset--font-family--instrument-serif) !important;}.has-inter-font-family{font-family: var(--wp--preset--font-family--inter) !important;}.has-josefin-sans-font-family{font-family: var(--wp--preset--font-family--josefin-sans) !important;}.has-jost-font-family{font-family: var(--wp--preset--font-family--jost) !important;}.has-libre-baskerville-font-family{font-family: var(--wp--preset--font-family--libre-baskerville) !important;}.has-libre-franklin-font-family{font-family: var(--wp--preset--font-family--libre-franklin) !important;}.has-literata-font-family{font-family: var(--wp--preset--font-family--literata) !important;}.has-lora-font-family{font-family: var(--wp--preset--font-family--lora) !important;}.has-merriweather-font-family{font-family: var(--wp--preset--font-family--merriweather) !important;}.has-montserrat-font-family{font-family: var(--wp--preset--font-family--montserrat) !important;}.has-newsreader-font-family{font-family: var(--wp--preset--font-family--newsreader) !important;}.has-noto-sans-mono-font-family{font-family: var(--wp--preset--font-family--noto-sans-mono) !important;}.has-nunito-font-family{font-family: var(--wp--preset--font-family--nunito) !important;}.has-open-sans-font-family{font-family: var(--wp--preset--font-family--open-sans) !important;}.has-overpass-font-family{font-family: var(--wp--preset--font-family--overpass) !important;}.has-pt-serif-font-family{font-family: var(--wp--preset--font-family--pt-serif) !important;}.has-petrona-font-family{font-family: var(--wp--preset--font-family--petrona) !important;}.has-piazzolla-font-family{font-family: var(--wp--preset--font-family--piazzolla) !important;}.has-playfair-display-font-family{font-family: var(--wp--preset--font-family--playfair-display) !important;}.has-plus-jakarta-sans-font-family{font-family: var(--wp--preset--font-family--plus-jakarta-sans) !important;}.has-poppins-font-family{font-family: var(--wp--preset--font-family--poppins) !important;}.has-raleway-font-family{font-family: var(--wp--preset--font-family--raleway) !important;}.has-roboto-font-family{font-family: var(--wp--preset--font-family--roboto) !important;}.has-roboto-slab-font-family{font-family: var(--wp--preset--font-family--roboto-slab) !important;}.has-rubik-font-family{font-family: var(--wp--preset--font-family--rubik) !important;}.has-rufina-font-family{font-family: var(--wp--preset--font-family--rufina) !important;}.has-sora-font-family{font-family: var(--wp--preset--font-family--sora) !important;}.has-source-sans-3-font-family{font-family: var(--wp--preset--font-family--source-sans-3) !important;}.has-source-serif-4-font-family{font-family: var(--wp--preset--font-family--source-serif-4) !important;}.has-space-mono-font-family{font-family: var(--wp--preset--font-family--space-mono) !important;}.has-syne-font-family{font-family: var(--wp--preset--font-family--syne) !important;}.has-texturina-font-family{font-family: var(--wp--preset--font-family--texturina) !important;}.has-urbanist-font-family{font-family: var(--wp--preset--font-family--urbanist) !important;}.has-work-sans-font-family{font-family: var(--wp--preset--font-family--work-sans) !important;}.has-light-text-shadow{text-shadow: var(--wp--preset--text-shadow--light) !important;}.has-strong-text-shadow{text-shadow: var(--wp--preset--text-shadow--strong) !important;} 258/*# sourceURL=global-styles-inline-css */ 259</style> 260 261<link crossorigin='anonymous' rel='stylesheet' id='all-css-14-1' href='/wp-content/mu-plugins/jetpack-mu-wpcom-plugin/moon/jetpack_vendor/automattic/jetpack-mu-wpcom/src/build/verbum-comments/verbum-comments.css?m=1790593351i&cssminify=yes' type='text/css' media='all' /> 262<link rel='stylesheet' id='verbum-gutenberg-css-css' href='https://widgets.wp.com/verbum-block-editor/block-editor.css?ver=1771405207' media='all' /> 263<link crossorigin='anonymous' rel='stylesheet' id='all-css-16-1' href='/_static/??-eJyFjsEOwjAMQ3+IECaxiR0Q37JVoRTaplpSVfv7hRsTEtxsy88ytgKOs1JW1AclEix1Rm0WrJbiHNm95OhEDvivK7pGglYcpy8gVSix+pAFF7JRb9KjtT7sL8gTg12ZNHDeGbjHKSxv9Jau3dCdzv3YX8bnBqh7UWU=&cssminify=yes' type='text/css' media='all' /> 264<style id="jetpack-global-styles-frontend-style-inline-css"> 265:root { --font-headings: unset; --font-base: unset; --font-headings-default: -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Oxygen-Sans,Ubuntu,Cantarell,"Helvetica Neue",sans-serif; --font-base-default: -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Oxygen-Sans,Ubuntu,Cantarell,"Helvetica Neue",sans-serif;} 266/*# sourceURL=jetpack-global-styles-frontend-style-inline-css */ 267</style> 268<link crossorigin='anonymous' rel='stylesheet' id='all-css-18-1' href='/_static/??-eJyNjcEKAjEMRH/ImhVlqwfxU6TbhrZrmhTTIv69u+JFvHgZ5sHwBh7VeOGG3KB0U6nHzAoztur87cNQRNYInVBBk7tjcCE83zVz3HrVDfxvumb2MPVMAVR8dmRIougX/DhbwrK8pwNEksnROriU884e9+PJDnaYXxwFS20=&cssminify=yes' type='text/css' media='all' />
269<script id="wpcom-actionbar-placeholder-js-extra"> 270var actionbardata = {"siteID":"22028311","postID":"2291","siteURL":"https://tipswatch.com","xhrURL":"https://tipswatch.com/wp-admin/admin-ajax.php","nonce":"527e7f319a","isLoggedIn":"","statusMessage":"","subsEmailDefault":"instantly","proxyScriptUrl":"https://s0.wp.com/wp-content/js/wpcom-proxy-request.js?m=1513050504i&ver=20211021","shortlink":"https://wp.me/P1uqzl-AX","i18n":{"followedText":"New posts from this site will now appear in your \u003Ca href=\"https://wordpress.com/reader\"\u003EReader\u003C/a\u003E","foldBar":"Collapse this bar","unfoldBar":"Expand this bar","shortLinkCopied":"Copied to clipboard."}}; 271//# sourceURL=wpcom-actionbar-placeholder-js-extra 272</script>
vendor: 1 bytes, line 272
272
273<script id="jetpack-mu-wpcom-settings-js-before"> 274var JETPACK_MU_WPCOM_SETTINGS = {"assetsUrl":"https://s1.wp.com/wp-content/mu-plugins/jetpack-mu-wpcom-plugin/moon/jetpack_vendor/automattic/jetpack-mu-wpcom/src/build/"}; 275//# sourceURL=jetpack-mu-wpcom-settings-js-before 276</script>
vendor: 1 bytes, line 276
276
277<script crossorigin='anonymous' type='text/javascript' src='/_static/??/wp-content/js/rlt-proxy.js,/wp-content/blog-plugins/wordads-classes/js/cmp/v2/cmp-non-gdpr.js?m=1780567333j'></script>
vendor: 1 bytes, line 277
277
278<script id="rlt-proxy-js-after"> 279 rltInitialize( {"token":null,"iframeOrigins":["https:\/\/widgets.wp.com"]} ); 280//# sourceURL=rlt-proxy-js-after 281</script>
281 282<link rel="EditURI" type="application/rsd+xml" title="RSD" href="https://tipswatch.wordpress.com/xmlrpc.php?rsd" /> 283<meta name="generator" content="WordPress.com" /> 284<link rel="canonical" href="https://tipswatch.com/tracking-inflation-and-i-bonds/" /> 285<link rel='shortlink' href='https://wp.me/P1uqzl-AX' /> 286<link rel="alternate" type="application/json+oembed" href="https://public-api.wordpress.com/oembed/?format=json&url=https%3A%2F%2Ftipswatch.com%2Ftracking-inflation-and-i-bonds%2F&for=wpcom-auto-discovery" /><link rel="alternate" type="application/xml+oembed" href="https://public-api.wordpress.com/oembed/?format=xml&url=https%3A%2F%2Ftipswatch.com%2Ftracking-inflation-and-i-bonds%2F&for=wpcom-auto-discovery" /> 287<!-- Jetpack Open Graph Tags --> 288<meta property="og:type" content="article" /> 289<meta property="og:title" content="Inflation and I Bonds" /> 290<meta property="og:url" content="https://tipswatch.com/tracking-inflation-and-i-bonds/" /> 291<meta property="og:description" content="Tipswatch.com, updated Sept 11, 2026 Follow Tipswatch on X for updates on daily Treasury auctions and real yield trends. This chart shows monthly and six-month non-seasonally adjusted inflation numâ¦" /> 292<meta property="article:published_time" content="2014-04-24T15:37:49+00:00" /> 293<meta property="article:modified_time" content="2026-09-11T12:46:51+00:00" /> 294<meta property="og:site_name" content="Treasury Inflation-Protected Securities" /> 295<meta property="og:image" content="https://tipswatch.com/wp-content/uploads/2026/09/track_aug-lg.jpg" /> 296<meta property="og:image:width" content="662" /> 297<meta property="og:image:height" content="581" /> 298<meta property="og:image:alt" content="" /> 299<meta property="og:locale" content="en_US" /> 300<meta property="article:publisher" content="https://www.facebook.com/WordPresscom" /> 301<meta name="twitter:text:title" content="Inflation and I Bonds" /> 302<meta name="twitter:image" content="https://tipswatch.com/wp-content/uploads/2026/09/track_aug-lg.jpg?w=640" /> 303<meta name="twitter:card" content="summary_large_image" /> 304 305<!-- End Jetpack Open Graph Tags --> 306<link rel="shortcut icon" type="image/x-icon" href="https://secure.gravatar.com/blavatar/8b27e9c286ab194a8b14b88d35bd8701fd2234356dfb795fe76905d5925bea08?s=32" sizes="16x16" /> 307<link rel="icon" type="image/x-icon" href="https://secure.gravatar.com/blavatar/8b27e9c286ab194a8b14b88d35bd8701fd2234356dfb795fe76905d5925bea08?s=32" sizes="16x16" /> 308<link rel="apple-touch-icon" href="https://secure.gravatar.com/blavatar/8b27e9c286ab194a8b14b88d35bd8701fd2234356dfb795fe76905d5925bea08?s=114" /> 309<link rel='openid.server' href='https://tipswatch.com/?openidserver=1' /> 310<link rel='openid.delegate' href='https://tipswatch.com/' /> 311<link rel="search" type="application/opensearchdescription+xml" href="https://tipswatch.com/osd.xml" title="Treasury Inflation-Protected Securities" /> 312<link rel="search" type="application/opensearchdescription+xml" href="https://s1.wp.com/opensearch.xml" title="WordPress.com" /> 313 <style type="text/css"> 314 .recentcomments a { 315 display: inline !important; 316 padding: 0 !important; 317 margin: 0 !important; 318 } 319 320 table.recentcommentsavatartop img.avatar, table.recentcommentsavatarend img.avatar { 321 border: 0px; 322 margin: 0; 323 } 324 325 table.recentcommentsavatartop a, table.recentcommentsavatarend a { 326 border: 0px !important; 327 background-color: transparent !important; 328 } 329 330 td.recentcommentsavatarend, td.recentcommentsavatartop { 331 padding: 0px 0px 1px 0px; 332 margin: 0px; 333 } 334 335 td.recentcommentstextend { 336 border: none !important; 337 padding: 0px 0px 2px 10px; 338 } 339 340 .rtl td.recentcommentstextend { 341 padding: 0px 10px 2px 0px; 342 } 343 344 td.recentcommentstexttop { 345 border: none; 346 padding: 0px 0px 0px 10px; 347 } 348 349 .rtl td.recentcommentstexttop { 350 padding: 0px 10px 0px 0px; 351 } 352 </style> 353 <meta name="description" content="Tipswatch.com, updated Sept 11, 2026 Follow Tipswatch on X for updates on daily Treasury auctions and real yield trends. This chart shows monthly and six-month non-seasonally adjusted
353inflation numbers that the Treasury uses to set the six-month inflation-adjusted interest rate on U.S. Series I Savings Bonds. The March 2026 inflation report completed the six-month string…" /> 354 <style type="text/css" id="twentyten-header-css"> 355 #header { 356 padding: 20px 0 0; 357 } 358 #site-title, 359 #site-description { 360 position: absolute !important; 361 clip: rect(1px 1px 1px 1px); /* IE6, IE7 */ 362 clip: rect(1px, 1px, 1px, 1px); 363 } 364 </style> 365
365<script> 366var wa_client = {}; wa_client.cmd = []; wa_client.config = { 'blog_id': 22028311, 'blog_language': 'en', 'is_wordads': true, 'hosting_type': 1, 'afp_account_id': 'pub-8530370432832674', 'afp_host_id': 5038568878849053, 'theme': 'pub/twentyten', '_': { 'title': 'Advertisement', 'privacy_settings': 'Privacy Settings' }, 'formats': [ 'inline', 'belowpost', 'bottom_sticky', 'sidebar_sticky_right', 'sidebar', 'shortcode', 'gutenberg_rectangle', 'gutenberg_leaderboard', 'gutenberg_mobile_leaderboard', 'gutenberg_skyscraper' ] }; 367</script>
367 368
368<script type="text/javascript"> 369 370 window.doNotSellCallback = function() { 371 372 var linkElements = [ 373 'a[href="https://wordpress.com/?ref=footer_blog"]', 374 'a[href="https://wordpress.com/?ref=footer_website"]', 375 'a[href="https://wordpress.com/?ref=vertical_footer"]', 376 'a[href^="https://wordpress.com/?ref=footer_segment_"]', 377 ].join(','); 378 379 var dnsLink = document.createElement( 'a' ); 380 dnsLink.href = 'https://wordpress.com/advertising-program-optout/'; 381 dnsLink.classList.add( 'do-not-sell-link' ); 382 dnsLink.rel = 'nofollow'; 383 dnsLink.style.marginLeft = '0.5em'; 384 dnsLink.textContent = 'Do Not Sell or Share My Personal Information'; 385 386 var creditLinks = document.querySelectorAll( linkElements ); 387 388 if ( 0 === creditLinks.length ) { 389 return false; 390 } 391 392 Array.prototype.forEach.call( creditLinks, function( el ) { 393 el.insertAdjacentElement( 'afterend', dnsLink ); 394 }); 395 396 return true; 397 }; 398 399 </script>
399 400 <!-- Jetpack Google Analytics -->
vendor: 66 bytes, lines 400-401
400 401 <script async src='https://www.googletagmanager.com/gtag/js?id=
401G-ZLHH863V2F
vendor: 14 bytes, lines 401-402
401'></script> 402
402<script> 403
vendor: 144 bytes, lines 403-406
403window.dataLayer = window.dataLayer || []; 404 function gtag() { dataLayer.push( arguments ); } 405 gtag( 'js', new Date() ); 406 gtag( 'config', "
406G-ZLHH863V2F
vendor: 10 bytes, lines 406-407
406" ); 407
407</script>
407 408 <!-- End Jetpack Google Analytics --> 409
409<script type="text/javascript"> 410 window.google_analytics_uacct = "UA-52447-2"; 411</script>
411 412
413<script type="text/javascript"> 414 var _gaq = _gaq || []; 415 _gaq.push(['_setAccount', 'UA-52447-2']); 416 _gaq.push(['_gat._anonymizeIp']); 417 _gaq.push(['_setDomainName', 'none']); 418 _gaq.push(['_setAllowLinker', true]); 419 _gaq.push(['_initData']); 420 _gaq.push(['_trackPageview']); 421 422 (function() { 423 var ga = document.createElement('script'); ga.type = 'text/javascript'; ga.async = true; 424 ga.src = ('https:' == document.location.protocol ? 'https://ssl' : 'http://www') + '.google-analytics.com/ga.js'; 425 (document.getElementsByTagName('head')[0] || document.getElementsByTagName('body')[0]).appendChild(ga); 426 })(); 427</script>
427 428<link crossorigin='anonymous' rel='stylesheet' id='all-css-0-5' href='/_static/??-eJyNjMEKgzAQBX+o9ikVYg/ipxS7LhJNdoOb4O+Xgnr2OMMw2FNFKpklI5YqhTJ7MSyc00jrwYiqgo8XwjcorQbbfeLtSWYP3D9EnUpgA42bFuNwRaf4D4fYN+5dd61z7rX8ACk+O3g=&cssminify=yes' type='text/css' media='all' /> 429<style id="jetpack-subscriptions-inline-css"> 430#subscribe-email input { 431 width: 95%; 432} 433 434.comment-subscription-form { 435 margin-bottom: 1em; 436} 437 438.comment-subscription-form .subscribe-label { 439 display: inline !important; 440} 441 442/* 443Text meant only for screen readers. 444Provides support for themes that do not bundle this CSS yet. 445@see https://make.wordpress.org/accessibility/2015/02/09/hiding-text-for-screen-readers-with-wordpress-core/ 446***********************************/ 447.screen-reader-text { 448 border: 0; 449 clip-path: inset(50%); 450 height: 1px; 451 margin: -1px; 452 overflow: hidden; 453 padding: 0; 454 position: absolute !important; 455 width: 1px; 456 overflow-wrap: normal !important; 457} 458 459/*# sourceURL=/wp-content/mu-plugins/jetpack-plugin/moon/_inc/build/subscriptions/subscriptions.min.css */ 460</style> 461 462</head> 463 464<body class="wp-singular page-template-default page page-id-2291 custom-background wp-theme-pubtwentyten customizer-styles-applied single-author jetpack-reblog-enabled"> 465<div id="wrapper" class="hfeed"> 466 <div id="header"> 467 <div id="masthead"> 468 <div id="branding" role="banner"> 469 <div id="site-title"> 470 <span> 471 <a href="https://tipswatch.com/" title="Treasury Inflation-Protected Securities" rel="home">Treasury Inflation-Protected Securities</a> 472 </span> 473 </div> 474 <div id="site-description">TIPS: Perfect investment for imperfect times? News, ideas, alerts</div> 475 476 <a class="home-link" href="https://tipswatch.com/" title="Treasury Inflation-Protected Securities" rel="home"> 477 <img src="https://tipswatch.com/wp-content/uploads/2013/07/tipsrevised.gif" width="940" height="198" alt="" /> 478 </a> 479 </div><!-- #branding --> 480 481 <div id="access" role="navigation"> 482 <div class="skip-link screen-reader-text"><a href="#content" title="Skip to content">Skip to content</a></div> 483 <div class="menu"><ul> 484<li ><a href="https://tipswatch.com/">Home</a></li><li class="page_item page-item-2"><a href="https://tipswatch.com/about/">About Me</a></li> 485<li class="page_item page-item-2291 current_page_item"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/" aria-current="page">Inflation and I Bonds</a></li> 486<li class="page_item page-item-6734"><a href="https://tipswatch.com/qa-on-i-bonds/">Q&A on I Bonds</a></li> 487<li class="page_item page-item-6740"><a href="https://tipswatch.com/i-bond-manifesto/">I Bond Manifesto</a></li> 488<li class="page_item page-item-9562"><a href="https://tipswatch.com/tips-in-depth/">TIPS In-Depth</a></li> 489<li class="page_item page-item-242"><a href="https://tipswatch.com/why-tips/">Q&A on TIPS</a></li> 490<li class="page_item page-item-745"><a href="https://tipswatch.com/upcoming-tips-auctions/">TIPS auctions</a></li> 491<li class="page_item page-item-3893"><a href="https://tipswatch.com/tips-vs-nominal-treasurys/">TIPS vs. Nominals</a></li> 492<li class="page_item page-item-3515"><a href="https://tipswatch.com/social-security-cola/">Social Security COLA</a></li> 493</ul></div> 494 </div><!-- #access --> 495 </div><!-- #masthead --> 496 </div><!-- #header --> 497 498 <div id="main"> 499 500 <div id="container"> 501 <div id="content" role="main"> 502 503 504 505 <div id="post-2291" class="post-2291 page type-page status-publish hentry"> 506 <h1 class="entry-title">Inflation and I Bonds</h1> 507 508 <div class="entry-content"> 509 510<p class="wp-block-paragraph"><em>Tipswatch.com, updated Sept 11, 2026</em></p> 511 512 513 514<p class="wp-block-paragraph"><em>Follow <a href="https://twitter.com/TipsWatch">Tipswatch on X</a> for updates on daily Treasury auctions and real yield trends.</em></p> 515 516 517 518<p class="wp-block-paragraph">This chart shows monthly and six-month non-seasonally adjusted inflation numbers that the Treasury uses to set the six-month inflation-adjusted interest rate on U.S. Series I Savings Bonds.</p> 519 520 521 522<p class="wp-block-paragraph">The March 2026 inflation report completed the six-month string needed to calculate the I Bond’s new variable rate, reset May 1, 2026. The new rate is 3.34%. Combined with a fixed rate of 0.90%, the I Bond’s composite rate is 4.26% for purchases through October 2026.</p> 523 524 525 526<p class="wp-block-paragraph">All I Bonds, no matter when they were issued, will eventually get the variable rate of 3.34% for six months, with the starting month depending on the original purchase month. Both the permanent fixed rate and inflation rate will be reset again on November 1, 2026.</p> 527 528 529 530<ul class="wp-block-list"> 531<li><strong>May 1, 2026:</strong>
531 <a href="https://tipswatch.com/2026/04/30/treasury-holds-i-bond-fixed-rate-at-0-90-composite-rate-rises-to-4-26/" target="_blank" rel="noreferrer noopener">I Bond fixed rate holds at 0.90%; composite rate rises to 4.26%</a></li> 532 533 534 535<li><a href="https://tipswatch.com/2022/09/06/lets-try-to-clarify-how-an-i-bonds-interest-is-calculated/">Letâs âtryâ to clarify how an I Bondâs interest is calculated</a></li> 536 537 538 539<li><a href="https://tipswatch.com/2023/02/21/i-bonds-heres-a-simple-way-to-track-current-value/" target="_blank" rel="noreferrer noopener">I Bonds: Hereâs a simple way to track current value</a></li> 540 541 542 543<li><a href="https://tipswatch.com/2021/09/26/i-bond-manifesto-why-inflation-linked-savings-bonds-can-work-as-part-of-your-emergency-fund/"></a><a href="https://tipswatch.com/qa-on-i-bonds/" target="_blank" rel="noreferrer noopener">Confused by I Bonds? Read my Q&A</a></li> 544</ul> 545 546 547<div class="wp-block-image"> 548<figure class="aligncenter size-large"><a href="https://tipswatch.com/wp-content/uploads/2026/09/track_aug-lg.jpg"><img data-attachment-id="21435" data-permalink="https://tipswatch.com/tracking-inflation-and-i-bonds/track_aug-lg/" data-orig-file="https://tipswatch.com/wp-content/uploads/2026/09/track_aug-lg.jpg" data-orig-size="662,581" data-comments-opened="1" data-image-title="track_aug-lg" data-image-description="" data-image-caption="" data-large-file="https://tipswatch.com/wp-content/uploads/2026/09/track_aug-lg.jpg?w=640" width="662" height="581" src="https://tipswatch.com/wp-content/uploads/2026/09/track_aug-lg.jpg?w=662" alt="" class="wp-image-21435" srcset="https://tipswatch.com/wp-content/uploads/2026/09/track_aug-lg.jpg 662w, https://tipswatch.com/wp-content/uploads/2026/09/track_aug-lg.jpg?w=150 150w, https://tipswatch.com/wp-content/uploads/2026/09/track_aug-lg.jpg?w=300 300w" sizes="(max-width: 662px) 100vw, 662px" /></a></figure> 549</div> 550 551<div class="wp-block-image"> 552<figure class="aligncenter size-large"><a href="https://tipswatch.com/wp-content/uploads/2025/05/mar2025bottom.jpg"><img data-attachment-id="16863" data-permalink="https://tipswatch.com/tracking-inflation-and-i-bonds/mar2025bottom/" data-orig-file="https://tipswatch.com/wp-content/uploads/2025/05/mar2025bottom.jpg" data-orig-size="657,413" data-comments-opened="1" data-image-title="mar2025bottom" data-image-description="" data-image-caption="" data-large-file="https://tipswatch.com/wp-content/uploads/2025/05/mar2025bottom.jpg?w=640" width="657" height="413" src="https://tipswatch.com/wp-content/uploads/2025/05/mar2025bottom.jpg?w=657" alt="" class="wp-image-16863" srcset="https://tipswatch.com/wp-content/uploads/2025/05/mar2025bottom.jpg 657w, https://tipswatch.com/wp-content/uploads/2025/05/mar2025bottom.jpg?w=150 150w, https://tipswatch.com/wp-content/uploads/2025/05/mar2025bottom.jpg?w=300 300w" sizes="(max-width: 657px) 100vw, 657px" /></a></figure> 553</div> 554 555 556<figure class="wp-block-image size-large"><a href="https://tipswatch.com/wp-content/uploads/2023/11/track_oct_large_bottom.jpg"><img data-attachment-id="12705" data-permalink="https://tipswatch.com/tracking-inflation-and-i-bonds/track_oct_large_bottom/" data-orig-file="https://tipswatch.com/wp-content/uploads/2023/11/track_oct_large_bottom.jpg" data-orig-size="663,544" data-comments-opened="1" data-image-title="track_oct_large_bottom" data-image-description="" data-image-caption="" data-large-file="https://tipswatch.com/wp-content/uploads/2023/11/track_oct_large_bottom.jpg?w=640" width="663" height="544" src="https://tipswatch.com/wp-content/uploads/2023/11/track_oct_large_bottom.jpg?w=663" alt="" class="wp-image-12705" srcset="https://tipswatch.com/wp-content/uploads/2023/11/track_oct_large_bottom.jpg 663w, https://tipswatch.com/wp-content/uploads/2023/11/track_oct_large_bottom.jpg?w=150 150w, https://tipswatch.com/wp-content/uploads/2023/11/track_oct_large_bottom.jpg?w=300 300w" sizes="(max-width: 663px) 100vw, 663px" /></a></figure> 557 558 559<div class="wp-block-image"> 560<figure class="aligncenter"><img data-attachment-id="6508" data-permalink="https://tipswatch.com/tracking-inflation-and-i-bonds/bottom-2/" data-orig-file="https://tipswatch.com/wp-content/uploads/2021/11/bottom.jpg" data-orig-size="657,550" data-comments-opened="1" data-image-title="bottom" data-image-description="" data-image-caption="" data-large-file="https://tipswatch.com/wp-content/uploads/2021/11/bottom.jpg?w=640" loading="lazy" width="657" height="550" src="https://tipswatch.com/wp-content/uploads/2021/11/bottom.jpg" alt="bottom" class="wp-image-6508" srcset="https://tipswatch.com/wp-content/uploads/2021/11/bottom.jpg 657w, https://tipswatch.com/wp-content/uploads/2021/11/bottom.jpg?w=150&h=126 150w, https://tipswatch.com/wp-content/uploads/2021/11/bottom.jpg?w=300&
560h=251 300w" sizes="auto, (max-width: 657px) 100vw, 657px" /></figure> 561</div> 562 563<div class="wp-block-image"> 564<figure class="aligncenter"><img data-attachment-id="3918" data-permalink="https://tipswatch.com/tracking-inflation-and-i-bonds/inflationbonds/" data-orig-file="https://tipswatch.com/wp-content/uploads/2019/04/inflationbonds.jpg" data-orig-size="658,1937" data-comments-opened="1" data-image-title="inflationbonds" data-image-description="" data-image-caption="" data-large-file="https://tipswatch.com/wp-content/uploads/2019/04/inflationbonds.jpg?w=348" loading="lazy" width="658" height="1937" src="https://tipswatch.com/wp-content/uploads/2019/04/inflationbonds.jpg" alt="inflationbonds" class="wp-image-3918" srcset="https://tipswatch.com/wp-content/uploads/2019/04/inflationbonds.jpg 658w, https://tipswatch.com/wp-content/uploads/2019/04/inflationbonds.jpg?w=51&h=150 51w, https://tipswatch.com/wp-content/uploads/2019/04/inflationbonds.jpg?w=102&h=300 102w" sizes="auto, (max-width: 658px) 100vw, 658px" /></figure> 565</div> 566 567 568<p class="has-text-align-left wp-block-paragraph">—————————</p> 569 570 571<div class="wp-block-image"> 572<figure class="alignright size-full is-resized"><img data-attachment-id="17387" data-permalink="https://tipswatch.com/2025/07/01/the-tip-etf-just-hit-a-meaningless-milestone/tips4/" data-orig-file="https://tipswatch.com/wp-content/uploads/2025/07/tips4.jpg" data-orig-size="150,80" data-comments-opened="1" data-image-title="tips4" data-image-description="" data-image-caption="" data-large-file="https://tipswatch.com/wp-content/uploads/2025/07/tips4.jpg?w=150" loading="lazy" width="150" height="80" src="https://tipswatch.com/wp-content/uploads/2025/07/tips4.jpg" alt="" class="wp-image-17387" style="aspect-ratio:1.4706296787942121;width:174px;height:auto" /></figure> 573</div> 574 575 576<p class="has-text-align-left wp-block-paragraph"><strong>Donate? </strong><em>This site is free and I plan to keep it that way. Some readers have suggested having a way to contribute. I would welcome donations. Any amount, or skip it, your choice. This is completely optional.</em></p> 577 578 579 580<p class="has-text-align-left wp-block-paragraph"><em><strong><a href="https://paypal.me/dvdre?country.x=US&locale.x=en_US">PayPal link</a></strong></em> / <strong><a href="https://venmo.com/u/David-Enna"><em>Venmo link</em></a></strong></p> 581<span id="wordads-inline-marker" style="display: none;"></span><div id="jp-post-flair" class="sharedaddy sd-like-enabled sd-sharing-enabled"><div class="sharedaddy sd-sharing-enabled"><div class="robots-nocontent sd-block sd-social sd-social-icon-text sd-sharing"><h3 class="sd-title">Share this:</h3><div class="sd-content"><ul><li class="share-facebook"><a rel="nofollow noopener noreferrer" 582 data-shared="sharing-facebook-2291" 583 class="share-facebook sd-button share-icon" 584 href="https://tipswatch.com/tracking-inflation-and-i-bonds/?share=facebook" 585 target="_blank" 586 aria-labelledby="sharing-facebook-2291" 587 > 588 <span id="sharing-facebook-2291" hidden>Share on Facebook (Opens in new window)</span> 589 <span>Facebook</span> 590 </a></li><li class="share-x"><a rel="nofollow noopener noreferrer" 591 data-shared="sharing-x-2291" 592 class="share-x sd-button share-icon" 593 href="https://tipswatch.com/tracking-inflation-and-i-bonds/?share=x" 594 target="_blank" 595 aria-labelledby="sharing-x-2291" 596 > 597 <span id="sharing-x-2291" hidden>Share on X (Opens in new window)</span> 598 <span>X</span> 599 </a></li><li class="share-end"></li></ul></div></div></div><div class='sharedaddy sd-block sd-like jetpack-likes-widget-wrapper jetpack-likes-widget-unloaded' id='like-post-wrapper-22028311-2291-6abec63e5e0f4' data-src='//widgets.wp.com/likes/index.html?ver=20261001#blog_id=22028311&post_id=2291&origin=tipswatch.wordpress.com&obj_id=22028311-2291-6abec63e5e0f4&domain=tipswatch.com' data-name='like-post-frame-22028311-2291-6abec63e5e0f4' data-title='Like or Reblog'><div class='likes-widget-placeholder post-likes-widget-placeholder' style='height: 55px;'><span class='button'><span>Like</span></span> <span class='loading'>Loading...</span></div><span class='sd-text-color'></span><a class='sd-link-color'></a></div></div> </div><!-- .entry-content --> 600 </div><!-- #post-2291 --> 601 602 603 <div id="comments"> 604 605 606 <h3 id="comments-title"> 607 137 Responses to <em>Inflation and I Bonds</em> </h3> 608 609 610 <ol class="commentlist"> 611 <li class="post pingback"> 612 <p>Pingback: <a href="https://reportvia.com/series-i-bond-rate-is-4-26-through-october-2026/" class="url" rel="ugc external nofollow">Series I bond rate is 4.26% through October 2026 » Report Via</a></p> 613 </li><!-- #comment-## --> 614 <li class="comment even thread-even depth-1" id="li-comment-42958"> 615 <div id="comment-42958"> 616 <div class="comment-author vcard"> 617 <img referrerpolicy="no-referrer" alt='BogleMister's avatar' src='https://1.gravatar.com/avatar/d53ee68dbae0d79db74a540f2abf612bbfd8a2377b3f1d4eadc815d41f469d69?s=40&d=identicon&r=G' srcset='https://1.gravatar.com/avatar/d53ee68dbae0d79db74a540f2abf612bbfd8a2377b3f1d4eadc815d41f469d69?s=40&d=identicon&r=G 1x, https://1.gravatar.com/avatar/d53ee68dbae0d79db74a540f2abf612bbfd8a2377b3f1d4eadc815d41f469d69?s=60&d=identicon&r=G 1.5x, https://1.gravatar.com/avatar/d53ee68dbae0d79db74a540f2abf612bbfd8a2377b3f1d4eadc815d41f469d69?s=80&d=identicon&r=G 2x, https://1.gravatar.com/avatar/d53ee68dbae0d79db74a540f2abf612bbfd8a2377b3f1d4eadc815d41f469d69?s=120&d=identicon&r=G 3x, https://1.gravatar.com/avatar/d53ee68dbae0d79db74a540f2abf612bbfd8a2377b3f1d4eadc815d41f469d69?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">BogleMister</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 618 619 620 621 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-42958"> 622 April 10, 2026 at 12:30 pm</a> </div><!-- .comment-meta .commentmetadata --> 623 624 <div class="comment-body"><p class="wp-block-paragraph">I just wanted to offer up this free I Bond tracker I developed for anyone who’d like to try it.</p> 625<p><a href="https://ibonds.pages.dev/" rel="nofollow ugc">https://ibonds.pages.dev/</a></p> 626<p>No login required, ads, or cloud storage of data. Your bond list is stored in browser storage.</p> 627<p>Suggestions are welcome.</p> 628</div> 629 630 <div class="reply"> 631 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=42958#respond" data-commentid="42958" data-postid="2291" data-belowelement="comment-42958" data-respondelement="respond" data-replyto="Reply to BogleMister" aria-label="Reply to BogleMister">Reply</a> </div><!-- .reply --> 632 </div><!-- #comment-## --> 633 634 <ul class="children"> 635 <li class="comment odd alt depth-2" id="li-comment-43716"> 636 <div id="comment-43716"> 637 <div class="comment-author vcard"> 638 <img referrerpolicy="no-referrer" alt='Scott's avatar' src='https://2.gravatar.com/avatar/e40654ba4a874a1fcb3035a0df5eda393d8f9803a6a6575c0d2351e9b47411ad?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/e40654ba4a874a1fcb3035a0df5eda393d8f9803a6a6575c0d2351e9b47411ad?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/e40654ba4a874a1fcb3035a0df5eda393d8f9803a6a6575c0d2351e9b47411ad?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/e40654ba4a874a1fcb3035a0df5eda393d8f9803a6a6575c0d2351e9b47411ad?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/e40654ba4a874a1fcb3035a0df5eda393d8f9803a6a6575c0d2351e9b47411ad?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/e40654ba4a874a1fcb3035a0df5eda393d8f9803a6a6575c0d2351e9b47411ad?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Scott</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 639 640 641 642 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-43716"> 643 July 5, 2026 at 2:27 pm</a> </div><!-- .comment-meta .commentmetadata --> 644 645 <div class="comment-body"><p class="wp-block-paragraph">
645This is awesome, accurate and easy. Thank you so much</p> 646</div> 647 648 <div class="reply"> 649 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=43716#respond" data-commentid="43716" data-postid="2291" data-belowelement="comment-43716" data-respondelement="respond" data-replyto="Reply to Scott" aria-label="Reply to Scott">Reply</a> </div><!-- .reply --> 650 </div><!-- #comment-## --> 651 652 <ul class="children"> 653 <li class="comment even depth-3" id="li-comment-43722"> 654 <div id="comment-43722"> 655 <div class="comment-author vcard"> 656 <img referrerpolicy="no-referrer" alt='Boglehead's avatar' src='https://0.gravatar.com/avatar/3795d7b7f31c81b63c0026b08f16753817eae90fbe304af9a3c5d619387e8f22?s=40&d=identicon&r=G' srcset='https://0.gravatar.com/avatar/3795d7b7f31c81b63c0026b08f16753817eae90fbe304af9a3c5d619387e8f22?s=40&d=identicon&r=G 1x, https://0.gravatar.com/avatar/3795d7b7f31c81b63c0026b08f16753817eae90fbe304af9a3c5d619387e8f22?s=60&d=identicon&r=G 1.5x, https://0.gravatar.com/avatar/3795d7b7f31c81b63c0026b08f16753817eae90fbe304af9a3c5d619387e8f22?s=80&d=identicon&r=G 2x, https://0.gravatar.com/avatar/3795d7b7f31c81b63c0026b08f16753817eae90fbe304af9a3c5d619387e8f22?s=120&d=identicon&r=G 3x, https://0.gravatar.com/avatar/3795d7b7f31c81b63c0026b08f16753817eae90fbe304af9a3c5d619387e8f22?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Boglehead</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 657 658 659 660 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-43722"> 661 July 5, 2026 at 7:50 pm</a> </div><!-- .comment-meta .commentmetadata --> 662 663 <div class="comment-body"><p class="wp-block-paragraph">Looks great, but seems to only work if you bought at auction. Could you include an “add bond by Cusip”?</p> 664</div> 665 666 <div class="reply"> 667 </div><!-- .reply --> 668 </div><!-- #comment-## --> 669 670 </li><!-- #comment-## --> 671</ul><!-- .children --> 672</li><!-- #comment-## --> 673</ul><!-- .children --> 674</li><!-- #comment-## --> 675 <li class="post pingback"> 676 <p>Pingback: <a href="https://tipswatch.com/2024/08/07/where-is-the-i-bonds-composite-rate-heading-in-november/" class="url" rel="ugc">Where is the I Bond’s composite rate heading in November? | Treasury Inflation-Protected Securities</a></p> 677 </li><!-- #comment-## --> 678 <li class="comment odd alt thread-odd thread-alt depth-1" id="li-comment-34769"> 679 <div id="comment-34769"> 680 <div class="comment-author vcard"> 681 <img referrerpolicy="no-referrer" alt='Dog's avatar' src='https://0.gravatar.com/avatar/f8196229495d525d8286978ed8756bae58801d6109d75e1962927b68456d7ab6?s=40&d=identicon&r=G' srcset='https://0.gravatar.com/avatar/f8196229495d525d8286978ed8756bae58801d6109d75e1962927b68456d7ab6?s=40&d=identicon&r=G 1x, https://0.gravatar.com/avatar/f8196229495d525d8286978ed8756bae58801d6109d75e1962927b68456d7ab6?s=60&d=identicon&r=G 1.5x, https://0.gravatar.com/avatar/f8196229495d525d8286978ed8756bae58801d6109d75e1962927b68456d7ab6?s=80&d=identicon&r=G 2x, https://0.gravatar.com/avatar/f8196229495d525d8286978ed8756bae58801d6109d75e1962927b68456d7ab6?s=120&d=identicon&r=G 3x, https://0.gravatar.com/avatar/f8196229495d525d8286978ed8756bae58801d6109d75e1962927b68456d7ab6?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Dog</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 682 683 684 685 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-34769"> 686 September 25, 2023 at 2:11 pm</a> </div><!-- .comment-meta .commentmetadata --> 687 688 <div class="comment-body"><p>When the fixed rate is 0% an ibond semi annual of 1.015% and then 1.025% (or vice versa) results in less growth than two consecutive periods of 1.02%. My human nature leads to my questioning whether the variable rate adjusting every six months is a good thing for keeping up with inflation, or is it a slightly bad thing as indicated by the simple math? My difficulty is that the semiannual rates will always under deliver vs a year long average of the two semiannual rates. Of course if the adjustable rate was only adjusted yearly, then we could have missed the highest semiannual period, but since there has not been any deflation since May of 2015 I suspect that for the most part the use of semiannual adjustments is not as beneficial for ibond purchasers as would be year long variable rates.</p> 689</div> 690 691 <div class="reply"> 692 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=34769#respond" data-commentid="34769" data-postid="2291" data-belowelement="comment-34769" data-respondelement="respond" data-replyto="Reply to Dog" aria-label="Reply to Dog">Reply</a> </div><!-- .reply --> 693 </div><!-- #comment-## --> 694 695 <ul class="children"> 696 <li class="comment even depth-2" id="li-comment-34986"> 697 <div id="comment-34986"> 698 <div class="comment-author vcard"> 699 <img referrerpolicy="no-referrer" alt='Matt's avatar' src='https://2.gravatar.com/avatar/bf9f7e1bc0a2e5d81d6d840b9c9007db2796c30c6a4a4883db43be87c227bc60?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/bf9f7e1bc0a2e5d81d6d840b9c9007db2796c30c6a4a4883db43be87c227bc60?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/bf9f7e1bc0a2e5d81d6d840b9c9007db2796c30c6a4a4883db43be87c227bc60?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/bf9f7e1bc0a2e5d81d6d840b9c9007db2796c30c6a4a4883db43be87c227bc60?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/bf9f7e1bc0a2e5d81d6d840b9c9007db2796c30c6a4a4883db43be87c227bc60?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/bf9f7e1bc0a2e5d81d6d840b9c9007db2796c30c6a4a4883db43be87c227bc60?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Matt</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 700 701 702 703 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-34986"> 704 October 14, 2023 at 1:45 am</a> </div><!-- .comment-meta .commentmetadata --> 705 706 <div class="comment-body"><p>Shouldn’t make any difference. The geometric CAGR will lag the arithmetic average, but the same math applies to the inflation you’re trying to match.</p> 707</div> 708 709 <div class="reply"> 710 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=34986#respond" data-commentid="34986" data-postid="2291" data-belowelement="comment-34986" data-respondelement="respond" data-replyto="Reply to Matt" aria-label="Reply to Matt">Reply</a> </div><!-- .reply --> 711 </div><!-- #comment-## --> 712 713 </li><!-- #comment-## --> 714</ul><!-- .children --> 715</li><!-- #comment-## --> 716 <li class="comment odd alt thread-even depth-1" id="li-comment-34767"> 717 <div id="comment-34767"> 718 <div class="comment-author vcard"> 719 <img referrerpolicy="no-referrer" alt='Mike's avatar' src='https://0.gravatar.com/avatar/987964f902d513c0770e5c468cf68902a8ec3000c74a2b65c9731c1c0278d485?s=40&d=identicon&r=G' srcset='https://0.gravatar.com/avatar/987964f902d513c0770e5c468cf68902a8ec3000c74a2b65c9731c1c0278d485?s=40&d=identicon&r=G 1x, https://0.gravatar.com/avatar/987964f902d513c0770e5c468cf68902a8ec3000c74a2b65c9731c1c0278d485?s=60&d=identicon&r=G 1.5x, https://0.gravatar.com/avatar/987964f902d513c0770e5c468cf68902a8ec3000c74a2b65c9731c1c0278d485?s=80&d=identicon&r=G 2x, https://0.gravatar.com/avatar/987964f902d513c0770e5c468cf68902a8ec3000c74a2b65c9731c1c0278d485?s=120&d=identicon&r=G 3x, https://0.gravatar.com/avatar/987964f902d513c0770e5c468cf68902a8ec3000c74a2b65c9731c1c0278d485?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Mike</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 720 721 722 723 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-34767"> 724 September 25, 2023 at 12:35 am</a> </div><!-- .comment-meta .commentmetadata --> 725 726 <div class="comment-body"><p>I will be redeeming some of my 0% fixed I-Bonds and buying in November. The fixed rate should rise from 0.9% to > 1.5% for sure. Some where between 1.6-1.9% seems likely. Whatâs your guess?</p> 727</div> 728 729 <div class="reply"> 730 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=34767#respond" data-commentid="34767" data-postid="2291" data-belowelement="comment-34767" data-respondelement="respond" data-replyto="Reply to Mike" aria-label="Reply to Mike">Reply</a> </div><!-- .reply --> 731 </div><!-- #comment-## --> 732 733 <ul class="children"> 734 <li class="comment byuser comment-author-tipswatch bypostauthor even depth-2" id="li-comment-34768"> 735 <div id="comment-34768"> 736 <div class="comment-author vcard"> 737 <img referrerpolicy="no-referrer" alt='Tipswatch's avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn"><a href="http://www.tipswatch.com" class="url" rel="ugc external nofollow">Tipswatch</a></cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 738 739 740 741 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-34768"> 742 September 25, 2023 at 1:03 am</a> </div><!-- .comment-meta .commentmetadata --> 743 744 <div class="comment-body"><p>I think the fixed rate will rise, but 1.5% might be a reach.</p> 745</div> 746 747 <div class="reply"> 748 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=34768#respond" data-commentid="34768" data-postid="2291" data-belowelement="comment-34768" data-respondelement="respond" data-replyto="Reply to Tipswatch" aria-label="Reply to Tipswatch">Reply</a> </div><!-- .reply --> 749 </div><!-- #comment-## --> 750 751 <ul class="children"> 752 <li class="comment byuser comment-author-shanespitzer odd alt depth-3" id="li-comment-34779"> 753 <div id="comment-34779"> 754 <div class="comment-author vcard"> 755 <img referrerpolicy="no-referrer" alt='Shane's avatar' src='https://2.gravatar.com/avatar/ea5182f3de6545476ae3c154e0cb3f4ed739f53b7147f41955f2669f2af1536c?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/ea5182f3de6545476ae3c154e0cb3f4ed739f53b7147f41955f2669f2af1536c?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/ea5182f3de6545476ae3c154e0cb3f4ed739f53b7147f41955f2669f2af1536c?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/ea5182f3de6545476ae3c154e0cb3f4ed739f53b7147f41955f2669f2af1536c?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/ea5182f3de6545476ae3c154e0cb3f4ed739f53b7147f41955f2669f2af1536c?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/ea5182f3de6545476ae3c154e0cb3f4ed739f53b7147f41955f2669f2af1536c?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn"><a href="http://www.facebook.com/dealgrove" class="url" rel="ugc external nofollow">Shane</a></cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 756 757 758 759 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-34779"> 760 October 2, 2023 at 9:54 am</a> </div><!-- .comment-meta .commentmetadata --> 761 762 <div class="comment-body"><p>Assuming the rate goes up (or at least stays the same in Nov), then one would be better off waiting to make their $10k annual purchase in Nov, rather than late Oct, correct? And then we could also buy our 2024 annual purchase in late April, grabbing the same fixed rate, correct?</p> 763</div> 764 765 <div class="reply"> 766 </div><!-- .reply --> 767 </div><!-- #comment-## --> 768 769 </li><!-- #comment-## --> 770 <li class="comment byuser comment-author-tipswatch bypostauthor even depth-3" id="li-comment-34786"> 771 <div id="comment-34786"> 772 <div class="comment-author vcard"> 773 <img referrerpolicy="no-referrer" alt='Tipswatch's avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn"><a href="http://www.tipswatch.com" class="url" rel="ugc external nofollow">Tipswatch</a></cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 774 775 776 777 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-34786"> 778 October 3, 2023 at 2:43 am</a> </div><!-- .comment-meta .commentmetadata --> 779 780 <div class="comment-body"><p>I do believe the fixed rate will rise, but there are no guarantees. I will post an analysis early next week. You are correct that the November fixed rate will continue to April 2024.</p> 781</div> 782 783 <div class="reply"> 784 </div><!-- .reply --> 785 </div><!-- #comment-## --> 786 787 </li><!-- #comment-## --> 788</ul><!-- .children --> 789</li><!-- #comment-## --> 790</ul><!-- .children --> 791</li><!-- #comment-## --> 792 <li class="comment odd alt thread-odd thread-alt depth-1" id="li-comment-34764"> 793 <div id="comment-34764"> 794 <div class="comment-author vcard"> 795 <img referrerpolicy="no-referrer" alt='Bill's avatar' src='https://1.gravatar.com/avatar/ad2733fd404e1de5fc97601ef340d0f30fbca5375d7d7b526638083eb6bcd3a9?s=40&d=identicon&r=G' srcset='https://1.gravatar.com/avatar/ad2733fd404e1de5fc97601ef340d0f30fbca5375d7d7b526638083eb6bcd3a9?s=40&d=identicon&r=G 1x, https://1.gravatar.com/avatar/ad2733fd404e1de5fc97601ef340d0f30fbca5375d7d7b526638083eb6bcd3a9?s=60&d=identicon&r=G 1.5x, https://1.gravatar.com/avatar/ad2733fd404e1de5fc97601ef340d0f30fbca5375d7d7b526638083eb6bcd3a9?s=80&d=identicon&r=G 2x, https://1.gravatar.com/avatar/ad2733fd404e1de5fc97601ef340d0f30fbca5375d7d7b526638083eb6bcd3a9?s=120&d=identicon&r=G 3x, https://1.gravatar.com/avatar/ad2733fd404e1de5fc97601ef340d0f30fbca5375d7d7b526638083eb6bcd3a9?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading
795='lazy' decoding='async' /> <cite class="fn">Bill</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 796 797 798 799 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-34764"> 800 September 23, 2023 at 2:42 pm</a> </div><!-- .comment-meta .commentmetadata --> 801 802 <div class="comment-body"><p>Not sure if this is a new question or a reply…but I was wondering if I could gift myself I bonds for future deposit into my account. I realize this would be limited to 10K dollars per year in the future…</p> 803<p>Just curious</p> 804<p>Earlier in this thread I mentioned that my wife accidentally gifted me I Bonds in excess of the annual 10K per year, last year. Well they were not acted upon and all is good in that respect. Of course, I would not buy more than 5k this year, just in case that was a fluke and I got lucky.</p> 805</div> 806 807 <div class="reply"> 808 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=34764#respond" data-commentid="34764" data-postid="2291" data-belowelement="comment-34764" data-respondelement="respond" data-replyto="Reply to Bill" aria-label="Reply to Bill">Reply</a> </div><!-- .reply --> 809 </div><!-- #comment-## --> 810 811 <ul class="children"> 812 <li class="comment byuser comment-author-tipswatch bypostauthor even depth-2" id="li-comment-34765"> 813 <div id="comment-34765"> 814 <div class="comment-author vcard"> 815 <img referrerpolicy="no-referrer" alt='Tipswatch's avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn"><a href="http://www.tipswatch.com" class="url" rel="ugc external nofollow">Tipswatch</a></cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 816 817 818 819 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-34765"> 820 September 23, 2023 at 2:46 pm</a> </div><!-- .comment-meta .commentmetadata --> 821 822 <div class="comment-body"><p>No, you cannot gift I Bonds to yourself. Has to be to a separate person.</p> 823</div> 824 825 <div class="reply"> 826 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=34765#respond" data-commentid="34765" data-postid="2291" data-belowelement="comment-34765" data-respondelement="respond" data-replyto="Reply to Tipswatch" aria-label="Reply to Tipswatch">Reply</a> </div><!-- .reply --> 827 </div><!-- #comment-## --> 828 829 </li><!-- #comment-## --> 830</ul><!-- .children --> 831</li><!-- #comment-## --> 832 <li class="post pingback"> 833 <p>Pingback: <a href="http://frequentlytaxedquestions.com/2023/05/13/the-boring-newsletter-5-13-2023/" class="url" rel="ugc external nofollow">The Boring Newsletter, 5/13/2023 – Frequently Taxed Questions</a></p> 834 </li><!-- #comment-## --> 835 <li class="comment byuser comment-author-internettoughguy69 odd alt thread-even depth-1" id="li-comment-32018"> 836 <div id="comment-32018"> 837 <div class="comment-author vcard"> 838 <img referrerpolicy="no-referrer" alt='internettoughguy69's avatar' src='https://0.gravatar.com/avatar/6dabdba8166a1b470604b9defd29167432b7c90e09d17400e9d2bc7b0ed4799f?s=40&d=identicon&r=G' srcset='https://0.gravatar.com/avatar/6dabdba8166a1b470604b9defd29167432b7c90e09d17400e9d2bc7b0ed4799f?s=40&d=identicon&r=G 1x, https://0.gravatar.com/avatar/6dabdba8166a1b470604b9defd29167432b7c90e09d17400e9d2bc7b0ed4799f?s=60&d=identicon&r=G 1.5x, https://0.gravatar.com/avatar/6dabdba8166a1b470604b9defd29167432b7c90e09d17400e9d2bc7b0ed4799f?s=80&d=identicon&r=G 2x, https://0.gravatar.com/avatar/6dabdba8166a1b470604b9defd29167432b7c90e09d17400e9d2bc7b0ed4799f?s=120&d=identicon&r=G 3x, https://0.gravatar.com/avatar/6dabdba8166a1b470604b9defd29167432b7c90e09d17400e9d2bc7b0ed4799f?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">internettoughguy69</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 839 840 841 842 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-32018"> 843 May 7, 2023 at 2:05 am</a> </div><!-- .comment-meta .commentmetadata --> 844 845 <div class="comment-body"><p>This may be a stupid question, but I am curious, in real terms, how well do these *actually* match inflation? I mean in theory you obviously shouldn’t lose any purchasing power, but in reality, how have they held up?</p> 846</div> 847 848 <div class="reply"> 849 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=32018#respond" data-commentid="32018" data-postid="2291" data-belowelement="comment-32018" data-respondelement="respond" data-replyto="Reply to internettoughguy69" aria-label="Reply to internettoughguy69">Reply</a> </div><!-- .reply --> 850 </div><!-- #comment-## --> 851 852 <ul class="children"> 853 <li class="comment byuser comment-author-tipswatch bypostauthor even depth-2" id="li-comment-32020"> 854 <div id="comment-32020"> 855 <div class="comment-author vcard"> 856 <img referrerpolicy="no-referrer" alt='Tipswatch's avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn"><a href="http://www.tipswatch.com" class="url" rel="ugc external nofollow">Tipswatch</a></cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 857 858 859 860 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-32020"> 861 May 7, 2023 at 7:35 am</a> </div><!-- .comment-meta .commentmetadata --> 862 863 <div class="comment-body"><p>Since they are tied to official US inflation, they track very well over time. But federal income taxes will lower the return, upon redemption. Thatâs why a high fixed rate is so attractive.</p> 864</div> 865 866 <div class="reply"> 867 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=32020#respond" data-commentid="32020" data-postid="2291" data-belowelement="comment-32020" data-respondelement="respond" data-replyto="Reply to Tipswatch" aria-label="Reply to Tipswatch">Reply</a> </div><!-- .reply --> 868 </div><!-- #comment-## --> 869 870 <ul class="children"> 871 <li class="comment odd alt depth-3" id="li-comment-33126"> 872 <div id="comment-33126"> 873 <div class="comment-author vcard"> 874 <img referrerpolicy="no-referrer" alt='Andrew's avatar' src='https://0.gravatar.com/avatar/6dabdba8166a1b470604b9defd29167432b7c90e09d17400e9d2bc7b0ed4799f?s=40&d=identicon&r=G' srcset='https://0.gravatar.com/avatar/6dabdba8166a1b470604b9defd29167432b7c90e09d17400e9d2bc7b0ed4799f?s=40&d=identicon&r=G 1x, https://0.gravatar.com/avatar/6dabdba8166a1b470604b9defd29167432b7c90e09d17400e9d2bc7b0ed4799f?s=60&d=identicon&r=G 1.5x, https://0.gravatar.com/avatar/6dabdba8166a1b470604b9defd29167432b7c90e09d17400e9d2bc7b0ed4799f?s=80&d=identicon&r=G 2x, https://0.gravatar.com/avatar/6dabdba8166a1b470604b9defd29167432b7c90e09d17400e9d2bc7b0ed4799f?s=120&d=identicon&r=G 3x, https://0.gravatar.com/avatar/6dabdba8166a1b470604b9defd29167432b7c90e09d17400e9d2bc7b0ed4799f?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Andrew</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 875 876 877 878 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-33126"> 879 July 4, 2023 at 12:00 pm</a> </div><!-- .comment-meta .commentmetadata --> 880 881 <div class="comment-body"><p>I got the time to test it out. Starting with 100k at November ’07, I got to $151k on a 0% fixed, 163k on a .5% fixed, and 173k on .9% fixed – this would be at October ’23. At a 24% tax rate you’re still taking 139k, 148k, and 156k respectively. Inflation was about 40-50% in that period of time, so it matches pretty well.</p> 882</div> 883 884 <div class="reply"> 885 </div><!-- .reply --> 886 </div><!-- #comment-## --> 887 888 </li><!-- #comment-## --> 889</ul><!-- .children --> 890</li><!-- #comment-## --> 891</ul><!-- .children --> 892</li><!-- #comment-## --> 893 <li class="comment even thread-odd thread-alt depth-1" id="li-comment-31724"> 894 <div id="comment-31724"> 895 <div class="comment-author vcard"> 896 <img referrerpolicy="no-referrer" alt='DC's avatar' src='https://0.gravatar.com/avatar/ce48b76260452bc3628ba71b07f7c2112bcc148229c4dc4bbf0606ffd574eda6?s=40&d=identicon&r=G' srcset='https://0.gravatar.com/avatar/ce48b76260452bc3628ba71b07f7c2112bcc148229c4dc4bbf0606ffd574eda6?s=40&d=identicon&r=G 1x, https://0.gravatar.com/avatar/ce48b76260452bc3628ba71b07f7c2112bcc148229c4dc4bbf0606ffd574eda6?s=60&d=identicon&r=G 1.5x, https://0.gravatar.com/avatar/ce48b76260452bc3628ba71b07f7c2112bcc148229c4dc4bbf0606ffd574eda6?s=80&d=identicon&r=G 2x, https://0.gravatar.com/avatar/ce48b76260452bc3628ba71b07f7c2112bcc148229c4dc4bbf0606ffd574eda6?s=120&d=identicon&r=G 3x, https://0.gravatar.com/avatar/ce48b76260452bc3628ba71b07f7c2112bcc148229c4dc4bbf0606ffd574eda6?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">DC</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 897 898 899 900 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-31724"> 901 April 28, 2023 at 10:33 am</a> </div><!-- .comment-meta .commentmetadata --> 902 903 <div class="comment-body"><p>I do not want to steal the fire, but 0.9% baby!!</p> 904</div> 905 906 <div class="reply"> 907 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=31724#respond" data-commentid="31724" data-postid="2291" data-belowelement="comment-31724" data-respondelement="respond" data-replyto="Reply to DC" aria-label="Reply to DC">Reply</a> </div><!-- .reply --> 908 </div><!-- #comment-## --> 909 910 </li><!-- #comment-## --> 911 <li class="post pingback"> 912 <p>Pingback: <a href="https://keilfp.com/blogpodcast/when-to-cash-out-i-bonds/" class="url" rel="ugc external nofollow">When Should I Cash Out My I Bonds? | Keil Financial Partners</a></p> 913 </li><!-- #comment-## --> 914 <li class="comment odd alt thread-even depth-1" id="li-comment-29669"> 915 <div id="comment-29669"> 916 <div class="comment-author vcard"> 917 <img referrerpolicy="no-referrer" alt='Kai's avatar' src='https://0.gravatar.com/avatar/0f3e588b6ba9a2ea3fcf189b22c616e55cacf84cd52b7b7bc340a91abdd540ba?s=40&d=identicon&r=G' srcset='https://0.gravatar.com/avatar/0f3e588b6ba9a2ea3fcf189b22c616e55cacf84cd52b7b7bc340a91abdd540ba?s=40&d=identicon&r=G 1x, https://0.gravatar.com/avatar/0f3e588b6ba9a2ea3fcf189b22c616e55cacf84cd52b7b7bc340a91abdd540ba?s=60&d=identicon&r=G 1.5x, https://0.gravatar.com/avatar/0f3e588b6ba9a2ea3fcf189b22c616e55cacf84cd52b7b7bc340a91abdd540ba?s=80&d=identicon&r=G 2x, https://0.gravatar.com/avatar/0f3e588b6ba9a2ea3fcf189b22c616e55cacf84cd52b7b7bc340a91abdd540ba?s=120&d=identicon&r=G 3x, https://0.gravatar.com/avatar/0f3e588b6ba9a2ea3fcf189b22c616e55cacf84cd52b7b7bc340a91abdd540ba?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Kai</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 918 919 920 921 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-29669"> 922 February 14, 2023 at 8:55 am</a> </div><!-- .comment-meta .commentmetadata --> 923 924 <div class="comment-body"><p>I notice that you have .8 as the CPI for January but BLS reported .5. I also saw recently that the last 3 months CPIs were adjusted up from what was initially reported. So does the .8 figure account for those corrections along with the current January figure or am I missing something else?</p> 925</div> 926 927 <div class="reply"> 928 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=29669#respond" data-commentid="29669" data-postid="2291" data-belowelement="comment-29669" data-respondelement="respond" data-replyto="Reply to Kai" aria-label="Reply to Kai">Reply</a> </div><!-- .reply --> 929 </div><!-- #comment-## --> 930 931 <ul class="children"> 932 <li class="comment byuser comment-author-tipswatch bypostauthor even depth-2" id="li-comment-29671"> 933 <div id="comment-29671"> 934 <div class="comment-author vcard"> 935 <img referrerpolicy="no-referrer" alt='Tipswatch's avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn"><a href="http://www.tipswatch.com" class="url" rel="ugc external nofollow">Tipswatch</a></cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 936 937 938 939 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-29671"> 940 February 14, 2023 at 9:42 am</a> </div><!-- .comment-meta .commentmetadata --> 941 942 <div class="comment-body"><p>
942The 0.8% is for non-seasonally adjusted inflation. The headline number of 0.5% is seasonally adjusted. These number balance out over a year. The CPI adjustments were for seasonally adjusted inflation and didn’t affect non-seasonal adjusted.</p> 943</div> 944 945 <div class="reply"> 946 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=29671#respond" data-commentid="29671" data-postid="2291" data-belowelement="comment-29671" data-respondelement="respond" data-replyto="Reply to Tipswatch" aria-label="Reply to Tipswatch">Reply</a> </div><!-- .reply --> 947 </div><!-- #comment-## --> 948 949 <ul class="children"> 950 <li class="comment odd alt depth-3" id="li-comment-32574"> 951 <div id="comment-32574"> 952 <div class="comment-author vcard"> 953 <img referrerpolicy="no-referrer" alt='Steven P's avatar' src='https://1.gravatar.com/avatar/79f3864e7000ef653f766669e83a05e442d48601116965aedfdb6272caa07797?s=40&d=identicon&r=G' srcset='https://1.gravatar.com/avatar/79f3864e7000ef653f766669e83a05e442d48601116965aedfdb6272caa07797?s=40&d=identicon&r=G 1x, https://1.gravatar.com/avatar/79f3864e7000ef653f766669e83a05e442d48601116965aedfdb6272caa07797?s=60&d=identicon&r=G 1.5x, https://1.gravatar.com/avatar/79f3864e7000ef653f766669e83a05e442d48601116965aedfdb6272caa07797?s=80&d=identicon&r=G 2x, https://1.gravatar.com/avatar/79f3864e7000ef653f766669e83a05e442d48601116965aedfdb6272caa07797?s=120&d=identicon&r=G 3x, https://1.gravatar.com/avatar/79f3864e7000ef653f766669e83a05e442d48601116965aedfdb6272caa07797?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn"><a href="https://tipswatch.com" class="url" rel="ugc">Steven P</a></cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 954 955 956 957 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-32574"> 958 June 13, 2023 at 1:38 pm</a> </div><!-- .comment-meta .commentmetadata --> 959 960 <div class="comment-body"><p>The Cleveland Fed Nowcasting had been predicting 0.19% for May and the current MTD June figure is 0.42%. Is this forecasting Seasonally Adjusted or Non-Seasonally Adjusted?</p> 961</div> 962 963 <div class="reply"> 964 </div><!-- .reply --> 965 </div><!-- #comment-## --> 966 967 </li><!-- #comment-## --> 968 <li class="comment byuser comment-author-tipswatch bypostauthor even depth-3" id="li-comment-32578"> 969 <div id="comment-32578"> 970 <div class="comment-author vcard"> 971 <img referrerpolicy="no-referrer" alt='Tipswatch's avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn"><a href="http://www.tipswatch.com" class="url" rel="ugc external nofollow">Tipswatch</a></cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 972 973 974 975 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-32578"> 976 June 13, 2023 at 3:42 pm</a> </div><!-- .comment-meta .commentmetadata --> 977 978 <div class="comment-body"><p>These nowcasting projections are good for seeing a trend, but not super accurate month to month. It is projecting seasonally adjusted
978inflation. </p> 979</div> 980 981 <div class="reply"> 982 </div><!-- .reply --> 983 </div><!-- #comment-## --> 984 985 </li><!-- #comment-## --> 986</ul><!-- .children --> 987</li><!-- #comment-## --> 988</ul><!-- .children --> 989</li><!-- #comment-## --> 990 <li class="comment odd alt thread-odd thread-alt depth-1" id="li-comment-29171"> 991 <div id="comment-29171"> 992 <div class="comment-author vcard"> 993 <img referrerpolicy="no-referrer" alt='Bill's avatar' src='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&d=identicon&r=G' srcset='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&d=identicon&r=G 1x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=60&d=identicon&r=G 1.5x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=80&d=identicon&r=G 2x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=120&d=identicon&r=G 3x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Bill</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 994 995 996 997 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-29171"> 998 January 19, 2023 at 3:40 pm</a> </div><!-- .comment-meta .commentmetadata --> 999 1000 <div class="comment-body"><p>Default talk for US government debt again rears its head.</p> 1001<p>Just wondering, worst case, how this could affect my I Bond holdings? Could I lose what I hold? Hope not, but while I realize that whatever value I have would not drop if we suffered deflation, I don’t have a clue about what effect a default would have…</p> 1002</div> 1003 1004 <div class="reply"> 1005 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=29171#respond" data-commentid="29171" data-postid="2291" data-belowelement="comment-29171" data-respondelement="respond" data-replyto="Reply to Bill" aria-label="Reply to Bill">Reply</a> </div><!-- .reply --> 1006 </div><!-- #comment-## --> 1007 1008 <ul class="children"> 1009 <li class="comment byuser comment-author-tipswatch bypostauthor even depth-2" id="li-comment-29172"> 1010 <div id="comment-29172"> 1011 <div class="comment-author vcard"> 1012 <img referrerpolicy="no-referrer" alt='Tipswatch's avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn"><a href="http://www.tipswatch.com" class="url" rel="ugc external nofollow">Tipswatch</a></cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1013 1014 1015 1016 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-29172"> 1017 January 19, 2023 at 3:55 pm</a> </div><!-- .comment-meta .commentmetadata --> 1018 1019 <div class="comment-body"><p>I am assuming all of the effects of this crisis will be short term, and your I Bond holdings won’t be affected at all. </p> 1020</div> 1021 1022 <div class="reply"> 1023 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=29172#respond" data-commentid="29172" data-postid="2291" data-belowelement="comment-29172" data-respondelement="respond" data-replyto="Reply to Tipswatch" aria-label="Reply to Tipswatch">Reply</a> </div><!-- .reply --> 1024 </div><!-- #comment-## --> 1025 1026 <ul class="children"> 1027 <li class="comment odd alt depth-3" id="li-comment-29220"> 1028 <div id="comment-29220"> 1029 <div class="comment-author vcard"> 1030 <img referrerpolicy="no-referrer" alt='Bill'
1030s avatar' src='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&d=identicon&r=G' srcset='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&d=identicon&r=G 1x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=60&d=identicon&r=G 1.5x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=80&d=identicon&r=G 2x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=120&d=identicon&r=G 3x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Bill</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1031 1032 1033 1034 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-29220"> 1035 January 21, 2023 at 3:33 pm</a> </div><!-- .comment-meta .commentmetadata --> 1036 1037 <div class="comment-body"><p>I just wonder if there is a “pecking order” for government bonds if there would be a default. Granted this is likely just an academic question…but would I Bonds be safer than TIPS, for example?</p> 1038</div> 1039 1040 <div class="reply"> 1041 </div><!-- .reply --> 1042 </div><!-- #comment-## --> 1043 1044 </li><!-- #comment-## --> 1045 <li class="comment byuser comment-author-tipswatch bypostauthor even depth-3" id="li-comment-29224"> 1046 <div id="comment-29224"> 1047 <div class="comment-author vcard"> 1048 <img referrerpolicy="no-referrer" alt='Tipswatch's avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn"><a href="http://www.tipswatch.com" class="url" rel="ugc external nofollow">Tipswatch</a></cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1049 1050 1051 1052 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-29224"> 1053 January 21, 2023 at 10:43 pm</a> </div><!-- .comment-meta .commentmetadata --> 1054 1055 <div class="comment-body"><p>Interesting thing about I Bonds is that they actually pay no interest until they are redeemed, so only I Bonds that are being redeemed would potentially be affected by the debt limit crisis. I am sure when it is all resolved, all earnings for I Bonds and TIPS will be made whole.</p> 1056</div> 1057 1058 <div class="reply"> 1059 </div><!-- .reply --> 1060 </div><!-- #comment-## --> 1061 1062 </li><!-- #comment-## --> 1063 <li class="comment odd alt depth-3" id="li-comment-30052"> 1064 <div id="comment-30052"> 1065 <div class="comment-author vcard"> 1066 <img referrerpolicy="no-referrer" alt='John Endicott's avatar' src='https://1.gravatar.com/avatar/1c50b2ab29022217c2e3fe0f1adf2287d83f7cf6ae00308b997d5a1579fb2c85?s=40&d=identicon&r=G' srcset='https://1.gravatar.com/avatar/1c50b2ab29022217c2e3fe0f1adf2287d83f7cf6ae00308b997d5a1579fb2c85?s=40&d=identicon&r=G 1x, https://1.gravatar.com/avatar/1c50b2ab29022217c2e3fe0f1adf2287d83f7cf6ae00308b997d5a1579fb2c85?s=60&d=identicon&r=G 1.5x, https://1.gravatar.com/avatar/1c50b2ab29022217c2e3fe0f1adf2287d83f7cf6
1066ae00308b997d5a1579fb2c85?s=80&d=identicon&r=G 2x, https://1.gravatar.com/avatar/1c50b2ab29022217c2e3fe0f1adf2287d83f7cf6ae00308b997d5a1579fb2c85?s=120&d=identicon&r=G 3x, https://1.gravatar.com/avatar/1c50b2ab29022217c2e3fe0f1adf2287d83f7cf6ae00308b997d5a1579fb2c85?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">John Endicott</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1067 1068 1069 1070 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-30052"> 1071 March 1, 2023 at 1:25 pm</a> </div><!-- .comment-meta .commentmetadata --> 1072 1073 <div class="comment-body"><p>Good point. Which is fine for any ibond that one was considering redeeming before maturity (simply “wait it out” instead of trying to redeem during any, hopefully brief, default period.) </p> 1074<p>However, what about ibonds that unfortunately happen to reach maturity (upon which Treasury Direct, under normal circumstances, would automatically redeem for you) during that hopefully brief default window? </p> 1075<p>Obviously. you aren’t going to be able to collect during a default. I would hope TD would suspend auto redemptions (and probably *all* redemptions, not just the ones that are automatically triggered at maturity) rather than default on the redemptions during the default period and then let any delayed redemptions happen upon the resolution of the default.</p> 1076</div> 1077 1078 <div class="reply"> 1079 </div><!-- .reply --> 1080 </div><!-- #comment-## --> 1081 1082 </li><!-- #comment-## --> 1083</ul><!-- .children --> 1084</li><!-- #comment-## --> 1085 <li class="comment byuser comment-author-tipswatch bypostauthor even depth-2" id="li-comment-30053"> 1086 <div id="comment-30053"> 1087 <div class="comment-author vcard"> 1088 <img referrerpolicy="no-referrer" alt='Tipswatch's avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn"><a href="http://www.tipswatch.com" class="url" rel="ugc external nofollow">Tipswatch</a></cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1089 1090 1091 1092 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-30053"> 1093 March 1, 2023 at 2:10 pm</a> </div><!-- .comment-meta .commentmetadata --> 1094 1095 <div class="comment-body"><p>John, the first I Bonds were issued in 1998, so there will be no maturities until 2028. Maturities won’t be a problem, at least for I Bonds. Other Treasurys could see disruptions.</p> 1096</div> 1097 1098 <div class="reply"> 1099 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=30053#respond" data-commentid="30053" data-postid="2291" data-belowelement="comment-30053" data-respondelement="respond" data-replyto="Reply to Tipswatch" aria-label="Reply to Tipswatch">Reply</a> </div><!-- .reply --> 1100 </div><!-- #comment-## --> 1101 1102 </li><!-- #comment-## --> 1103</ul><!-- .children --> 1104</li><!-- #comment-## --> 1105 <li class="comment odd alt thread-even depth-1" id="li-comment-27946"> 1106 <div id="comment-27946"> 1107 <div class="comment-author vcard"> 1108 <img referrerpolicy="no-referrer" alt='Anthony's avatar' src='https://1.gravatar.com/avatar/480b75da19be37a44f3995cfcf00dac42a30d9919daf6731cb1dba2093609d55?s=40&d=identicon&r=G' srcset='https://1.gravatar.com/avatar/480b75da19be37a44f3995cfcf00dac42a30d9919daf6731cb1dba2093609d55?s=40&d=identicon&r=G 1x, https://1.gravatar.com/avatar/480b75da19be37a44f3995cfcf00dac42a30d9919daf6731cb1dba2093609d55?s=60&d=identicon&r=G 1.5x, https://1.gravatar.com/avatar/480b75da19be37a44f3995cfcf00dac42a30d9919daf6731cb1dba2093609d55?s=80&d=identicon&r=G 2x, https://1.gravatar.com/avatar/480b75da19be37a44f3995cfcf00dac42a30d9919daf6731cb1dba2093609d55?s=120&d=identicon&r=G 3x, https://1.gravatar.com/avatar/480b75da19be37a44f3995cfcf00dac42a30d9919daf6731cb1dba2093609d55?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Anthony</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1109 1110 1111 1112 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-27946"> 1113 December 14, 2022 at 3:20 pm</a> </div><!-- .comment-meta .commentmetadata --> 1114 1115 <div class="comment-body"><p>Can the I bond variable rate be negative and if so would you loose money?</p> 1116</div> 1117 1118 <div class="reply"> 1119 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=27946#respond" data-commentid="27946" data-postid="2291" data-belowelement="comment-27946" data-respondelement="respond" data-replyto="Reply to Anthony" aria-label="Reply to Anthony">Reply</a> </div><!-- .reply --> 1120 </div><!-- #comment-## --> 1121 1122 <ul class="children"> 1123 <li class="comment byuser comment-author-tipswatch bypostauthor even depth-2" id="li-comment-27948"> 1124 <div id="comment-27948"> 1125 <div class="comment-author vcard"> 1126 <img referrerpolicy="no-referrer" alt='Tipswatch's avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn"><a href="http://www.tipswatch.com" class="url" rel="ugc external nofollow">Tipswatch</a></cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1127 1128 1129 1130 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-27948"> 1131 December 14, 2022 at 3:26 pm</a> </div><!-- .comment-meta .commentmetadata --> 1132 1133 <div class="comment-body"><p>Yes, the I Bond variable rate can be negative. The last time that happened was in the six-month period beginning in Sept 2014, with a variable rate of -1.60%. A negative variable rate will wipe out any fixed rate up to that amount, but the resulting composite rate can never drop below 0.0%. So you would not lose money.</p> 1134</div> 1135 1136 <div class="reply"> 1137 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=27948#respond" data-commentid="27948" data-postid="2291" data-belowelement="comment-27948" data-respondelement="respond" data-replyto="Reply to Tipswatch" aria-label="Reply to Tipswatch">Reply</a> </div><!-- .reply --> 1138 </div><!-- #comment-## --> 1139 1140 </li><!-- #comment-## --> 1141</ul><!-- .children --> 1142</li><!-- #comment-## --> 1143 <li class="comment odd alt thread-odd thread-alt depth-1" id="li-comment-26793"> 1144 <div id="comment-26793"> 1145 <div class="comment-author vcard"> 1146 <img referrerpolicy="no-referrer" alt='Bill'
1146s avatar' src='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&d=identicon&r=G' srcset='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&d=identicon&r=G 1x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=60&d=identicon&r=G 1.5x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=80&d=identicon&r=G 2x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=120&d=identicon&r=G 3x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Bill</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1147 1148 1149 1150 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-26793"> 1151 October 29, 2022 at 2:48 pm</a> </div><!-- .comment-meta .commentmetadata --> 1152 1153 <div class="comment-body"><p>A negative percent I Bond fixed rate? What are the chances?</p> 1154<p>Have not seen this possibility mentioned anywhere, but in the current environment could it be possible? Seems like it could be…</p> 1155</div> 1156 1157 <div class="reply"> 1158 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=26793#respond" data-commentid="26793" data-postid="2291" data-belowelement="comment-26793" data-respondelement="respond" data-replyto="Reply to Bill" aria-label="Reply to Bill">Reply</a> </div><!-- .reply --> 1159 </div><!-- #comment-## --> 1160 1161 <ul class="children"> 1162 <li class="comment byuser comment-author-tipswatch bypostauthor even depth-2" id="li-comment-26794"> 1163 <div id="comment-26794"> 1164 <div class="comment-author vcard"> 1165 <img referrerpolicy="no-referrer" alt='Tipswatch's avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn"><a href="http://www.tipswatch.com" class="url" rel="ugc external nofollow">Tipswatch</a></cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1166 1167 1168 1169 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-26794"> 1170 October 29, 2022 at 3:14 pm</a> </div><!-- .comment-meta .commentmetadata --> 1171 1172 <div class="comment-body"><p>Under current federal regulations, the fixed rate cannot be lower than 0.0%.</p> 1173</div> 1174 1175 <div class="reply"> 1176 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=26794#respond" data-commentid="26794" data-postid="2291" data-belowelement="comment-26794" data-respondelement="respond" data-replyto="Reply to Tipswatch" aria-label="Reply to Tipswatch">Reply</a> </div><!-- .reply --> 1177 </div><!-- #comment-## --> 1178 1179 <ul class="children"> 1180 <li class="comment odd alt depth-3" id="li-comment-26795"> 1181 <div id="comment-26795"> 1182 <div class="comment-author vcard"> 1183 <img referrerpolicy="no-referrer" alt='Bill'
1183s avatar' src='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&d=identicon&r=G' srcset='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&d=identicon&r=G 1x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=60&d=identicon&r=G 1.5x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=80&d=identicon&r=G 2x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=120&d=identicon&r=G 3x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Bill</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1184 1185 1186 1187 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-26795"> 1188 October 29, 2022 at 3:17 pm</a> </div><!-- .comment-meta .commentmetadata --> 1189 1190 <div class="comment-body"><p>Interesting. I did not know that…thanks for the answer!</p> 1191</div> 1192 1193 <div class="reply"> 1194 </div><!-- .reply --> 1195 </div><!-- #comment-## --> 1196 1197 </li><!-- #comment-## --> 1198</ul><!-- .children --> 1199</li><!-- #comment-## --> 1200</ul><!-- .children --> 1201</li><!-- #comment-## --> 1202 <li class="comment even thread-even depth-1" id="li-comment-26489"> 1203 <div id="comment-26489"> 1204 <div class="comment-author vcard"> 1205 <img referrerpolicy="no-referrer" alt='William's avatar' src='https://0.gravatar.com/avatar/6f9ee0b49feb730fd525405461178d5e20dca9725dfc0f18bff630e1ca271e93?s=40&d=identicon&r=G' srcset='https://0.gravatar.com/avatar/6f9ee0b49feb730fd525405461178d5e20dca9725dfc0f18bff630e1ca271e93?s=40&d=identicon&r=G 1x, https://0.gravatar.com/avatar/6f9ee0b49feb730fd525405461178d5e20dca9725dfc0f18bff630e1ca271e93?s=60&d=identicon&r=G 1.5x, https://0.gravatar.com/avatar/6f9ee0b49feb730fd525405461178d5e20dca9725dfc0f18bff630e1ca271e93?s=80&d=identicon&r=G 2x, https://0.gravatar.com/avatar/6f9ee0b49feb730fd525405461178d5e20dca9725dfc0f18bff630e1ca271e93?s=120&d=identicon&r=G 3x, https://0.gravatar.com/avatar/6f9ee0b49feb730fd525405461178d5e20dca9725dfc0f18bff630e1ca271e93?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">William</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1206 1207 1208 1209 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-26489"> 1210 October 24, 2022 at 6:58 pm</a> </div><!-- .comment-meta .commentmetadata --> 1211 1212 <div class="comment-body"><p>The variable rate is said to track inflation rate. Why the inflation rate has increased substantially in the recent several months (and that’s why the Fed hiked the base rate aggressively from 0.5 in May to 3.25-3.50 in September), but the variable rate would drop dramatically from the current 9.62% to 6.48% (from November 2022 to April 2023)?<br /> 1213I’ve noticed the “6 month %” change is 3.24. Should the change be on top of the prior variable rate set in May? Would it simply be against common sense that the inflation rate has increased and currently is very high, the Fed base rate has increased, the T-bill rates have increased, but the I-bond variable rate would drop, dramatically?</p> 1214</div> 1215 1216 <div class="reply"> 1217 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=26489#respond" data-commentid="26489" data-postid="2291" data-belowelement="comment-26489" data-respondelement="respond" data-replyto="Reply to William" aria-label="Reply to William">Reply</a> </div><!-- .reply --> 1218 </div><!-- #comment-## --> 1219 1220 <ul class="children"> 1221 <li class="comment byuser comment-author-tipswatch bypostauthor odd alt depth-2" id="li-comment-26492"> 1222 <div id="comment-26492"> 1223 <div class="comment-author vcard"> 1224 <img referrerpolicy="no-referrer" alt='Tipswatch's avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn"><a href="http://www.tipswatch.com" class="url" rel="ugc external nofollow">Tipswatch</a></cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1225 1226 1227 1228 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-26492"> 1229 October 24, 2022 at 9:03 pm</a> </div><!-- .comment-meta .commentmetadata --> 1230 1231 <div class="comment-body"><p>The I Bond variable rate is set based on six-month periods of inflation — April to September, and October to March. So the current I Bond variable rate always reflects 6 months of prior inflation. But think about this. The last variable rate was 9.62%, and yet AT NO TIME did annual U.S. inflation run higher than 9.1% over the last two years. Now the new variable rate will be 6.48%. If you bought an I Bond with the 9.62% rate and then got 6.48%, you’d get a compounded rate of return of about 8.21%. The current rate of U.S. inflation is 8.2%. It won’t always work out that accurately month by month, but I Bonds over time accurately track U.S. inflation.</p> 1232</div> 1233 1234 <div class="reply"> 1235 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=26492#respond" data-commentid="26492" data-postid="2291" data-belowelement="comment-26492" data-respondelement="respond" data-replyto="Reply to Tipswatch" aria-label="Reply to Tipswatch">Reply</a> </div><!-- .reply --> 1236 </div><!-- #comment-## --> 1237 1238 <ul class="children"> 1239 <li class="comment even depth-3" id="li-comment-26495"> 1240 <div id="comment-26495"> 1241 <div class="comment-author vcard"> 1242 <img referrerpolicy="no-referrer" alt='William's avatar' src='https://0.gravatar.com/avatar/6f9ee0b49feb730fd525405461178d5e20dca9725dfc0f18bff630e1ca271e93?s=40&d=identicon&r=G' srcset='https://0.gravatar.com/avatar/6f9ee0b49feb730fd525405461178d5e20dca9725dfc0f18bff630e1ca271e93?s=40&d=identicon&r=G 1x, https://0.gravatar.com/avatar/6f9ee0b49feb730fd525405461178d5e20dca9725dfc0f18bff630e1ca271e93?s=60&d=identicon&r=G 1.5x, https://0.gravatar.com/avatar/6f9ee0b49feb730fd525405461178d5e20dca9725dfc0f18bff630e1ca271e93?s=80&d=identicon&r=G 2x, https://0.gravatar.com/avatar/6f9ee0b49feb730fd525405461178d5e20dca9725dfc0f18bff630e1ca271e93?s=120&d=identicon&r=G 3x, https://0.gravatar.com/avatar/6f9ee0b49feb730fd525405461178d5e20dca9725dfc0f18bff630e1ca271e93?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">William</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1243 1244 1245 1246 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-26495"> 1247 October 25, 2022 at 12:49 am</a> </div><!-- .comment-meta .commentmetadata --> 1248 1249 <div class="comment-body"><p>The question was how about buy the bond on November 1, without the prior much higher rates in an average? What would be the inflation rate on November 1 and in the next six month then? If the composite interest rate is set below, let alone far below the real inflation rate at the time, it cannot be called inflation-protected as alleged by the Treasury. If the Treasury talks about 10 years, 20 years or 30 years, it might be a different story. But I wonder what the percentage of buyers would hold the bond that long? It would be interesting to know some study showing that the composite interest rate has never below the real inflation rate in any given 5 years since its inception.</p> 1250</div> 1251 1252 <div class="reply"> 1253 </div><!-- .reply --> 1254 </div><!-- #comment-## --> 1255 1256 </li><!-- #comment-## --> 1257 <li class="comment odd alt depth-3" id="li-comment-29789"> 1258 <div id="comment-29789"> 1259 <div class="comment-author vcard"> 1260 <img referrerpolicy="no-referrer" alt='TJ's avatar' src='https://2.gravatar.com/avatar/e79e67f3565b04c142f25ff1e20e3ae0f3259515b729b13777da88d6e2502bcd?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/e79e67f3565b04c142f25ff1e20e3ae0f3259515b729b13777da88d6e2502bcd?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/e79e67f3565b04c142f25ff1e20e3ae0f3259515b729b13777da88d6e2502bcd?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/e79e67f3565b04c142f25ff1e20e3ae0f3259515b729b13777da88d6e2502bcd?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/e79e67f3565b04c142f25ff1e20e3ae0f3259515b729b13777da88d6e2502bcd?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/e79e67f3565b04c142f25ff1e20e3ae0f3259515b729b13777da88d6e2502bcd?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">TJ</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1261 1262 1263 1264 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-29789"> 1265 February 18, 2023 at 8:38 am</a> </div><!-- .comment-meta .commentmetadata --> 1266 1267 <div class="comment-body"><p>I see it similarly. To me, the i-bond is best when inflation is increasing and even better if increasing rapidly. However, once it peaks or moderates, the i-bond floating calculation could result in a
1267negative or zero %, even if inflation is at a really high level. It becomes the rate of change, not just the level of inflation. You can see that currently … based on Jan 2023s inflation index, the floating rate component compared to Sept2022, would yield ~1.6% (change between 299.17 and 296.808, annualized). A significant drop from the prior 6.48%, even though inflation still is high. Probably the worst time to make an initial purchase is at the top of an infl cycle ? I agree with the comment that if you had owned them for a historically long time, you’d probably earn something near the rate of inflation. But many folks just jumped in when the rates started getting much higher than other fixed income instruments. Am I seeing this correctly?</p> 1268</div> 1269 1270 <div class="reply"> 1271 </div><!-- .reply --> 1272 </div><!-- #comment-## --> 1273 1274 </li><!-- #comment-## --> 1275 <li class="comment byuser comment-author-knownhardly even depth-3" id="li-comment-32221"> 1276 <div id="comment-32221"> 1277 <div class="comment-author vcard"> 1278 <img referrerpolicy="no-referrer" alt='knownhardly's avatar' src='https://1.gravatar.com/avatar/d635fdb23fe34e262970e8e54b11525c18d944a6809e25cbfd7863b430ccd20b?s=40&d=identicon&r=G' srcset='https://1.gravatar.com/avatar/d635fdb23fe34e262970e8e54b11525c18d944a6809e25cbfd7863b430ccd20b?s=40&d=identicon&r=G 1x, https://1.gravatar.com/avatar/d635fdb23fe34e262970e8e54b11525c18d944a6809e25cbfd7863b430ccd20b?s=60&d=identicon&r=G 1.5x, https://1.gravatar.com/avatar/d635fdb23fe34e262970e8e54b11525c18d944a6809e25cbfd7863b430ccd20b?s=80&d=identicon&r=G 2x, https://1.gravatar.com/avatar/d635fdb23fe34e262970e8e54b11525c18d944a6809e25cbfd7863b430ccd20b?s=120&d=identicon&r=G 3x, https://1.gravatar.com/avatar/d635fdb23fe34e262970e8e54b11525c18d944a6809e25cbfd7863b430ccd20b?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">knownhardly</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1279 1280 1281 1282 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-32221"> 1283 May 19, 2023 at 8:05 pm</a> </div><!-- .comment-meta .commentmetadata --> 1284 1285 <div class="comment-body"><p>Iâm one of those buyers. I have bought since 1998 and held them-some with fixed rates higher than 3%.</p> 1286</div> 1287 1288 <div class="reply"> 1289 </div><!-- .reply --> 1290 </div><!-- #comment-## --> 1291 1292 </li><!-- #comment-## --> 1293</ul><!-- .children --> 1294</li><!-- #comment-## --> 1295 <li class="comment byuser comment-author-tipswatch bypostauthor odd alt depth-2" id="li-comment-29790"> 1296 <div id="comment-29790"> 1297 <div class="comment-author vcard"> 1298 <img referrerpolicy="no-referrer" alt='Tipswatch's avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn"><a href="http://www.tipswatch.com" class="url" rel="ugc external nofollow">Tipswatch</a></cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1299 1300 1301 1302 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-29790"> 1303 February 18, 2023 at 9:19 am</a> </div><!-- .comment-meta .commentmetadata --> 1304 1305 <div class="comment-body"><p>TJ, if you plan to be a long-term holder, there is no bad time to buy an I Bond. Short
1305-term investors jump in when the variable rate is high, as it is now, and that is fine. Long-term investors are planning for a future time when inflation potentially and surprisingly soars (just as it did in the last two years). An I Bond does accurately track or exceed U.S. inflation. Plus the interest is tax-deferred, and the maturity is flexible, so you can choose when to redeem and pay taxes.</p> 1306</div> 1307 1308 <div class="reply"> 1309 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=29790#respond" data-commentid="29790" data-postid="2291" data-belowelement="comment-29790" data-respondelement="respond" data-replyto="Reply to Tipswatch" aria-label="Reply to Tipswatch">Reply</a> </div><!-- .reply --> 1310 </div><!-- #comment-## --> 1311 1312 </li><!-- #comment-## --> 1313</ul><!-- .children --> 1314</li><!-- #comment-## --> 1315 <li class="comment byuser comment-author-megahugro even thread-odd thread-alt depth-1" id="li-comment-26049"> 1316 <div id="comment-26049"> 1317 <div class="comment-author vcard"> 1318 <img referrerpolicy="no-referrer" alt='mega hugro's avatar' src='https://1.gravatar.com/avatar/1627b24dc4f0b186144842fa8e81da495ffef7fad25ca652601abfc63b42ddf2?s=40&d=identicon&r=G' srcset='https://1.gravatar.com/avatar/1627b24dc4f0b186144842fa8e81da495ffef7fad25ca652601abfc63b42ddf2?s=40&d=identicon&r=G 1x, https://1.gravatar.com/avatar/1627b24dc4f0b186144842fa8e81da495ffef7fad25ca652601abfc63b42ddf2?s=60&d=identicon&r=G 1.5x, https://1.gravatar.com/avatar/1627b24dc4f0b186144842fa8e81da495ffef7fad25ca652601abfc63b42ddf2?s=80&d=identicon&r=G 2x, https://1.gravatar.com/avatar/1627b24dc4f0b186144842fa8e81da495ffef7fad25ca652601abfc63b42ddf2?s=120&d=identicon&r=G 3x, https://1.gravatar.com/avatar/1627b24dc4f0b186144842fa8e81da495ffef7fad25ca652601abfc63b42ddf2?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">mega hugro</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1319 1320 1321 1322 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-26049"> 1323 October 15, 2022 at 3:25 pm</a> </div><!-- .comment-meta .commentmetadata --> 1324 1325 <div class="comment-body"><p>Simply the best blog on this topic on the web.<br /> 1326Check my math, but my numbers show an ROI of 6.51% if I buy an I-Bond at the end of October and sell it in one year including the 3-month penalty. Now it could be a bit better than that if I can sell it at the beginning of October 2023 instead of waiting till November 1, 2023, since I am allocating the cash at the end of this October. Any way I skin it the results look good whether I sell or hold long.</p> 1327</div> 1328 1329 <div class="reply"> 1330 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=26049#respond" data-commentid="26049" data-postid="2291" data-belowelement="comment-26049" data-respondelement="respond" data-replyto="Reply to mega hugro" aria-label="Reply to mega hugro">Reply</a> </div><!-- .reply --> 1331 </div><!-- #comment-## --> 1332 1333 <ul class="children"> 1334 <li class="comment byuser comment-author-tipswatch bypostauthor odd alt depth-2" id="li-comment-26054"> 1335 <div id="comment-26054"> 1336 <div class="comment-author vcard"> 1337 <img referrerpolicy="no-referrer" alt='Tipswatch's avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn"><a href="http://www.tipswatch.com" class="url" rel="ugc external nofollow">Tipswatch</a></cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1338 1339 1340 1341 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-26054"> 1342 October 15, 2022 at 6:15 pm</a> </div><!-- .comment-meta .commentmetadata --> 1343 1344 <div class="comment-body"><p>My rough estimate would be 6.43% without compounding. So your estimate looks good.</p> 1345</div> 1346 1347 <div class="reply"> 1348 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=26054#respond" data-commentid="26054" data-postid="2291" data-belowelement="comment-26054" data-respondelement="respond" data-replyto="Reply to Tipswatch" aria-label="Reply to Tipswatch">Reply</a> </div><!-- .reply --> 1349 </div><!-- #comment-## --> 1350 1351 </li><!-- #comment-## --> 1352</ul><!-- .children --> 1353</li><!-- #comment-## --> 1354 <li class="comment even thread-even depth-1" id="li-comment-25870"> 1355 <div id="comment-25870"> 1356 <div class="comment-author vcard"> 1357 <img referrerpolicy="no-referrer" alt='Nancy's avatar' src='https://1.gravatar.com/avatar/d2d872a23efb85c3990705987abdc1dc0f9946ad7b0504fd6b1d1ec4ea2d0ae8?s=40&d=identicon&r=G' srcset='https://1.gravatar.com/avatar/d2d872a23efb85c3990705987abdc1dc0f9946ad7b0504fd6b1d1ec4ea2d0ae8?s=40&d=identicon&r=G 1x, https://1.gravatar.com/avatar/d2d872a23efb85c3990705987abdc1dc0f9946ad7b0504fd6b1d1ec4ea2d0ae8?s=60&d=identicon&r=G 1.5x, https://1.gravatar.com/avatar/d2d872a23efb85c3990705987abdc1dc0f9946ad7b0504fd6b1d1ec4ea2d0ae8?s=80&d=identicon&r=G 2x, https://1.gravatar.com/avatar/d2d872a23efb85c3990705987abdc1dc0f9946ad7b0504fd6b1d1ec4ea2d0ae8?s=120&d=identicon&r=G 3x, https://1.gravatar.com/avatar/d2d872a23efb85c3990705987abdc1dc0f9946ad7b0504fd6b1d1ec4ea2d0ae8?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Nancy</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1358 1359 1360 1361 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-25870"> 1362 October 14, 2022 at 8:58 am</a> </div><!-- .comment-meta .commentmetadata --> 1363 1364 <div class="comment-body"><p>Hi. I bought iBonds for the first time in April 2022. I think the 9.62% interest rate began in May 2022? I thought I’d be earning 9.62% for the first 6 months of ownership but maybe not since my purchase was in April. Could you clarify which interest rate I’ll be getting over what time period? Thanks.</p> 1365</div> 1366 1367 <div class="reply"> 1368 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=25870#respond" data-commentid="25870" data-postid="2291" data-belowelement="comment-25870" data-respondelement="respond" data-replyto="Reply to Nancy" aria-label="Reply to Nancy">Reply</a> </div><!-- .reply --> 1369 </div><!-- #comment-## --> 1370 1371 <ul class="children"> 1372 <li class="comment byuser comment-author-tipswatch bypostauthor odd alt depth-2" id="li-comment-25875"> 1373 <div id="comment-25875"> 1374 <div class="comment-author vcard"> 1375 <img referrerpolicy="no-referrer" alt='Tipswatch's avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn"><a href="http://www.tipswatch.com" class="url" rel="ugc external nofollow">Tipswatch</a></cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1376 1377 1378 1379 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-25875"> 1380 October 14, 2022 at 9:40 am</a> </div><!-- .comment-meta .commentmetadata --> 1381 1382 <div class="comment-body"><p>If you bought in April 2022, you earned 7.12% annualized for six months and are just now starting to earn 9.62% annualized for six months. Buying in April was an excellent move. After these next six months at 9.62%, beginning in April 2023 you will earn 6.48% annualized for six months. Take a look at my I Bond Q&A <a href="https://tipswatch.com/qa-on-i-bonds/" rel="ugc">https://tipswatch.com/qa-on-i-bonds/</a></p> 1383</div> 1384 1385 <div class="reply"> 1386 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=25875#respond" data-commentid="25875" data-postid="2291" data-belowelement="comment-25875" data-respondelement="respond" data-replyto="Reply to Tipswatch" aria-label="Reply to Tipswatch">Reply</a> </div><!-- .reply --> 1387 </div><!-- #comment-## --> 1388 1389 <ul class="children"> 1390 <li class="comment even depth-3" id="li-comment-25879"> 1391 <div id="comment-25879"> 1392 <div class="comment-author vcard"> 1393 <img referrerpolicy="no-referrer" alt='Nancy's avatar' src='https://1.gravatar.com/avatar/d2d872a23efb85c3990705987abdc1dc0f9946ad7b0504fd6b1d1ec4ea2d0ae8?s=40&d=identicon&r=G' srcset='https://1.gravatar.com/avatar/d2d872a23efb85c3990705987abdc1dc0f9946ad7b0504fd6b1d1ec4ea2d0ae8?s=40&d=identicon&r=G 1x, https://1.gravatar.com/avatar/d2d872a23efb85c3990705987abdc1dc0f9946ad7b0504fd6b1d1ec4ea2d0ae8?s=60&d=identicon&r=G 1.5x, https://1.gravatar.com/avatar/d2d872a23efb85c3990705987abdc1dc0f9946ad7b0504fd6b1d1ec4ea2d0ae8?s=80&d=identicon&r=G 2x, https://1.gravatar.com/avatar/d2d872a23efb85c3990705987abdc1dc0f9946ad7b0504fd6b1d1ec4ea2d0ae8?s=120&d=identicon&r=G 3x, https://1.gravatar.com/avatar/d2d872a23efb85c3990705987abdc1dc0f9946ad7b0504fd6b1d1ec4ea2d0ae8?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Nancy</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1394 1395 1396 1397 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-25879"> 1398 October 14, 2022 at 9:56 am</a> </div><!-- .comment-meta .commentmetadata --> 1399 1400 <div class="comment-body"><p>Thank you! Very helpful.</p> 1401</div> 1402 1403 <div class="reply"> 1404 </div><!-- .reply --> 1405 </div><!-- #comment-## --> 1406 1407 </li><!-- #comment-## --> 1408 <li class="comment odd alt depth-3" id="li-comment-29019"> 1409 <div id="comment-29019"> 1410 <div class="comment-author vcard"> 1411 <img referrerpolicy="no-referrer" alt='Alan Hyman's avatar' src='https://1.gravatar.com/avatar/d9a2a1c38ef528f952973fe31daf4c9ae4bd563bf793cfd43e141225685edd5f?s=40&d=identicon&r=G' srcset='https://1.gravatar.com/avatar/d9a2a1c38ef528f952973fe31daf4c9ae4bd563bf793cfd43e141225685edd5f?s=40&d=identicon&r=G 1x, https://1.gravatar.com/avatar/d9a2a1c38ef528f952973fe31daf4c9ae4bd563bf793cfd43e141225685edd5f?s=60&d=identicon&r=G 1.5x, https://1.gravatar.com/avatar/d9a2a1c38ef528f952973fe31daf4c9ae4bd563bf793cfd43e141225685edd5f?s=80&d=identicon&r=G 2x, https://1.gravatar.com/avatar/d9a2a1c38ef528f952973fe31daf4c9ae4bd563bf793cfd43e141225685edd5f?s=120&d=identicon&r=G 3x, https://1.gravatar.com/avatar/d9a2a1c38ef528f952973fe31daf4c9ae4bd563bf793cfd43e141225685edd5f?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Alan Hyman</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1412 1413 1414 1415 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-29019"> 1416 January 15, 2023 at 6:57 am</a> </div><!-- .comment-meta .commentmetadata --> 1417 1418 <div class="comment-body"><p>Nancy – Congratulations on your April 2022 purchase. 100% agreement with the annualized returns and “excellent move” comments made by Tipswatch. How are you feeling about it now?</p> 1419</div> 1420 1421 <div class="reply"> 1422 </div><!-- .reply --> 1423 </div><!-- #comment-## --> 1424 1425 </li><!-- #comment-## --> 1426 <li class="comment even depth-3" id="li-comment-26047"> 1427 <div id="comment-26047"> 1428 <div class="comment-author vcard"> 1429 <img referrerpolicy="no-referrer" alt='JC's avatar' src='https://2.gravatar.com/avatar/b06c7131d5609c48863a38741e6a2da77fff385dedf718efbdb012c97b67d7fe?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/b06c7131d5609c48863a38741e6a2da77fff385dedf718efbdb012c97b67d7fe?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/b06c7131d5609c48863a38741e6a2da77fff385dedf718efbdb012c97b67d7fe?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/b06c7131d5609c48863a38741e6a2da77fff385dedf718efbdb012c97b67d7fe?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/b06c7131d5609c48863a38741e6a2da77fff385dedf718efbdb012c97b67d7fe?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/b06c7131d5609c48863a38741e6a2da77fff385dedf718efbdb012c97b67d7fe?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">JC</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1430 1431 1432 1433 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-26047"> 1434 October 15, 2022 at 2:13 pm</a> </div><!-- .comment-meta .commentmetadata --> 1435 1436 <div class="comment-body"><p>This is not correct. You did not “earn 7.12% for six months”. You earned 3.56% for the six months. The 7.12% is an annualized rate to make it comparable to other investments, but it is not what you earn. You earn 3.56% for six months. After six months, the current value becomes principal for compounding purposes, and then you will earn 4.81% for the next six months, since 4.81 is half of 9.62.</p> 1437</div> 1438 1439 <div class="reply"> 1440 </div><!-- .reply --> 1441 </div><!-- #comment-## --> 1442 1443 </li><!-- #comment-## --> 1444 <li class="comment byuser comment-author-tipswatch bypostauthor odd alt depth-3" id="li-comment-26053"> 1445 <div id="comment-26053"> 1446 <div class="comment-author vcard"> 1447 <img referrerpolicy="no-referrer" alt='Tipswatch's avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class=
1447"fn"><a href="http://www.tipswatch.com" class="url" rel="ugc external nofollow">Tipswatch</a></cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1448 1449 1450 1451 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-26053"> 1452 October 15, 2022 at 6:07 pm</a> </div><!-- .comment-meta .commentmetadata --> 1453 1454 <div class="comment-body"><p>In these articles I almost always say âannualized.â It gets repetitive. But, if you insistâ¦</p> 1455</div> 1456 1457 <div class="reply"> 1458 </div><!-- .reply --> 1459 </div><!-- #comment-## --> 1460 1461 </li><!-- #comment-## --> 1462</ul><!-- .children --> 1463</li><!-- #comment-## --> 1464</ul><!-- .children --> 1465</li><!-- #comment-## --> 1466 <li class="comment even thread-odd thread-alt depth-1" id="li-comment-25352"> 1467 <div id="comment-25352"> 1468 <div class="comment-author vcard"> 1469 <img referrerpolicy="no-referrer" alt='Jay V.'s avatar' src='https://1.gravatar.com/avatar/4cbc1a8dcfb4a1933162af8f5715e50b83767f6fece774a54233d29f22ae8c2d?s=40&d=identicon&r=G' srcset='https://1.gravatar.com/avatar/4cbc1a8dcfb4a1933162af8f5715e50b83767f6fece774a54233d29f22ae8c2d?s=40&d=identicon&r=G 1x, https://1.gravatar.com/avatar/4cbc1a8dcfb4a1933162af8f5715e50b83767f6fece774a54233d29f22ae8c2d?s=60&d=identicon&r=G 1.5x, https://1.gravatar.com/avatar/4cbc1a8dcfb4a1933162af8f5715e50b83767f6fece774a54233d29f22ae8c2d?s=80&d=identicon&r=G 2x, https://1.gravatar.com/avatar/4cbc1a8dcfb4a1933162af8f5715e50b83767f6fece774a54233d29f22ae8c2d?s=120&d=identicon&r=G 3x, https://1.gravatar.com/avatar/4cbc1a8dcfb4a1933162af8f5715e50b83767f6fece774a54233d29f22ae8c2d?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Jay V.</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1470 1471 1472 1473 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-25352"> 1474 October 1, 2022 at 2:02 am</a> </div><!-- .comment-meta .commentmetadata --> 1475 1476 <div class="comment-body"><p>Senators Deb Fischer and Mark Warner introduced a bill on 27 September raising the annual purchase limit of I Bonds through Treasury Direct to $30,000. The $5,000 limit for paper bonds from income tax returns is not changed. Inflation must exceed 3.5% during an âapplicable yearâ for the new purchase limit to be honored.<br /> 1477The title of the bill is The Savings Security Act of 2022.<br /> 1478On October 1st, the bill had not yet been assigned a number.<br /> 1479I would encourage the readers of this forum to contact their two senators and urge them to support the passage of this bill. Be precise about the description. In addition to citing the title, mention raising the limits on I Bond purchases and name the bill’s authors. There is another bill pending in the Senate called SECURE Act 2.0 which senators and their staff may confuse with this new bill if your description is not precise.</p> 1480</div> 1481 1482 <div class="reply"> 1483 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=25352#respond" data-commentid="25352" data-postid="2291" data-belowelement="comment-25352" data-respondelement="respond" data-replyto="Reply to Jay V." aria-label="Reply to Jay V.">Reply</a> </div><!-- .reply --> 1484 </div><!-- #comment-## --> 1485 1486 <ul class="children"> 1487 <li class="comment byuser comment-author-tipswatch bypostauthor odd alt depth-2" id="li-comment-25357"> 1488 <div id="comment-25357"> 1489 <div class="comment-author vcard"> 1490 <img referrerpolicy="no-referrer" alt='Tipswatch's avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn"><a href="http://www.tipswatch.com" class="url" rel="ugc external nofollow">Tipswatch</a></cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1491 1492 1493 1494 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-25357"> 1495 October 1, 2022 at 7:58 am</a> </div><!-- .comment-meta .commentmetadata --> 1496 1497 <div class="comment-body"><p>Great information, thanks.</p> 1498</div> 1499 1500 <div class="reply"> 1501 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=25357#respond" data-commentid="25357" data-postid="2291" data-belowelement="comment-25357" data-respondelement="respond" data-replyto="Reply to Tipswatch" aria-label="Reply to Tipswatch">Reply</a> </div><!-- .reply --> 1502 </div><!-- #comment-## --> 1503 1504 </li><!-- #comment-## --> 1505</ul><!-- .children --> 1506</li><!-- #comment-## --> 1507 <li class="comment even thread-even depth-1" id="li-comment-24195"> 1508 <div id="comment-24195"> 1509 <div class="comment-author vcard"> 1510 <img referrerpolicy="no-referrer" alt='Joe B.'s avatar' src='https://0.gravatar.com/avatar/3c77168dde84296ee53354813d7a4d31f2fd32a4a9843ef614276686ef9da278?s=40&d=identicon&r=G' srcset='https://0.gravatar.com/avatar/3c77168dde84296ee53354813d7a4d31f2fd32a4a9843ef614276686ef9da278?s=40&d=identicon&r=G 1x, https://0.gravatar.com/avatar/3c77168dde84296ee53354813d7a4d31f2fd32a4a9843ef614276686ef9da278?s=60&d=identicon&r=G 1.5x, https://0.gravatar.com/avatar/3c77168dde84296ee53354813d7a4d31f2fd32a4a9843ef614276686ef9da278?s=80&d=identicon&r=G 2x, https://0.gravatar.com/avatar/3c77168dde84296ee53354813d7a4d31f2fd32a4a9843ef614276686ef9da278?s=120&d=identicon&r=G 3x, https://0.gravatar.com/avatar/3c77168dde84296ee53354813d7a4d31f2fd32a4a9843ef614276686ef9da278?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Joe B.</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1511 1512 1513 1514 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-24195"> 1515 July 27, 2022 at 4:17 pm</a> </div><!-- .comment-meta .commentmetadata --> 1516 1517 <div class="comment-body"><p>Per Treasury Direct website, if a Series I Bond is redeemed between 12 and 59 month holding period there is an interest penalty consisting of the LAST 3 months of interest. I purchased a $10,000 Series I Bond on Nov 1, 2021. For the first 3 months interest accrued was zero. Starting in Feb 2022 I am earning interest.</p> 1518<p>
1518Can you confirm interest penalty is on the last 3 months of holding period?<br /> 1519Can you explain lack of interest accrued for first 3 months?</p> 1520</div> 1521 1522 <div class="reply"> 1523 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=24195#respond" data-commentid="24195" data-postid="2291" data-belowelement="comment-24195" data-respondelement="respond" data-replyto="Reply to Joe B." aria-label="Reply to Joe B.">Reply</a> </div><!-- .reply --> 1524 </div><!-- #comment-## --> 1525 1526 <ul class="children"> 1527 <li class="comment byuser comment-author-tipswatch bypostauthor odd alt depth-2" id="li-comment-24197"> 1528 <div id="comment-24197"> 1529 <div class="comment-author vcard"> 1530 <img referrerpolicy="no-referrer" alt='Tipswatch's avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn"><a href="http://www.tipswatch.com" class="url" rel="ugc external nofollow">Tipswatch</a></cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1531 1532 1533 1534 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-24197"> 1535 July 27, 2022 at 4:36 pm</a> </div><!-- .comment-meta .commentmetadata --> 1536 1537 <div class="comment-body"><p>TreasuryDirect will not show the last three months interest as accrued until you have held the I Bond for 5 years. This causes a lot of confusion, but this is the way TD works. For the first three months, it will look like you have earned zero interest, but you have.</p> 1538</div> 1539 1540 <div class="reply"> 1541 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=24197#respond" data-commentid="24197" data-postid="2291" data-belowelement="comment-24197" data-respondelement="respond" data-replyto="Reply to Tipswatch" aria-label="Reply to Tipswatch">Reply</a> </div><!-- .reply --> 1542 </div><!-- #comment-## --> 1543 1544 </li><!-- #comment-## --> 1545 <li class="comment even depth-2" id="li-comment-24199"> 1546 <div id="comment-24199"> 1547 <div class="comment-author vcard"> 1548 <img referrerpolicy="no-referrer" alt='Joe A's avatar' src='https://1.gravatar.com/avatar/4b2f03e20fbefde91e55bfaa249efb56570143ccefcd032aa2832781fc96e48f?s=40&d=identicon&r=G' srcset='https://1.gravatar.com/avatar/4b2f03e20fbefde91e55bfaa249efb56570143ccefcd032aa2832781fc96e48f?s=40&d=identicon&r=G 1x, https://1.gravatar.com/avatar/4b2f03e20fbefde91e55bfaa249efb56570143ccefcd032aa2832781fc96e48f?s=60&d=identicon&r=G 1.5x, https://1.gravatar.com/avatar/4b2f03e20fbefde91e55bfaa249efb56570143ccefcd032aa2832781fc96e48f?s=80&d=identicon&r=G 2x, https://1.gravatar.com/avatar/4b2f03e20fbefde91e55bfaa249efb56570143ccefcd032aa2832781fc96e48f?s=120&d=identicon&r=G 3x, https://1.gravatar.com/avatar/4b2f03e20fbefde91e55bfaa249efb56570143ccefcd032aa2832781fc96e48f?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Joe A</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1549 1550 1551 1552 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-24199"> 1553 July 27, 2022 at 5:17 pm</a> </div><!-- .comment-meta .commentmetadata --> 1554 1555 <div class="comment-body"><p>Basically just its way of telling you how much they would be worth if you were to sell them right now (after waiting 12 months of course). Otherwise it would get confusing to subtract once you sold them. What?? The site says they’re worth $1000! You only paid me $900! Once 60 months hit Iâm sure there would be a nice “bonus” payment seen (ie three months of interest being added on all the sudden).</p> 1556</div> 1557 1558 <div class="reply"> 1559 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=24199#respond" data-commentid="24199" data-postid="2291" data-belowelement="comment-24199" data-respondelement="respond" data-replyto="Reply to Joe A" aria-label="Reply to Joe A">Reply</a> </div><!-- .reply --> 1560 </div><!-- #comment-## --> 1561 1562 <ul class="children"> 1563 <li class="comment odd alt depth-3" id="li-comment-25360"> 1564 <div id="comment-25360"> 1565 <div class="comment-author vcard"> 1566 <img referrerpolicy="no-referrer" alt='Bill'
1566s avatar' src='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&d=identicon&r=G' srcset='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&d=identicon&r=G 1x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=60&d=identicon&r=G 1.5x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=80&d=identicon&r=G 2x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=120&d=identicon&r=G 3x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Bill</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1567 1568 1569 1570 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-25360"> 1571 October 1, 2022 at 3:15 pm</a> </div><!-- .comment-meta .commentmetadata --> 1572 1573 <div class="comment-body"><p>Maybe a new question, but I could not figure out how to post a new question, and this one is related to this thread…</p> 1574<p>Just wondering on month 13, what interest is posted as part of the I Bond value. I would like to think it is the interest from the first month, but do not have a clue really. I mean if the first month interest was high, and month 13 interest rate was low, which would show up on month 13?</p> 1575<p>Hope this question makes sense. Tried my best…</p> 1576</div> 1577 1578 <div class="reply"> 1579 </div><!-- .reply --> 1580 </div><!-- #comment-## --> 1581 1582 </li><!-- #comment-## --> 1583 <li class="comment byuser comment-author-tipswatch bypostauthor even depth-3" id="li-comment-25362"> 1584 <div id="comment-25362"> 1585 <div class="comment-author vcard"> 1586 <img referrerpolicy="no-referrer" alt='Tipswatch's avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn"><a href="http://www.tipswatch.com" class="url" rel="ugc external nofollow">Tipswatch</a></cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1587 1588 1589 1590 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-25362"> 1591 October 1, 2022 at 3:42 pm</a> </div><!-- .comment-meta .commentmetadata --> 1592 1593 <div class="comment-body"><p>On TreasuryDirect, at the beginning of the 13th month, you will see the interest posted from the 9th month. You have earned interest for 12 months, but the last three months won’t be shown because of the three-month penalty for early redemption.</p> 1594</div> 1595 1596 <div class="reply"> 1597 </div><!-- .reply --> 1598 </div><!-- #comment-## --> 1599 1600 </li><!-- #comment-## --> 1601 <li class="comment odd alt depth-3" id="li-comment-25366"> 1602 <div id="comment-25366"> 1603 <div class="comment-author vcard"> 1604 <img referrerpolicy="no-referrer" alt='Bill's avatar' src='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&d=identicon&
1604r=G' srcset='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&d=identicon&r=G 1x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=60&d=identicon&r=G 1.5x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=80&d=identicon&r=G 2x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=120&d=identicon&r=G 3x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Bill</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1605 1606 1607 1608 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-25366"> 1609 October 1, 2022 at 6:54 pm</a> </div><!-- .comment-meta .commentmetadata --> 1610 1611 <div class="comment-body"><p>I think I get it. In other words, interest paid on month 4 is paid from the earnings of month 1, and from that point forward the sequence continues until the 5 year point is reached, when three months interest is paid in a lumpâ¦</p> 1612<p>Cash in before 5 years has elapsed, and you receive what the treasury direct site says your iBonds are valued at. </p> 1613<p>Right?</p> 1614</div> 1615 1616 <div class="reply"> 1617 </div><!-- .reply --> 1618 </div><!-- #comment-## --> 1619 1620 </li><!-- #comment-## --> 1621 <li class="comment byuser comment-author-tipswatch bypostauthor even depth-3" id="li-comment-25367"> 1622 <div id="comment-25367"> 1623 <div class="comment-author vcard"> 1624 <img referrerpolicy="no-referrer" alt='Tipswatch's avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn"><a href="http://www.tipswatch.com" class="url" rel="ugc external nofollow">Tipswatch</a></cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1625 1626 1627 1628 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-25367"> 1629 October 1, 2022 at 7:46 pm</a> </div><!-- .comment-meta .commentmetadata --> 1630 1631 <div class="comment-body"><p>Technically, you need to begin month 5 before TreasuryDirect shows you month one. But ⦠you are earning interest every month, TD just doesnât show it because of the early withdrawal penalty.</p> 1632</div> 1633 1634 <div class="reply"> 1635 </div><!-- .reply --> 1636 </div><!-- #comment-## --> 1637 1638 </li><!-- #comment-## --> 1639</ul><!-- .children --> 1640</li><!-- #comment-## --> 1641</ul><!-- .children --> 1642</li><!-- #comment-## --> 1643 <li class="comment byuser comment-author-amorris051017 odd alt thread-odd thread-alt depth-1" id="li-comment-24132"> 1644 <div id="comment-24132"> 1645 <div class="comment-author vcard"> 1646 <img referrerpolicy="no-referrer" alt='Andrew Morris's avatar' src='https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Andrew Morris</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1647 1648 1649 1650 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-24132"> 1651 July 24, 2022 at 4:21 pm</a> </div><!-- .comment-meta .commentmetadata --> 1652 1653 <div class="comment-body"><p>In the July 25, 2022 issue of Barrons in an article titled “TIPS, I Bonds Are Smart Ways to Buy Inflation Protection”, the author Andrew Bary writes in regard to iBonds: “Scherer says investors can skirt the $10,000 limit by also investing through trusts and small businesses that are sole proprietorships.” This was news to me — I’ll do some web searching of my own but thought I’d ask here what you know about this.</p> 1654<p>And as always let me add a Thank You for your valuable and insightful writing on Tips and iBonds.</p> 1655</div> 1656 1657 <div class="reply"> 1658 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=24132#respond" data-commentid="24132" data-postid="2291" data-belowelement="comment-24132" data-respondelement="respond" data-replyto="Reply to Andrew Morris" aria-label="Reply to Andrew Morris">Reply</a> </div><!-- .reply --> 1659 </div><!-- #comment-## --> 1660 1661 <ul class="children"> 1662 <li class="comment byuser comment-author-tipswatch bypostauthor even depth-2" id="li-comment-24134"> 1663 <div id="comment-24134"> 1664 <div class="comment-author vcard"> 1665 <img referrerpolicy="no-referrer" alt='Tipswatch's avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn"><a href="http://www.tipswatch.com" class="url" rel="ugc external nofollow">Tipswatch</a></cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1666 1667 1668 1669 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-24134"> 1670 July 24, 2022 at 5:00 pm</a> </div><!-- .comment-meta .commentmetadata --> 1671 1672 <div class="comment-body"><p>Yes, this is accurate. Harry Sit at TheFinanceBuff.com has covered the bases on this: <a href="https://thefinancebuff.com/how-to-buy-i-bonds.html" rel="nofollow ugc">https://thefinancebuff.com/how-to-buy-i-bonds.html</a></p> 1673</div> 1674 1675 <div class="reply"> 1676 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=24134#respond" data-commentid="24134" data-postid="2291" data-belowelement="comment-24134" data-respondelement="respond" data-replyto="Reply to Tipswatch" aria-label="Reply to Tipswatch">Reply</a> </div><!-- .reply --> 1677 </div><!-- #comment-## --> 1678 1679 </li><!-- #comment-## --> 1680</ul><!-- .children --> 1681</li><!-- #comment-## --> 1682 <li class="comment odd alt thread-even depth-1" id="li-comment-22945"> 1683 <div id="comment-22945"> 1684 <div class="comment-author vcard"> 1685 <img referrerpolicy="no-referrer" alt='Bill'
1685s avatar' src='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&d=identicon&r=G' srcset='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&d=identicon&r=G 1x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=60&d=identicon&r=G 1.5x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=80&d=identicon&r=G 2x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=120&d=identicon&r=G 3x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Bill</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1686 1687 1688 1689 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-22945"> 1690 May 2, 2022 at 1:10 pm</a> </div><!-- .comment-meta .commentmetadata --> 1691 1692 <div class="comment-body"><p>I just had something unexpected happen that I would like to share.</p> 1693<p>I bought the max $10K of I bonds just before the end of April to lock in the current rate. </p> 1694<p>We usually do not have excess cash, but we did this year, and there was an extra $5k we needed to put somewhere. My wife bought a $5K gift to be deposited into my TD account after the first of the year, as we understood that would be the first available date for the gift, as I already bought the max for this year.</p> 1695<p>Well, she accidentally gave the gift to me after the five day waiting period, and it now shows in my account, and not in her gift box anymore. I also got the email saying a gift was delivered. Several days have passed and nothing has changed.</p> 1696<p>I am guessing that this gift will subtract from what I bonds I can purchase next year, but I don’t plan on purchasing any net year, so the point is moot. </p> 1697<p>The net affect is no different than if the gift was given after the first of the year. Still have to wait 12 months before the funds will be available anyway.</p> 1698<p>I was just surprised that we did not have to wait until the end of the year to make the gift. </p> 1699<p>Just wanted to share this surprise, as it saves us the bother of remembering to make the gift 8 months later.</p> 1700</div> 1701 1702 <div class="reply"> 1703 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=22945#respond" data-commentid="22945" data-postid="2291" data-belowelement="comment-22945" data-respondelement="respond" data-replyto="Reply to Bill" aria-label="Reply to Bill">Reply</a> </div><!-- .reply --> 1704 </div><!-- #comment-## --> 1705 1706 <ul class="children"> 1707 <li class="comment byuser comment-author-tipswatch bypostauthor even depth-2" id="li-comment-22946"> 1708 <div id="comment-22946"> 1709 <div class="comment-author vcard"> 1710 <img referrerpolicy="no-referrer" alt='Tipswatch's avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn"><a href="http://www.tipswatch.com" class="url" rel="ugc external nofollow">Tipswatch</a></cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1711 1712 1713 1714 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-22946"> 1715 May 2, 2022 at 1:24 pm</a> </div><!-- .comment-meta .commentmetadata --> 1716 1717 <div class="comment-body"><p>It’s possible this won’t get caught, but from anecdotes I have heard, TreasuryDirect may discover the error and send the gift back to your wife’s gift box. If it does get returned, and she gives you the 5K in January, you will be limited to $5,000 in purchases in 2023. If it doesn’t get caught, you probably could buy $10K next year.</p> 1718</div> 1719 1720 <div class="reply"> 1721 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=22946#respond" data-commentid="22946" data-postid="2291" data-belowelement="comment-22946" data-respondelement="respond" data-replyto="Reply to Tipswatch" aria-label="Reply to Tipswatch">Reply</a> </div><!-- .reply --> 1722 </div><!-- #comment-## --> 1723 1724 <ul class="children"> 1725 <li class="comment odd alt depth-3" id="li-comment-22950"> 1726 <div id="comment-22950"> 1727 <div class="comment-author vcard"> 1728 <img referrerpolicy="no-referrer" alt='Bill'
1728s avatar' src='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&d=identicon&r=G' srcset='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&d=identicon&r=G 1x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=60&d=identicon&r=G 1.5x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=80&d=identicon&r=G 2x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=120&d=identicon&r=G 3x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Bill</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1729 1730 1731 1732 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-22950"> 1733 May 2, 2022 at 2:46 pm</a> </div><!-- .comment-meta .commentmetadata --> 1734 1735 <div class="comment-body"><p>I do not care either way, just was surprised. Do not plan on buying I bonds next year anyway…was curious though about this. I will keep an eye on it and see if something changes. </p> 1736<p>If they take the gift back, I hope they at least advise us that they did this. Makes no difference to us either way really. As long as we don’t forget the gift has been returned to her gift box…LOL. Even if we forget, it probably does not matter much…</p> 1737</div> 1738 1739 <div class="reply"> 1740 </div><!-- .reply --> 1741 </div><!-- #comment-## --> 1742 1743 </li><!-- #comment-## --> 1744 <li class="comment even depth-3" id="li-comment-23263"> 1745 <div id="comment-23263"> 1746 <div class="comment-author vcard"> 1747 <img referrerpolicy="no-referrer" alt='Bill's avatar' src='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&d=identicon&r=G' srcset='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&d=identicon&r=G 1x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=60&d=identicon&r=G 1.5x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=80&d=identicon&r=G 2x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=120&d=identicon&r=G 3x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Bill</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1748 1749 1750 1751 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-23263"> 1752 May 31, 2022 at 3:14 pm</a> </div><!-- .comment-meta .commentmetadata --> 1753 1754 <div class="comment-body"><p>I decided a couple weeks ago to ask Treasury Direct about the gift showing up in my account, when it should not until next year, and explained the situation. Sent the message through the TD site. Never got an answer, but did get an email later saying that I had talked to someone at TD (which I had, but about something else) and no further action would be taken at their end…or something like that. Of course, they did not reference what they were talking about…</p> 1755<p>I am just going to let it go, as it makes no difference to me, and my curiosity is not that great…my guess is that they do not have controls in place to prevent certain things from happening. </p> 1756<p>For example, I remember reading on the TD site, that if you purchase more than the annual limit of I bonds you will be warned, the excess would be cancelled, that a refund may take several months, and perhaps even a mention that your TD account might be in jeopardy. Paraphrasing of course, do not remember the exact verbiage.</p> 1757</div> 1758 1759 <div class="reply"> 1760 </div><!-- .reply --> 1761 </div><!-- #comment-## --> 1762 1763 </li><!-- #comment-## --> 1764 <li class="comment odd alt depth-3" id="li-comment-23286"> 1765 <div id="comment-23286"> 1766 <div class="comment-author vcard"> 1767 <img referrerpolicy="no-referrer" alt='Bill'
1767s avatar' src='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&d=identicon&r=G' srcset='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&d=identicon&r=G 1x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=60&d=identicon&r=G 1.5x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=80&d=identicon&r=G 2x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=120&d=identicon&r=G 3x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Bill</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1768 1769 1770 1771 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-23286"> 1772 June 3, 2022 at 1:51 pm</a> </div><!-- .comment-meta .commentmetadata --> 1773 1774 <div class="comment-body"><p>Well, the saga continues. </p> 1775<p>I got an email from TD saying I exceeded my annual purchase limits and the excess will be refunded. Not sure if this was in response to my effort to be honest about what happened or not. What bothers me is I did not exceed my purchase limits. The TD system lets a gift be processed, when the TD system should immediately flag the issue and not process a gift until the recipient can receive it. </p> 1776<p>I replied that rather than refunding anything, the I bonds should be put back in my wife’s gift box, to be given after the start of 2023, which was the original intention and the reason I emailed TD about the issue to begin with. Just trying to be honest at my end.</p> 1777<p>In any event, not a major issue. Irks me a bit that trying to do the right thing may have resulted in an undesirable outcome…live and learn. Message is: Make sure not to make the same mistake with your gifts of I bonds!</p> 1778</div> 1779 1780 <div class="reply"> 1781 </div><!-- .reply --> 1782 </div><!-- #comment-## --> 1783 1784 </li><!-- #comment-## --> 1785 <li class="comment byuser comment-author-tipswatch bypostauthor even depth-3" id="li-comment-23292"> 1786 <div id="comment-23292"> 1787 <div class="comment-author vcard"> 1788 <img referrerpolicy="no-referrer" alt='Tipswatch's avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn"><a href="http://www.tipswatch.com" class="url" rel="ugc external nofollow">Tipswatch</a></cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1789 1790 1791 1792 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-23292"> 1793 June 4, 2022 at 12:51 am</a> </div><!-- .comment-meta .commentmetadata --> 1794 1795 <div class="comment-body"><p>When the money is refunded it should go back into the gift box. </p> 1796</div> 1797 1798 <div class="reply"> 1799 </div><!-- .reply --> 1800 </div><!-- #comment-## --> 1801 1802 </li><!-- #comment-## --> 1803 <li class="comment odd alt depth-3" id="li-comment-23297"> 1804 <div id="comment-23297"> 1805 <div class="comment-author vcard"> 1806 <img referrerpolicy="no-referrer" alt='Bill'
1806s avatar' src='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&d=identicon&r=G' srcset='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&d=identicon&r=G 1x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=60&d=identicon&r=G 1.5x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=80&d=identicon&r=G 2x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=120&d=identicon&r=G 3x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Bill</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1807 1808 1809 1810 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-23297"> 1811 June 4, 2022 at 2:34 pm</a> </div><!-- .comment-meta .commentmetadata --> 1812 1813 <div class="comment-body"><p>I hope so! That would make sense and work for us! time will tell. I will report back after whatever happens, happens…</p> 1814</div> 1815 1816 <div class="reply"> 1817 </div><!-- .reply --> 1818 </div><!-- #comment-## --> 1819 1820 </li><!-- #comment-## --> 1821 <li class="comment even depth-3" id="li-comment-23363"> 1822 <div id="comment-23363"> 1823 <div class="comment-author vcard"> 1824 <img referrerpolicy="no-referrer" alt='Bill's avatar' src='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&d=identicon&r=G' srcset='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&d=identicon&r=G 1x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=60&d=identicon&r=G 1.5x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=80&d=identicon&r=G 2x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=120&d=identicon&r=G 3x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Bill</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1825 1826 1827 1828 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-23363"> 1829 June 10, 2022 at 2:56 pm</a> </div><!-- .comment-meta .commentmetadata --> 1830 1831 <div class="comment-body"><p>Well, looks like I am out of luck. Following is from a TD email in response to my asking that the gift be put back in the wife’s gift box:</p> 1832<p>“That won’t work.Purchase limits don’t look at when a bond is delivered, the limits look at when the bond was purchased. That’s why it’s called a purchase limit.</p> 1833<p>We receive notification when an account holder exceeds the annual limitation for savings bonds. We refund any repeat excess purchases. You donât need to do anything. A refund of the excess purchase will be made to the bank account where the purchase originated.<br /> 1834[snip]<br /> 1835Your funds will be deposited back into your bank account. This process will be completed, and you should receive your refund approximately 16 business weeks from the date of purchase. Each refund needs to be reviewed and approved by an examiner, so it does take time to process.</p> 1836<p>We will notify you by e-mail when a refund is processed.”</p> 1837<p>Can only hope now that this is so unusual, that they may actually put the I bonds back into the wife’s gift box… MESSAGE: Make sure not to give a gift to someone if it exceeds their annual purchase limits. (Not sure how the person giving the gift could know that in every case though.)</p> 1838<p>If by some miracle the bonds end up in the wife’s gift box I will report back.</p> 1839</div> 1840 1841 <div class="reply"> 1842 </div><!-- .reply --> 1843 </div><!-- #comment-## --> 1844 1845 </li><!-- #comment-## --> 1846 <li class="comment byuser comment-author-tipswatch bypostauthor odd alt depth-3" id="li-comment-23364"> 1847 <div id="comment-23364"> 1848 <div class="comment-author vcard"> 1849 <img referrerpolicy="no-referrer" alt='Tipswatch's avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn"><a href="http://www.tipswatch.com" class="url" rel="ugc external nofollow">Tipswatch</a></cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1850 1851 1852 1853 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-23364"> 1854 June 10, 2022 at 3:18 pm</a> </div><!-- .comment-meta .commentmetadata --> 1855 1856 <div class="comment-body"><p>Of course, you can now reinvest that money into your wife’s gift box, right? But you won’t get the 7.12% for six months, just the 9.62% instead and whatever comes next.</p> 1857</div> 1858 1859 <div class="reply"> 1860 </div><!-- .reply --> 1861 </div><!-- #comment-## --> 1862 1863 </li><!-- #comment-## --> 1864 <li class="comment even depth-3" id="li-comment-23368"> 1865 <div id="comment-23368"> 1866 <div class="comment-author vcard"> 1867 <img referrerpolicy="no-referrer" alt='Bill'
1867s avatar' src='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&d=identicon&r=G' srcset='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&d=identicon&r=G 1x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=60&d=identicon&r=G 1.5x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=80&d=identicon&r=G 2x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=120&d=identicon&r=G 3x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Bill</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1868 1869 1870 1871 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-23368"> 1872 June 10, 2022 at 5:12 pm</a> </div><!-- .comment-meta .commentmetadata --> 1873 1874 <div class="comment-body"><p>Yes, that is the plan. Our mistake caused this. </p> 1875<p>Donât have a lot of excess cash, but planning on purchasing $500 or more per month until the refund appears (in the wifeâs gift box), and then putting the $5K refund back into I bonds as well. The intention being to have interest earning cash available as needed in 12 months. Actually going to put all my loose change in i bonds for a while(via the wifeâs gift box this year). </p> 1876<p>Crazy that we had a large chunk or cash(for us) laying in bank accounts that paid nothing for over a year, rather that putting it in I bonds. ESPECIALLY since the majority of our retirement savings are in I bonds, albeit bought 20 years ago, with 3.4% & 3.6% fixed rates. So we know the advantages of I bonds. </p> 1877<p>One thing I need to check and understand, is if a gift is presented, whether it has to be accepted by the gifted, or if it the gifted person has no option to delay receipt until the following year. I think that may be what happened in our case but do not remember for sure. </p> 1878<p>In other words, if a person receives a gift that pushes them over the annual limit, does this mean they automatically forfeit the gift? And the funds may be in limbo for 16 weeks to boot? Seems unfair if that is the way things work.</p> 1879</div> 1880 1881 <div class="reply"> 1882 </div><!-- .reply --> 1883 </div><!-- #comment-## --> 1884 1885 </li><!-- #comment-## --> 1886 <li class="comment odd alt depth-3" id="li-comment-28914"> 1887 <div id="comment-28914"> 1888 <div class="comment-author vcard"> 1889 <img referrerpolicy="no-referrer" alt='Bill's avatar' src='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&d=identicon&r=G' srcset='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&d=identicon&r=G 1x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=60&d=identicon&r=G 1.5x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=80&d=identicon&r=G 2x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=120&d=identicon&r=G 3x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Bill</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1890 1891 1892 1893 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-28914"> 1894 January 12, 2023 at 2:11 pm</a> </div><!-- .comment-meta .commentmetadata --> 1895 1896 <div class="comment-body"><p>Believe it or not, the gift of $5,000 I Bonds stayed in my account (which already held the max $10K, and I guess became legitimate after the first of the year. So they were never canceled and there was no movement of funds back to the gift box or anywhere. I just wanted to update what I posted above so everybody knows how it turned out.</p> 1897</div> 1898 1899 <div class="reply"> 1900 </div><!-- .reply --> 1901 </div><!-- #comment-## --> 1902 1903 </li><!-- #comment-## --> 1904</ul><!-- .children --> 1905</li><!-- #comment-## --> 1906</ul><!-- .children --> 1907</li><!-- #comment-## --> 1908 <li class="comment even thread-odd thread-alt depth-1" id="li-comment-22773"> 1909 <div id="comment-22773"> 1910 <div class="comment-author vcard"> 1911 <img referrerpolicy="no-referrer" alt='Joe's avatar' src='https://1.gravatar.com/avatar/4b2f03e20fbefde91e55bfaa249efb56570143ccefcd032aa2832781fc96e48f?s=40&d=identicon&r=G' srcset='https://1.gravatar.com/avatar/4b2f03e20fbefde91e55bfaa249efb56570143ccefcd032aa2832781fc96e48f?s=40&d=identicon&r=G 1x, https://1.gravatar.com/avatar/4b2f03e20fbefde91e55bfaa249efb56570143ccefcd032aa2832781fc96e48f?s=60&d=identicon&r=G 1.5x, https://1.gravatar.com/avatar/4b2f03e20fbefde91e55bfaa249efb56570143ccefcd032aa2832781fc96e48f?s=80&d=identicon&r=G 2x, https://1.gravatar.com/avatar/4b2f03e20fbefde91e55bfaa249efb56570143ccefcd032aa2832781fc96e48f?s=120&d=identicon&r=G 3x, https://1.gravatar.com/avatar/4b2f03e20fbefde91e55bfaa249efb56570143ccefcd032aa2832781fc96e48f?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Joe</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1912 1913 1914 1915 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-22773"> 1916 April 21, 2022 at 12:19 pm</a> </div><!-- .comment-meta .commentmetadata --> 1917 1918 <div class="comment-body"><p>Hi David,</p> 1919<p>Hope you enjoyed your trip. Just wanted to leave a comment more so than a question. I’ve been hearing nothing but, “Inflation has peaked!” since the March numbers came out. As we all know, nobody knows what will happen. However, I think the numbers are being used as a trick. Sure, maybe it’s not going to accelerate as fast, but 8% (or whatever it will “go down” to, assuming it does actually go down) is still 8%. If it stays at 8.5% and doesn’t go up, then they’ll be throwing a party (hey, it didn’t go up!), but it’s still 8.5%. People tend to not understand percentages and fractions. </p> 1920<p>Pure (100% haha) example. Say a stock is $100. It decreased 50% the first day (OUCH!!). So now it’s $50. Well the next day it recovered and increased 50%. But wait a minute, if it decreased 50% and then increased 50%, shouldn’t it be back to the original $100?? Why is it only $75 now?!? Yes, I understand, but how many other people don’t?</p> 1921<p>I guess my point is people are going to easily misinterpret the numbers (some on purpose for political reasons). One measures velocity/speed and the other measures acceleration. Okay, you accelerated up to 55 MPH in the school zone, but at least you stopped accelerating in it (staying steady at 55 or slower to 54). Either speed is well over the speed limit, but at least the acceleration stopped, right? No, 50+ MPH is still over the limit! Just like 5, 6, 7% is still well above the 2% mark. The question is how FAST can (will) it decelerate. </p> 1922<p>I believe too much hype will be made of the deceleration (it actually went down, yay!) and they will (try to) forget the actual inflation rate itself. I said “try to”
1922 because it’s hard to fool people’s wallets. You mean I have to pay $25 for a #1 combo at McDonald’s?? </p> 1923<p>Rant over.</p> 1924</div> 1925 1926 <div class="reply"> 1927 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=22773#respond" data-commentid="22773" data-postid="2291" data-belowelement="comment-22773" data-respondelement="respond" data-replyto="Reply to Joe" aria-label="Reply to Joe">Reply</a> </div><!-- .reply --> 1928 </div><!-- #comment-## --> 1929 1930 <ul class="children"> 1931 <li class="comment byuser comment-author-tipswatch bypostauthor odd alt depth-2" id="li-comment-22774"> 1932 <div id="comment-22774"> 1933 <div class="comment-author vcard"> 1934 <img referrerpolicy="no-referrer" alt='Tipswatch's avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn"><a href="http://www.tipswatch.com" class="url" rel="ugc external nofollow">Tipswatch</a></cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1935 1936 1937 1938 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-22774"> 1939 April 21, 2022 at 12:53 pm</a> </div><!-- .comment-meta .commentmetadata --> 1940 1941 <div class="comment-body"><p>I am one of the people who “think” that U.S. inflation will gradually lessen, but will remain in a range of 4% to 5% through next year. That is high inflation. But there are so many unpredictable factors; the war in Ukraine is an obvious disruption no one really saw coming. Covid resurgence? Gas shortages? Food shortages? So many possibilities.</p> 1942</div> 1943 1944 <div class="reply"> 1945 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=22774#respond" data-commentid="22774" data-postid="2291" data-belowelement="comment-22774" data-respondelement="respond" data-replyto="Reply to Tipswatch" aria-label="Reply to Tipswatch">Reply</a> </div><!-- .reply --> 1946 </div><!-- #comment-## --> 1947 1948 </li><!-- #comment-## --> 1949 <li class="comment even depth-2" id="li-comment-22786"> 1950 <div id="comment-22786"> 1951 <div class="comment-author vcard"> 1952 <img referrerpolicy="no-referrer" alt='Len's avatar' src='https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=40&d=identicon&r=G' srcset='https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=40&d=identicon&r=G 1x, https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=60&d=identicon&r=G 1.5x, https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=80&d=identicon&r=G 2x, https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=120&d=identicon&r=G 3x, https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Len</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1953 1954 1955 1956 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-22786"> 1957 April 22, 2022 at 6:22 am</a> </div><!-- .comment-meta .commentmetadata --> 1958 1959 <div class="comment-body"><p>Good observation, that is how it is done. And of course they will never admit deficit spending c
1959auses inflation.</p> 1960</div> 1961 1962 <div class="reply"> 1963 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=22786#respond" data-commentid="22786" data-postid="2291" data-belowelement="comment-22786" data-respondelement="respond" data-replyto="Reply to Len" aria-label="Reply to Len">Reply</a> </div><!-- .reply --> 1964 </div><!-- #comment-## --> 1965 1966 </li><!-- #comment-## --> 1967</ul><!-- .children --> 1968</li><!-- #comment-## --> 1969 <li class="comment odd alt thread-even depth-1" id="li-comment-22442"> 1970 <div id="comment-22442"> 1971 <div class="comment-author vcard"> 1972 <img referrerpolicy="no-referrer" alt='Steve's avatar' src='https://0.gravatar.com/avatar/c1efd73aac9a67c5c040e2d08e59791e596a3968a36b2261427ccfa173f37b7d?s=40&d=identicon&r=G' srcset='https://0.gravatar.com/avatar/c1efd73aac9a67c5c040e2d08e59791e596a3968a36b2261427ccfa173f37b7d?s=40&d=identicon&r=G 1x, https://0.gravatar.com/avatar/c1efd73aac9a67c5c040e2d08e59791e596a3968a36b2261427ccfa173f37b7d?s=60&d=identicon&r=G 1.5x, https://0.gravatar.com/avatar/c1efd73aac9a67c5c040e2d08e59791e596a3968a36b2261427ccfa173f37b7d?s=80&d=identicon&r=G 2x, https://0.gravatar.com/avatar/c1efd73aac9a67c5c040e2d08e59791e596a3968a36b2261427ccfa173f37b7d?s=120&d=identicon&r=G 3x, https://0.gravatar.com/avatar/c1efd73aac9a67c5c040e2d08e59791e596a3968a36b2261427ccfa173f37b7d?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Steve</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1973 1974 1975 1976 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-22442"> 1977 April 12, 2022 at 8:55 am</a> </div><!-- .comment-meta .commentmetadata --> 1978 1979 <div class="comment-body"><p>Still pretty timely considering you are on vacation, traveling, half way around the world. My math gave a similar result, but I was happy that your number confirmed it. Thanks for what you do. Now I just need more cash to buy more I bonds.</p> 1980</div> 1981 1982 <div class="reply"> 1983 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=22442#respond" data-commentid="22442" data-postid="2291" data-belowelement="comment-22442" data-respondelement="respond" data-replyto="Reply to Steve" aria-label="Reply to Steve">Reply</a> </div><!-- .reply --> 1984 </div><!-- #comment-## --> 1985 1986 </li><!-- #comment-## --> 1987 <li class="comment even thread-odd thread-alt depth-1" id="li-comment-22294"> 1988 <div id="comment-22294"> 1989 <div class="comment-author vcard"> 1990 <img referrerpolicy="no-referrer" alt='Len's avatar' src='https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=40&d=identicon&r=G' srcset='https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=40&d=identicon&r=G 1x, https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=60&d=identicon&r=G 1.5x, https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=80&d=identicon&r=G 2x, https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=120&d=identicon&r=G 3x, https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Len</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 1991 1992 1993 1994 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-22294"> 1995 March 29, 2022 at 4:54 pm</a> </div><!-- .comment-meta .commentmetadata --> 1996 1997 <div class="comment-body"><p>Some time I’ll comment on why all bond funds should be avoided. Until then most of Larry Swedroe’s books cover the negatives quite well.</p> 1998</div> 1999 2000 <div class="reply"> 2001 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=22294#respond" data-commentid="22294" data-postid="2291" data-belowelement="comment-22294" data-respondelement="respond" data-replyto="Reply to
2001Len" aria-label="Reply to Len">Reply</a> </div><!-- .reply --> 2002 </div><!-- #comment-## --> 2003 2004 <ul class="children"> 2005 <li class="comment odd alt depth-2" id="li-comment-22310"> 2006 <div id="comment-22310"> 2007 <div class="comment-author vcard"> 2008 <img referrerpolicy="no-referrer" alt='Henro's avatar' src='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&d=identicon&r=G' srcset='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&d=identicon&r=G 1x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=60&d=identicon&r=G 1.5x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=80&d=identicon&r=G 2x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=120&d=identicon&r=G 3x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Henro</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 2009 2010 2011 2012 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-22310"> 2013 April 1, 2022 at 4:32 pm</a> </div><!-- .comment-meta .commentmetadata --> 2014 2015 <div class="comment-body"><p>How about just commenting on why i Bonds should be avoided.</p> 2016<p>They have a given value, it is not subject to market forces, the interest gained is added to the principle, and there is close to zero risk. And worse case the value locks in during a deflationary period.</p> 2017<p>Other places you might put your money feel good when times are good, but feel really bad when the imaginary gains disappear when things go sour. Gains are imaginary, in most places you put your funds, unless you pull your funds out when times are good. </p> 2018<p>I don’t think i Bonds can be considered the same as conventional bonds. But I do not know. Please educate me…</p> 2019</div> 2020 2021 <div class="reply"> 2022 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=22310#respond" data-commentid="22310" data-postid="2291" data-belowelement="comment-22310" data-respondelement="respond" data-replyto="Reply to Henro" aria-label="Reply to Henro">Reply</a> </div><!-- .reply --> 2023 </div><!-- #comment-## --> 2024 2025 <ul class="children"> 2026 <li class="comment even depth-3" id="li-comment-22372"> 2027 <div id="comment-22372"> 2028 <div class="comment-author vcard"> 2029 <img referrerpolicy="no-referrer" alt='Len's avatar' src='https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=40&d=identicon&r=G' srcset='https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=40&d=identicon&r=G 1x, https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=60&d=identicon&r=G 1.5x, https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=80&d=identicon&r=G 2x, https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=120&d=identicon&r=G 3x, https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Len</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 2030 2031 2032 2033 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-22372"> 2034 April 6, 2022 at 4:52 pm</a> </div><!-- .comment-meta .commentmetadata --> 2035 2036 <div class="comment-body"><p>Are there any negatives to I bonds? Well the fixed rates are set at the whim of the Treasury and their decision to offer them was based on lowering the government’s borrowing costs.</p> 2037<p>Some believe the CPI index has been manipulated to understate actual inflation. (Beginning with Fed chairman Alan Greenspan)</p> 2038<p>The idea that one may cash in early (losing 3 months interest) in order to repurchase at a higher rate is possible.<br /> 2039But one would need to calculate the long-term loss on the invested penalty for a comparison. </p> 2040<p>Yes I bonds are unique in that you can ‘put’ them to the issuer without penalty after 5 years. But I can’t agree that all other investments are doomed to disappoint. Whether any vehicle is a sound investment depends largely on the price paid.</p> 2041</div> 2042 2043 <div class="reply"> 2044 </div><!-- .reply --> 2045 </div><!-- #comment-## --> 2046 2047 </li><!-- #comment-## --> 2048 <li class="comment odd alt depth-3" id="li-comment-22377"> 2049 <div id="comment-22377"> 2050 <div class="comment-author vcard"> 2051 <img referrerpolicy="no-referrer" alt='Bill's avatar' src='https://2.gravatar.com/avatar/eb9a18e8fb23b2ad70e6058bbca7b9d238827465dba2b5a42e2113c293b0c71c?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/eb9a18e8fb23b2ad70e6058bbca7b9d238827465dba2b5a42e2113c293b0c71c?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/eb9a18e8fb23b2ad70e6058bbca7b9d238827465dba2b5a42e2113c293b0c71c?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/eb9a18e8fb23b2ad70e6058bbca7b9d238827465dba2b5a42e2113c293b0c71c?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/eb9a18e8fb23b2ad70e6058bbca7b9d238827465dba2b5a42e2113c293b0c71c?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/eb9a18e8fb23b2ad70e6058bbca7b9d238827465dba2b5a42e2113c293b0c71c?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Bill</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 2052 2053 2054 2055 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-22377"> 2056 April 7, 2022 at 4:11 pm</a> </div><!-- .comment-meta .commentmetadata --> 2057 2058 <div class="comment-body"><p>Well, you did say that ALL bonds should be avoided…</p> 2059<p>Seems like your story has changed a bit with respect to I Bonds. A fixed rate above zero is certainly great. I have bonds from 20 years ago that average a fixed rate of 3.5 percent.</p> 2060<p>But even with the zero percent fixed rate, the I Bonds look good to me for a temporary place to put cash for the short term TODAY. EVEN with the 3 month penalty, which can really be two months if you time your purchase at the end of the month.</p> 2061</div> 2062 2063 <div class="reply"> 2064 </div><!-- .reply --> 2065 </div><!-- #comment-## --> 2066 2067 </li><!-- #comment-## --> 2068 <li class="comment even depth-3" id="li-comment-22381"> 2069 <div id="comment-22381"> 2070 <div class="comment-author vcard"> 2071 <img referrerpolicy="no-referrer" alt='Len's avatar' src='https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=40&d=identicon&r=G' srcset='https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=40&d=identicon&r=G 1x, https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=60&d=identicon&r=G 1.5x, https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=80&d=identicon&r=G 2x, https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=120&d=identicon&r=G 3x, https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Len</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 2072 2073 2074 2075 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-22381"> 2076 April 8, 2022 at 5:22 am</a> </div><!-- .comment-meta .commentmetadata --> 2077 2078 <div class="comment-body"><p>
2078Reading carefully we see that what I said was all bond FUNDS should be avoided, because they negate all the virtues of holding bonds. </p> 2079<p>But you have the right approach, all observations should be prefaced with, ” In the past…” Something you don’t hear from the Wall Street hucksters. </p> 2080<p>So I bonds at 3.5 % were a ‘gift’ we may never see again. But, at the moment, I can’t relate to wishing I could sink $100, 000 into them as has been discussed.</p> 2081</div> 2082 2083 <div class="reply"> 2084 </div><!-- .reply --> 2085 </div><!-- #comment-## --> 2086 2087 </li><!-- #comment-## --> 2088 <li class="comment odd alt depth-3" id="li-comment-22385"> 2089 <div id="comment-22385"> 2090 <div class="comment-author vcard"> 2091 <img referrerpolicy="no-referrer" alt='Bill's avatar' src='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&d=identicon&r=G' srcset='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&d=identicon&r=G 1x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=60&d=identicon&r=G 1.5x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=80&d=identicon&r=G 2x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=120&d=identicon&r=G 3x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Bill</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 2092 2093 2094 2095 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-22385"> 2096 April 8, 2022 at 3:27 pm</a> </div><!-- .comment-meta .commentmetadata --> 2097 2098 <div class="comment-body"><p>I guess you are right about that. I did not consider the word “Funds” as part of the equation in what you stated….Still, as compared to bond funds it looks like for the short term I bonds are a good deal.</p> 2099</div> 2100 2101 <div class="reply"> 2102 </div><!-- .reply --> 2103 </div><!-- #comment-## --> 2104 2105 </li><!-- #comment-## --> 2106</ul><!-- .children --> 2107</li><!-- #comment-## --> 2108</ul><!-- .children --> 2109</li><!-- #comment-## --> 2110 <li class="comment even thread-even depth-1" id="li-comment-22290"> 2111 <div id="comment-22290"> 2112 <div class="comment-author vcard"> 2113 <img referrerpolicy="no-referrer" alt='BT's avatar' src='https://2.gravatar.com/avatar/8429dfe5ea1ad3493719d71d82406b0295124ea85b2d913cee02cae1d09dde51?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/8429dfe5ea1ad3493719d71d82406b0295124ea85b2d913cee02cae1d09dde51?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/8429dfe5ea1ad3493719d71d82406b0295124ea85b2d913cee02cae1d09dde51?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/8429dfe5ea1ad3493719d71d82406b0295124ea85b2d913cee02cae1d09dde51?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/8429dfe5ea1ad3493719d71d82406b0295124ea85b2d913cee02cae1d09dde51?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/8429dfe5ea1ad3493719d71d82406b0295124ea85b2d913cee02cae1d09dde51?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">BT</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 2114 2115 2116 2117 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-22290"> 2118 March 29, 2022 at 2:13 pm</a> </div><!-- .comment-meta .commentmetadata --> 2119 2120 <div class="comment-body"><p>FIphysician has a nice piece on Tips here: <a href="https://www.fiphysician.com/tips-and-duration-should-i-buy-short-term-tips/" rel="nofollow ugc">https://www.fiphysician.com/tips-and-duration-should-i-buy-short-term-tips/</a></p> 2121</div> 2122 2123 <div class="reply"> 2124 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=22290#respond" data-commentid="22290" data-postid="2291" data-belowelement="comment-22290" data-respondelement="respond" data-replyto="Reply to BT" aria-label="Reply to BT">Reply</a> </div><!-- .reply --> 2125 </div><!-- #comment-## --> 2126 2127 </li><!-- #comment-## --> 2128 <li class="comment odd alt thread-odd thread-alt depth-1" id="li-comment-22279"> 2129 <div id="comment-22279"> 2130 <div class="comment-author vcard"> 2131 <img referrerpolicy="no-referrer" alt='Mark G's avatar' src='https://1.gravatar.com/avatar/105e4837be39e65f44498f4f2e41c9e29e0193dfb70d695daaacda05a3060fd6?s=40&d=identicon&r=G' srcset='https://1.gravatar.com/avatar/105e4837be39e65f44498f4f2e41c9e29e0193dfb70d695daaacda05a3060fd6?s=40&d=identicon&r=G 1x, https://1.gravatar.com/avatar/105e4837be39e65f44498f4f2e41c9e29e0193dfb70d695daaacda05a3060fd6?s=60&d=identicon&r=G 1.5x, https://1.gravatar.com/avatar/105e4837be39e65f44498f4f2e41c9e29e0193dfb70d695daaacda05a3060fd6?s=80&d=identicon&r=G 2x, https://1.gravatar.com/avatar/105e4837be39e65f44498f4f2e41c9e29e0193dfb70d695daaacda05a3060fd6?s=120&d=identicon&r=G 3x, https://1.gravatar.com/avatar/105e4837be39e65f44498f4f2e41c9e29e0193dfb70d695daaacda05a3060fd6?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Mark G</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 2132 2133 2134 2135 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-22279"> 2136 March 27, 2022 at 10:40 am</a> </div><!-- .comment-meta .commentmetadata --> 2137 2138 <div class="comment-body"><p>5 year TIPS currently trade in the secondary market with a premium of about 6%. Isn’t someone in the 22% tax bracket better off buying TIPS through a broker in a Roth IRA than they are with I-bonds? It seems like the tax-free nature of the Roth more than makes up for the small premium on the TIPs.</p> 2139</div> 2140 2141 <div class="reply"> 2142 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=22279#respond" data-commentid="22279" data-postid="2291" data-belowelement="comment-22279" data-respondelement="respond" data-replyto="Reply to Mark G" aria-label="Reply to Mark G">Reply</a> </div><!-- .reply --> 2143 </div><!-- #comment-## --> 2144 2145 </li><!-- #comment-## --> 2146 <li class="comment even thread-even depth-1" id="li-comment-21985"> 2147 <div id="comment-21985"> 2148 <div class="comment-author vcard"> 2149 <img referrerpolicy="no-referrer" alt='Henro's avatar' src='https://2.gravatar.com/avatar/eb9a18e8fb23b2ad70e6058bbca7b9d238827465dba2b5a42e2113c293b0c71c?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/eb9a18e8fb23b2ad70e6058bbca7b9d238827465dba2b5a42e2113c293b0c71c?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/eb9a18e8fb23b2ad70e6058bbca7b9d238827465dba2b5a42e2113c293b0c71c?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/eb9a18e8fb23b2ad70e6058bbca7b9d238827465dba2b5a42e2113c293b0c71c?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/eb9a18e8fb23b2ad70e6058bbca7b9d238827465dba2b5a42e2113c293b0c71c?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/eb9a18e8fb23b2ad70e6058bbca7b9d238827465dba2b5a42e2113c293b0c71c?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Henro</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 2150 2151 2152 2153 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-21985"> 2154 February 23, 2022 at 1:08 pm</a> </div><!-- .comment-meta .commentmetadata --> 2155 2156 <div class="comment-body"><p>I have I bonds from back in 2000 and 2001. Great fixed rate. Will keep them until maturity likely.</p> 2157<p>But I only recently realized that these bonds only pay whatever the annual inflation rate is, plus the fixed rate adder.</p> 2158<p>This is interesting, as on first look it seems like the calculation is twice the inflation rate plus the fixed rate. Reality is that since this is based on a 6 month period, the net affect is the same as if inflation was a fixed percent for the 12 months after purchase, and the I bonds would pay that on an annual basis. In other words, the net result is simply based on the inflation rate plus the fixed rate for those 12 months. Granted, semi annual compounding of interest adds something.</p> 2159<p>So my I bonds with an average fixed rate of 3.5 percent, will pay around 10.5 percent over 2022, and n
2159ot 2 times the inflation rate, plus the fixed rate, which would be much higher.</p> 2160<p>The calculation explained in the literature sort of implies a net gain of 2 time inflation plus the fixed rate. But reality is from what I can see, that I Bonds just pay the inflation rate plus the fixed rate adder.</p> 2161<p>Still, I am happy with a likely 10 percent return during 2022.</p> 2162</div> 2163 2164 <div class="reply"> 2165 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=21985#respond" data-commentid="21985" data-postid="2291" data-belowelement="comment-21985" data-respondelement="respond" data-replyto="Reply to Henro" aria-label="Reply to Henro">Reply</a> </div><!-- .reply --> 2166 </div><!-- #comment-## --> 2167 2168 <ul class="children"> 2169 <li class="comment byuser comment-author-tipswatch bypostauthor odd alt depth-2" id="li-comment-21988"> 2170 <div id="comment-21988"> 2171 <div class="comment-author vcard"> 2172 <img referrerpolicy="no-referrer" alt='Tipswatch's avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn"><a href="http://www.tipswatch.com" class="url" rel="ugc external nofollow">Tipswatch</a></cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 2173 2174 2175 2176 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-21988"> 2177 February 23, 2022 at 2:45 pm</a> </div><!-- .comment-meta .commentmetadata --> 2178 2179 <div class="comment-body"><p>The I Bond’s variable rate is 2 x a 6-month inflation rate, giving you an annualized rate that is in effect for 6 months. So the rate is doubled, but it only lasts for six months, not a year.</p> 2180</div> 2181 2182 <div class="reply"> 2183 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=21988#respond" data-commentid="21988" data-postid="2291" data-belowelement="comment-21988" data-respondelement="respond" data-replyto="Reply to Tipswatch" aria-label="Reply to Tipswatch">Reply</a> </div><!-- .reply --> 2184 </div><!-- #comment-## --> 2185 2186 <ul class="children"> 2187 <li class="comment even depth-3" id="li-comment-21989"> 2188 <div id="comment-21989"> 2189 <div class="comment-author vcard"> 2190 <img referrerpolicy="no-referrer" alt='henro's avatar' src='https://1.gravatar.com/avatar/747a952626a49fc53e4e933b9ec579576b46b825d8ebdd87b5dacdfa602432f1?s=40&d=identicon&r=G' srcset='https://1.gravatar.com/avatar/747a952626a49fc53e4e933b9ec579576b46b825d8ebdd87b5dacdfa602432f1?s=40&d=identicon&r=G 1x, https://1.gravatar.com/avatar/747a952626a49fc53e4e933b9ec579576b46b825d8ebdd87b5dacdfa602432f1?s=60&d=identicon&r=G 1.5x, https://1.gravatar.com/avatar/747a952626a49fc53e4e933b9ec579576b46b825d8ebdd87b5dacdfa602432f1?s=80&d=identicon&r=G 2x, https://1.gravatar.com/avatar/747a952626a49fc53e4e933b9ec579576b46b825d8ebdd87b5dacdfa602432f1?s=120&d=identicon&r=G 3x, https://1.gravatar.com/avatar/747a952626a49fc53e4e933b9ec579576b46b825d8ebdd87b5dacdfa602432f1?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">henro</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 2191 2192 2193 2194 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-21989"> 2195 February 23, 2022 at 3:59 pm</a> </div><!-- .comment-meta .commentmetadata --> 2196 2197 <div class="comment-body"><p>I think that was my point. So the net affect is I Bonds pay whatever the average inflation rate is, and nothing more than that plus whatever the fixed rate is…</p> 2198<p>Not bad really. Just saying that at first I thought they were even better, but still satisfied with the performance with an average 3.5 percent fixed rate…</p> 2199</div> 2200 2201 <div class="reply"> 2202 </div><!-- .reply --> 2203 </div><!-- #comment-## --> 2204 2205 </li><!-- #comment-## --> 2206</ul><!-- .children --> 2207</li><!-- #comment-## --> 2208</ul><!-- .children --> 2209</li><!-- #comment-## --> 2210 <li class="comment odd alt thread-odd thread-alt depth-1" id="li-comment-21833"> 2211 <div id="comment-21833"> 2212 <div class="comment-author vcard"> 2213 <img referrerpolicy="no-referrer" alt='Joe's avatar' src='https://1.gravatar.com/avatar/4b2f03e20fbefde91e55bfaa249efb56570143ccefcd032aa2832781fc96e48f?s=40&d=identicon&r=G' srcset='https://1.gravatar.com/avatar/4b2f03e20fbefde91e55bfaa249efb56570143ccefcd032aa2832781fc96e48f?s=40&d=identicon&r=G 1x, https://1.gravatar.com/avatar/4b2f03e20fbefde91e55bfaa249efb56570143ccefcd032aa2832781fc96e48f?s=60&d=identicon&r=G 1.5x, https://1.gravatar.com/avatar/4b2f03e20fbefde91e55bfaa249efb56570143ccefcd032aa2832781fc96e48f?s=80&d=identicon&r=G 2x, https://1.gravatar.com/avatar/4b2f03e20fbefde91e55bfaa249efb56570143ccefcd032aa2832781fc96e48f?s=120&d=identicon&r=G 3x, https://1.gravatar.com/avatar/4b2f03e20fbefde91e55bfaa249efb56570143ccefcd032aa2832781fc96e48f?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Joe</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 2214 2215 2216 2217 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-21833"> 2218 February 8, 2022 at 12:34 pm</a> </div><!-- .comment-meta .commentmetadata --> 2219 2220 <div class="comment-body"><p>Hi David,</p> 2221<p>As always, thanks for the info you provide.</p> 2222<p>I thought I would ask your opinion about inflation in general. The government (all politicians) is (and has been) printing money hand over fist for years nows. Yet, inflation has been “kept low.” So here is all of this money hitting the markets, yet inflation is basically stagnate. I would like to think of inflation as watering down money. Just like adding ice to a soda. Eventually the ice melts and now it is watered down. Add more ice and it’s even more watery. Sure, now you have “more soda,” but the ratio is so watered down that you can (non-sarcastically ) ask the question, “Would you like some soda with your water?”</p> 2223<p>I guess my question is, had the inflation numbers been true (ie the soda would have kept up with the added ice/water) throughout the years (ie 3% here, 4% there), would we even be experiencing these big jumps? My opinion is there is no room to hide it anymore. Not counting the last two rates, the average for inflation average is easily only 1% since May 2010 (I didn’t actually calculate, but with all of those less than 1% numbers, especially the negative ones).</p> 2224<p>Between the money printed and the percentages that they SAID was Inflation, I can’t help believe that there wasn’t some lying in those numbers over the last decade. My opinion is that this is nothing more than a hidden tax to make people pay for the debt quietly (indirectly). We’
2224re $30+ trillion in debt? Fine, make $30 trillion not worth much. Just like a penny is now practically worthless, so will $30 trillion.</p> 2225</div> 2226 2227 <div class="reply"> 2228 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=21833#respond" data-commentid="21833" data-postid="2291" data-belowelement="comment-21833" data-respondelement="respond" data-replyto="Reply to Joe" aria-label="Reply to Joe">Reply</a> </div><!-- .reply --> 2229 </div><!-- #comment-## --> 2230 2231 <ul class="children"> 2232 <li class="comment byuser comment-author-tipswatch bypostauthor even depth-2" id="li-comment-21835"> 2233 <div id="comment-21835"> 2234 <div class="comment-author vcard"> 2235 <img referrerpolicy="no-referrer" alt='Tipswatch's avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn"><a href="http://www.tipswatch.com" class="url" rel="ugc external nofollow">Tipswatch</a></cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 2236 2237 2238 2239 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-21835"> 2240 February 8, 2022 at 2:26 pm</a> </div><!-- .comment-meta .commentmetadata --> 2241 2242 <div class="comment-body"><p>The inflation numbers are definitely nudged here and there by tweaks to the indexes, but CPI is the only official number we have. By the way, inflation from Dec 2011 to Dec 2021 averaged 2.1%, the highest for any 10-year period since the era ending in 2014. The difference “this time” (meaning the pandemic era) is that both Congress and the Fed poured massive stimulus into the system, including multiple direct payments to families. That was unlike the 2009 stimulus, which poured money into banks, but not directly to people. All of that stimulus is now ending, but if “inflation psychology” has set it (and your comments indicate you think it has) then future inflation will be hard to pull back down below the 3% to 4% range.</p> 2243</div> 2244 2245 <div class="reply"> 2246 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=21835#respond" data-commentid="21835" data-postid="2291" data-belowelement="comment-21835" data-respondelement="respond" data-replyto="Reply to Tipswatch" aria-label="Reply to Tipswatch">Reply</a> </div><!-- .reply --> 2247 </div><!-- #comment-## --> 2248 2249 </li><!-- #comment-## --> 2250 <li class="comment odd alt depth-2" id="li-comment-22031"> 2251 <div id="comment-22031"> 2252 <div class="comment-author vcard"> 2253 <img referrerpolicy="no-referrer" alt='Len's avatar' src='https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=40&d=identicon&r=G' srcset='https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=40&d=identicon&r=G 1x, https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=60&d=identicon&r=G 1.5x, https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=80&d=identicon&r=G 2x, https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=120&d=identicon&r=G 3x, https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Len</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 2254 2255 2256 2257 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-22031"> 2258 February 26, 2022 at 7:44 am</a> </div><!-- .comment-meta .commentmetadata --> 2259 2260 <div class="comment-body"><p>Same view here. If the CPI were calculated as it was in the Eighties inflation would be 3-5 percent higher than as stated now. The Bureau of Labor Statistics (BLS) invented the term ” hedonic quality adjustment”. If my new computer is ‘better’ than the old one but costs more? They derate the cost of the new one, as an example. Cute.</p> 2261</div> 2262 2263 <div class="reply"> 2264 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=22031#respond" data-commentid="22031" data-postid="2291" data-belowelement="comment-22031" data-respondelement="respond" data-replyto="Reply to
2264Len" aria-label="Reply to Len">Reply</a> </div><!-- .reply --> 2265 </div><!-- #comment-## --> 2266 2267 <ul class="children"> 2268 <li class="comment even depth-3" id="li-comment-22443"> 2269 <div id="comment-22443"> 2270 <div class="comment-author vcard"> 2271 <img referrerpolicy="no-referrer" alt='John Endicott's avatar' src='https://1.gravatar.com/avatar/1c50b2ab29022217c2e3fe0f1adf2287d83f7cf6ae00308b997d5a1579fb2c85?s=40&d=identicon&r=G' srcset='https://1.gravatar.com/avatar/1c50b2ab29022217c2e3fe0f1adf2287d83f7cf6ae00308b997d5a1579fb2c85?s=40&d=identicon&r=G 1x, https://1.gravatar.com/avatar/1c50b2ab29022217c2e3fe0f1adf2287d83f7cf6ae00308b997d5a1579fb2c85?s=60&d=identicon&r=G 1.5x, https://1.gravatar.com/avatar/1c50b2ab29022217c2e3fe0f1adf2287d83f7cf6ae00308b997d5a1579fb2c85?s=80&d=identicon&r=G 2x, https://1.gravatar.com/avatar/1c50b2ab29022217c2e3fe0f1adf2287d83f7cf6ae00308b997d5a1579fb2c85?s=120&d=identicon&r=G 3x, https://1.gravatar.com/avatar/1c50b2ab29022217c2e3fe0f1adf2287d83f7cf6ae00308b997d5a1579fb2c85?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">John Endicott</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 2272 2273 2274 2275 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-22443"> 2276 April 12, 2022 at 9:11 am</a> </div><!-- .comment-meta .commentmetadata --> 2277 2278 <div class="comment-body"><p>Well , they do have a point whether you want to agree with the point or not.</p> 2279<p>The computer one could have bought for 500 dollars 5 years ago is not the same as a computer one can buy today for $500. To simply compare the two on sticker price would be an apples (the fruit, not the brand) to oranges comparison as they are not the same product despite both being called a computer. If you were to buy exactly the same exact spec’d computer today as you could then, the cost would be much less than $500 whereas to buy todays $500 computer back them it would have been much much more (assuming it was even possible, as some of the newer iterations of components weren’t even developed yet back then).</p> 2280</div> 2281 2282 <div class="reply"> 2283 </div><!-- .reply --> 2284 </div><!-- #comment-## --> 2285 2286 </li><!-- #comment-## --> 2287 <li class="comment odd alt depth-3" id="li-comment-22446"> 2288 <div id="comment-22446"> 2289 <div class="comment-author vcard"> 2290 <img referrerpolicy="no-referrer" alt='Len's avatar' src='https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=40&d=identicon&r=G' srcset='https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=40&d=identicon&r=G 1x, https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=60&d=identicon&r=G 1.5x, https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=80&d=identicon&r=G 2x, https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=120&d=identicon&r=G 3x, https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Len</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 2291 2292 2293 2294 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-22446"> 2295 April 12, 2022 at 11:32 am</a> </div><!-- .comment-meta .commentmetadata --> 2296 2297 <div class="comment-body"><p>Well said, but it is the essentials that should be the focus I think.<br /> 2298Food, clothing, housing, transportation, medical care.<br /> 2299I thank whatever gids may be a computer is, not yet, essential.<br /> 2300Cheers</p> 2301</div> 2302 2303 <div class="reply"> 2304 </div><!-- .reply --> 2305 </div><!-- #comment-## --> 2306 2307 </li><!-- #comment-## --> 2308</ul><!-- .children --> 2309</li><!-- #comment-## --> 2310</ul><!-- .children --> 2311</li><!-- #comment-## --> 2312 <li class="comment even thread-even depth-1" id="li-comment-21821"> 2313 <div id="comment-21821"> 2314 <div class="comment-author vcard"> 2315 <img referrerpolicy="no-referrer" alt='William Eckhart's avatar' src='https://2.gravatar.com/avatar/b1403dac80b82865e61aa359ff859d9f4df75dd9c70a997c1cb7196f3d0fe7fa?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/b1403dac80b82865e61aa359ff859d9f4df75dd9c70a997c1cb7196f3d0fe7fa?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/b1403dac80b82865e61aa359ff859d9f4df75dd9c70a997c1cb7196f3d0fe7fa?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/b1403dac80b82865e61aa359ff859d9f4df75dd9c70a997c1cb7196f3d0fe7fa?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/b1403dac80b82865e61aa359ff859d9f4df75dd9c70a997c1cb7196f3d0fe7fa?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/b1403dac80b82865e61aa359ff859d9f4df75dd9c70a997c1cb7196f3d0fe7fa?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">William Eckhart</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 2316 2317 2318 2319 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-21821"> 2320 February 7, 2022 at 12:15 pm</a> </div><!-- .comment-meta .commentmetadata --> 2321 2322 <div class="comment-body"><p>I have a question about compounding. I understand the value of my Ibonds shown in Treasury Direct has the most recent 3 months of interest deducted. When does the compounding take place? On the 6 month anniversary of my purchase date or on the 2 dates each year when the variable rate changes? Also, for compounding purposes is the 3 month of interest penalty included in the amount to be compounded or left out?</p> 2323</div> 2324 2325 <div class="reply"> 2326 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=21821#respond" data-commentid="21821" data-postid="2291" data-belowelement="comment-21821" data-respondelement="respond" data-replyto="Reply to William Eckhart" aria-label="Reply to William Eckhart">Reply</a> </div><!-- .reply --> 2327 </div><!-- #comment-## --> 2328 2329 <ul class="children"> 2330 <li class="comment byuser comment-author-tipswatch bypostauthor odd alt depth-2" id="li-comment-21822"> 2331 <div id="comment-21822"> 2332 <div class="comment-author vcard"> 2333 <img referrerpolicy="no-referrer" alt='Tipswatch's avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn"><a href="http://www.tipswatch.com" class="url" rel="ugc external nofollow">Tipswatch</a></cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 2334 2335 2336 2337 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-21822"> 2338 February 7, 2022 at 3:08 pm</a> </div><!-- .comment-meta .commentmetadata --> 2339 2340 <div class="comment-body"><p>TreasuryDirect says this: “I bonds increase in value on the first day of each month, and interest is compounded semiannually based on each I bond’s issue date.” I would think the three-month penalty does not have any effect on compounding.</p> 2341</div> 2342 2343 <div class="reply"> 2344 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=21822#respond" data-commentid="21822" data-postid="2291" data-belowelement="comment-21822" data-respondelement="respond" data-replyto="Reply to Tipswatch" aria-label="Reply to Tipswatch">Reply</a> </div><!-- .reply --> 2345 </div><!-- #comment-## --> 2346 2347 <ul class="children"> 2348 <li class="comment even depth-3" id="li-comment-29023"> 2349 <div id="comment-29023"> 2350 <div class="comment-author vcard"> 2351 <img referrerpolicy="no-referrer" alt='Alan Hyman's avatar' src='https://1.gravatar.com/avatar/d9a2a1c38ef528f952973fe31daf4c9ae4bd563bf793cfd43e141225685edd5f?s=40&d=identicon&r=G' srcset='https://1.gravatar.com/avatar/d9a2a1c38ef528f952973fe31daf4c9ae4bd563bf793cfd43e141225685edd5f?s=40&d=identicon&r=G 1x, https://1.gravatar.com/avatar/d9a2a1c38ef528f952973fe31daf4c9ae4bd563bf793cfd43e141225685edd5f?s=60&d=identicon&r=G 1.5x, https://1.gravatar.com/avatar/d9a2a1c38ef528f952973fe31daf4c9ae4bd563bf793cfd43e141225685edd5f?s=80&d=identicon&r=G 2x, https://1.gravatar.com/avatar/d9a2a1c38ef528f952973fe31daf4c9ae4bd563bf793cfd43e141225685edd5f?s=120&d=identicon&r=G 3x, https://1.gravatar.com/avatar/d9a2a1c38ef528f952973fe31daf4c9ae4bd563bf793cfd43e141225685edd5f?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Alan Hyman</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 2352 2353 2354 2355 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-29023"> 2356 January 15, 2023 at 8:35 am</a> </div><!-- .comment-meta .commentmetadata --> 2357 2358 <div class="comment-body"><p>100% agree with Tipswatch that ” I would think the three-month penalty does not have any effect on compounding.” </p> 2359<p>There is no “compounding penalty” for the 3 month early withdrawal penalty and below is why. </p> 2360<p>Interest accrues MONTHLY and is added to the bond value on the 1st day of the next month. That is how the savings bond value grows EACH month.</p> 2361<p>Compounding is every six months on the semiannual anniversaries of each bond.</p> 2362</div> 2363 2364 <div class="reply"> 2365 </div><!-- .reply --> 2366 </div><!-- #comment-## --> 2367 2368 </li><!-- #comment-## --> 2369</ul><!-- .children --> 2370</li><!-- #comment-## --> 2371</ul><!-- .children --> 2372</li><!-- #comment-## --> 2373 <li class="comment odd alt thread-odd thread-alt depth-1" id="li-comment-21506"> 2374 <div id="comment-21506"> 2375 <div class="comment-author vcard"> 2376 <img referrerpolicy="no-referrer" alt='Kevin Winsch's avatar' src='https://0.gravatar.com/avatar/fd5b9580a4ec5c5cf85bcd1fb9f0ceaab8939ca17e42678687f38db3943209e1?s=40&d=identicon&r=G' srcset='https://0.gravatar.com/avatar/fd5b9580a4ec5c5cf85bcd1fb9f0ceaab8939ca17e42678687f38db3943209e1?s=40&d=identicon&r=G 1x, https://0.gravatar.com/avatar/fd5b9580a4ec5c5cf85bcd1fb9f0ceaab8939ca17e42678687f38db3943209e1?s=60&d=identicon&r=G 1.5x, https://0.gravatar.com/avatar/fd5b9580a4ec5c5cf85bcd1fb9f0ceaab8939ca17e42678687f38db3943209e1?s=80&d=identicon&r=G 2x, https://0.gravatar.com/avatar/fd5b9580a4ec5c5cf85bcd1fb9f0ceaab8939ca17e42678687f38db3943209e1?s=120&d=identicon&r=G 3x, https://0.gravatar.com/avatar/fd5b9580a4ec5c5cf85bcd1fb9f0ceaab8939ca17e42678687f38db3943209e1?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Kevin Winsch</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 2377 2378 2379 2380 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-21506"> 2381 January 5, 2022 at 11:09 am</a> </div><!-- .comment-meta .commentmetadata --> 2382 2383 <div class="comment-body"><p>Dave, In the I Bond manifesto I read that the interest is earned on the last day of the month and posted to your account on the first of the following month. I bought $10,000 apiece for my wife and I in mid-Nov 2021, and no interest is posted yet (Jan 5, 2022). I emailed Treas Dir asking about interest posting but no response yet. Any thoughts?</p> 2384</div> 2385 2386 <div class="reply"> 2387 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=21506#respond" data-commentid="21506" data-postid="2291" data-belowelement="comment-21506" data-respondelement="respond" data-replyto="Reply to Kevin Winsch" aria-label="Reply to Kevin Winsch">Reply</a> </div><!-- .reply --> 2388 </div><!-- #comment-## --> 2389 2390 <ul class="children"> 2391 <li class="comment byuser comment-author-tipswatch bypostauthor even depth-2" id="li-comment-21508"> 2392 <div id="comment-21508"> 2393 <div class="comment-author vcard"> 2394 <img referrerpolicy="no-referrer" alt='Tipswatch's avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn"><a href="http://www.tipswatch.com" class="url" rel="ugc external nofollow">Tipswatch</a></cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 2395 2396 2397 2398 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-21508"> 2399 January 5, 2022 at 12:02 pm</a> </div><!-- .comment-meta .commentmetadata --> 2400 2401 <div class="comment-body"><p>The interest postings on TreasuryDirect will exclude the last three months of interest until you have held the I Bond for five years. From the
2401ir site: ” If you use TreasuryDirect or the Savings Bond Calculator to find the value of a bond less than five years old, the value displayed reflects the three-month penalty; that is, the amount of the penalty has been subtracted already.”</p> 2402</div> 2403 2404 <div class="reply"> 2405 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=21508#respond" data-commentid="21508" data-postid="2291" data-belowelement="comment-21508" data-respondelement="respond" data-replyto="Reply to Tipswatch" aria-label="Reply to Tipswatch">Reply</a> </div><!-- .reply --> 2406 </div><!-- #comment-## --> 2407 2408 <ul class="children"> 2409 <li class="comment odd alt depth-3" id="li-comment-21510"> 2410 <div id="comment-21510"> 2411 <div class="comment-author vcard"> 2412 <img referrerpolicy="no-referrer" alt='JeffT's avatar' src='https://1.gravatar.com/avatar/a26bacb3b72113d95986803026223c28411488d8a5193b446f28934978d73116?s=40&d=identicon&r=G' srcset='https://1.gravatar.com/avatar/a26bacb3b72113d95986803026223c28411488d8a5193b446f28934978d73116?s=40&d=identicon&r=G 1x, https://1.gravatar.com/avatar/a26bacb3b72113d95986803026223c28411488d8a5193b446f28934978d73116?s=60&d=identicon&r=G 1.5x, https://1.gravatar.com/avatar/a26bacb3b72113d95986803026223c28411488d8a5193b446f28934978d73116?s=80&d=identicon&r=G 2x, https://1.gravatar.com/avatar/a26bacb3b72113d95986803026223c28411488d8a5193b446f28934978d73116?s=120&d=identicon&r=G 3x, https://1.gravatar.com/avatar/a26bacb3b72113d95986803026223c28411488d8a5193b446f28934978d73116?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">JeffT</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 2413 2414 2415 2416 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-21510"> 2417 January 5, 2022 at 1:18 pm</a> </div><!-- .comment-meta .commentmetadata --> 2418 2419 <div class="comment-body"><p>And when the bond reaches the five-year point, you’ll get three months’ worth of interest posted all at once. Feels like Xmas.</p> 2420</div> 2421 2422 <div class="reply"> 2423 </div><!-- .reply --> 2424 </div><!-- #comment-## --> 2425 2426 </li><!-- #comment-## --> 2427</ul><!-- .children --> 2428</li><!-- #comment-## --> 2429</ul><!-- .children --> 2430</li><!-- #comment-## --> 2431 <li class="comment even thread-even depth-1" id="li-comment-21465"> 2432 <div id="comment-21465"> 2433 <div class="comment-author vcard"> 2434 <img referrerpolicy="no-referrer" alt='Charles W.'s avatar' src='https://1.gravatar.com/avatar/7e165a06d240d415ec326acb8d341de936c14000237a97b050f2fe0307f41753?s=40&d=identicon&r=G' srcset='https://1.gravatar.com/avatar/7e165a06d240d415ec326acb8d341de936c14000237a97b050f2fe0307f41753?s=40&d=identicon&r=G 1x, https://1.gravatar.com/avatar/7e165a06d240d415ec326acb8d341de936c14000237a97b050f2fe0307f41753?s=60&d=identicon&r=G 1.5x, https://1.gravatar.com/avatar/7e165a06d240d415ec326acb8d341de936c14000237a97b050f2fe0307f41753?s=80&d=identicon&r=G 2x, https://1.gravatar.com/avatar/7e165a06d240d415ec326acb8d341de936c14000237a97b050f2fe0307f41753?s=120&d=identicon&r=G 3x, https://1.gravatar.com/avatar/7e165a06d240d415ec326acb8d341de936c14000237a97b050f2fe0307f41753?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Charles W.</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 2435 2436 2437 2438 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-21465"> 2439 January 2, 2022 at 12:05 am</a> </div><!-- .comment-meta .commentmetadata --> 2440 2441 <div class="comment-body"><p>Thanks David â I am new to inflation-protected securities, and Iâve really enjoyed your content as Iâve studied-up on the concept. I happened upon some mass media coverage of I bonds in November. After doing some research, I determined it is easily in my interest to move funds from a savings account earning 0.5% to I bonds, if only for a year. Given the current trajectory of the CPI-U index, it will likely be longer than that.</p> 2442<p>In addition to double-dipping for myself, I am considering an I bond gift to my minor children (2 years old and 6 months old). My intention would be to issue the gift and hold it in my gift box until my children approach adulthood â mostly to diversify the ways I am saving for their educations/weddings/home purchase/whatever else a parent might help a young adult achieve.</p> 2443<p>However, the one issue that gives me pause, is with a fixed rate of 0% â would I regret the investment if we hit a prolonged period of low inflation, so the earnings drop to little-to-none and were uncompetitive with CDs/Online Savings Accounts/M
2443oney Markets. Would I then be in for tax complications I donât understand if I wanted to divest of the I-bonds on my childrenâs behalf?</p> 2444<p>Obviously, you donât have an inflation crystal ball, and I am not seeking (and I assume you would not provide) tax advice. However, I wonder whether you have general thoughts about I bonds as a potential gift/investment vehicle for minor children. Perhaps youâve written a post here I havenât com across. </p> 2445<p>Thanks for your thoughts and for this thorough and informative page.</p> 2446<p>Charles</p> 2447</div> 2448 2449 <div class="reply"> 2450 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=21465#respond" data-commentid="21465" data-postid="2291" data-belowelement="comment-21465" data-respondelement="respond" data-replyto="Reply to Charles W." aria-label="Reply to Charles W.">Reply</a> </div><!-- .reply --> 2451 </div><!-- #comment-## --> 2452 2453 <ul class="children"> 2454 <li class="comment byuser comment-author-tipswatch bypostauthor odd alt depth-2" id="li-comment-21468"> 2455 <div id="comment-21468"> 2456 <div class="comment-author vcard"> 2457 <img referrerpolicy="no-referrer" alt='Tipswatch's avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn"><a href="http://www.tipswatch.com" class="url" rel="ugc external nofollow">Tipswatch</a></cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 2458 2459 2460 2461 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-21468"> 2462 January 2, 2022 at 8:30 am</a> </div><!-- .comment-meta .commentmetadata --> 2463 2464 <div class="comment-body"><p>I haven’t used the “gift box” technique, but you could also look at creating TreasuryDirect custodian accounts for each child and purchasing the I Bonds there. (I have no experience with that, either.) I wouldn’t be too concerned about the 0.0% fixed rate, but yes, that rate could increase in the future. You could ladder the purchases — buying some each year for several years — to give yourself a chance at a higher fixed rate in the future. I Bonds are a tool for capital preservation, not wealth building, so basically the money you put into I Bonds will simply get pushed out into the future, with inflation protection. Could you combine I Bonds with some asset allocation to the total stock market for your children? Anyway, I am just a financial journalist, not an adviser.</p> 2465</div> 2466 2467 <div class="reply"> 2468 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=21468#respond" data-commentid="21468" data-postid="2291" data-belowelement="comment-21468" data-respondelement="respond" data-replyto="Reply to Tipswatch" aria-label="Reply to Tipswatch">Reply</a> </div><!-- .reply --> 2469 </div><!-- #comment-## --> 2470 2471 </li><!-- #comment-## --> 2472</ul><!-- .children --> 2473</li><!-- #comment-## --> 2474 <li class="post pingback"> 2475 <p>Pingback: <a href="https://moneymondays.net/repost-us-treasury-bonds-rate-set-to-increase-to-7-12-rate-i-bonds/" class="url" rel="ugc external nofollow">[Repost] US Treasury Bonds Rate Set To Increase To 7.12% Rate (I Bonds) – Money Mondays</a></p> 2476 </li><!-- #comment-## --> 2477 <li class="comment even thread-odd thread-alt depth-1" id="li-comment-21009"> 2478 <div id="comment-21009"> 2479 <div class="comment-author vcard"> 2480 <img referrerpolicy="no-referrer" alt='Arun Desai's avatar' src='https://2.gravatar.com/avatar/e20f2bd0702a61b86d4515a8bf6846a759d67070443139d8ae079e84c1b5d516?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/e20f2bd0702a61b86d4515a8bf6846a759d67070443139d8ae079e84c1b5d516?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/e20f2bd0702a61b86d4515a8bf6846a759d67070443139d8ae079e84c1b5d516?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/e20f2bd0702a61b86d4515a8bf6846a759d67070443139d8ae079e84c1b5d516?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/e20f2bd0702a61b86d4515a8bf6846a759d67070443139d8ae079e84c1b5d516?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/e20f2bd0702a61b86d4515a8bf6846a759d67070443139d8ae079e84c1b5d516?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Arun Desai</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 2481 2482 2483 2484 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-21009"> 2485 December 13, 2021 at 8:20 pm</a> </div><!-- .comment-meta .commentmetadata --> 2486 2487 <div class="comment-body"><p>I would like to know if I can make additional $5000 payment to IRS, and buy paper I-Bonds from the refund that I get when I file my taxes in March/April of 2022.<br /> 2488Any has used this method to buy additional paper I-Bonds from the refund.</p> 2489</div> 2490 2491 <div class="reply"> 2492 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=21009#respond" data-commentid="21009" data-postid="2291" data-belowelement="comment-21009" data-respondelement="respond" data-replyto="Reply to Arun Desai" aria-label="Reply to Arun Desai">Reply</a> </div><!-- .reply --> 2493 </div><!-- #comment-## --> 2494 2495 <ul class="children"> 2496 <li class="comment byuser comment-author-tipswatch bypostauthor odd alt depth-2" id="li-comment-21017"> 2497 <div id="comment-21017"> 2498 <div class="comment-author vcard"> 2499 <img referrerpolicy="no-referrer" alt='Tipswatch's avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn"><a href="http://www.tipswatch.com" class="url" rel="ugc external nofollow">Tipswatch</a></cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 2500 2501 2502 2503 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-21017"> 2504 December 14, 2021 at 9:04 am</a> </div><!-- .comment-meta .commentmetadata --> 2505 2506 <div class="comment-body"><p>Many people do this. You will need to overpay your 2021 federal taxes by $5,000 and then can claim the paper I Bond in lieu of your tax refund. I’d suggest filing by mid-March to make sure you get an I Bond issued before May 1.</p> 2507</div> 2508 2509 <div class="reply"> 2510 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=21017#respond" data-commentid="21017" data-postid="2291" data-belowelement="comment-21017" data-respondelement="respond" data-replyto="Reply to Tipswatch" aria-label="Reply to Tipswatch">Reply</a> </div><!-- .reply --> 2511 </div><!-- #comment-## --> 2512 2513 </li><!-- #comment-## --> 2514</ul><!-- .children --> 2515</li><!-- #comment-## --> 2516 <li class="post pingback"> 2517 <p>Pingback: <a href="https://tipswatch.com/2021/11/05/first-rule-of-i-bonds-dont-rush-to-sell-your-i-bonds/" class="url" rel="ugc">First rule of I Bonds: Don’t rush to sell your I Bonds | Treasury Inflation-Protected Securities</a></p> 2518 </li><!-- #comment-## --> 2519 <li class="comment even thread-even depth-1" id="li-comment-20601"> 2520 <div id="comment-20601"> 2521 <div class="comment-author vcard"> 2522 <img referrerpolicy="no-referrer" alt='Richard Kraus's avatar' src='https://0.gravatar.com/avatar/3f60c19d98f2111a11cd1f2c78e36d4641d272cdf03fce55762389fcbfa344d1?s=40&d=identicon&r=G' srcset='https://0.gravatar.com/avatar/3f60c19d98f2111a11cd1f2c78e36d4641d272cdf03fce55762389fcbfa344d1?s=40&d=identicon&r=G 1x, https://0.gravatar.com/avatar/3f60c19d98f2111a11cd1f2c78e36d4641d272cdf03fce55762389fcbfa344d1?s=60&d=identicon&r=G 1.5x, https://0.gravatar.com/avatar/3f60c19d98f2111a11cd1f2c78e36d4641d272cdf03fce55762389fcbfa344d1?s=80&d=identicon&r=G 2x, https://0.gravatar.com/avatar/3f60c19d98f2111a11cd1f2c78e36d4641d272cdf03fce55762389fcbfa344d1?s=120&d=identicon&r=G 3x, https://0.gravatar.com/avatar/3f60c19d98f2111a11cd1f2c78e36d4641d272cdf03fce55762389fcbfa344d1?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Richard Kraus</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 2523 2524 2525 2526 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-20601"> 2527 October 29, 2021 at 7:49 pm</a> </div><!-- .comment-meta .commentmetadata --> 2528 2529 <div class="comment-body"><p>Enjoy your website data and articles. I am a fan of both I and EE bonds for my âlong termâ safe cash, buying each year to create a ladder: I think of EE as a 20 year CD and I Bonds as a flexible 5 to 30 year CD. Two concerns that can only be speculation at this point because there is no way to know how government policy will intersect with government debt, inflation and interest rates: 1) the $10K annual purchase limits for EE and for I (and the $5,000 limit on I Bonds for tax refunds) are not indexed for inflation so that limit will gradually be more restrictive over time and those limits have been subject to arbitrary decisions set in the past (once upon a time up to $30,000; then during the transition from paper bonds to electronic bonds, the limit was temporarily $5,000); 2) the EE original maturity date (the period it is guaranteed to double the original purchase) is subject to change: for example in May 1995 it was changed from 12 to 17 years, then it was changed to 20 years in June 2003 and has surprisingly remained there ever since as of late 2021. The 20 years to double are what create the 3.5% annual rate. What are your thoughts on the purchase limits and the potential for change in the EE doubling date?</p> 2530</div> 2531 2532 <div class="reply"> 2533 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=20601#respond" data-commentid="20601" data-postid="2291" data-belowelement="comment-20601" data-respondelement="respond" data-replyto="Reply to Richard Kraus" aria-label="Reply to Richard Kraus">Reply</a> </div><!-- .reply --> 2534 </div><!-- #comment-## --> 2535 2536 <ul class="children"> 2537 <li class="comment byuser comment-author-tipswatch bypostauthor odd alt depth-2" id="li-comment-20602"> 2538 <div id="comment-20602"> 2539 <div class="comment-author vcard"> 2540 <img referrerpolicy="no-referrer" alt='Tipswatch's avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn"><a href="http://www.tipswatch.com" class="url" rel="ugc external nofollow">Tipswatch</a></cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 2541 2542 2543 2544 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-20602"> 2545 October 29, 2021 at 10:04 pm</a> </div><!-- .comment-meta .commentmetadata --> 2546 2547 <div class="comment-body"><p>I agree that the EE Bond terms — doubling the investment’s value in 20 years — are generous in today’s market, and the Treasury has raised that limit several times, but not recently. The doubling is counteracted by the 0.1% fixed rate for 19 years, 11 months, which probably chases most investors away from EE Bonds. The 20 year term makes EE Bonds viable as an “education fund” for a child, but any longer term would make them useless for that purpose. So the 20-year doubling makes sense, and should continue. </p> 2548<p>For I Bonds, I also agree that the $10,000 per person per year purchase limit should increase, maybe gradually, to at least $20,000 a year. But the Treasury has no incentive to do that right now, with the variable rate so high. So many investors look at I Bonds and say, “That’s not enough to make a difference in my portfolio.” That’s true, and it’s the reason investors should buy I Bonds every year, up to the limit if they can.</p> 2549</div> 2550 2551 <div class="reply"> 2552 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=20602#respond" data-commentid="20602" data-postid="2291" data-belowelement="comment-20602" data-respondelement="respond" data-replyto="Reply to Tipswatch" aria-label="Reply to Tipswatch">Reply</a> </div><!-- .reply --> 2553 </div><!-- #comment-## --> 2554 2555 </li><!-- #comment-## --> 2556</ul><!-- .children --> 2557</li><!-- #comment-## --> 2558 <li class="post pingback"> 2559 <p>
2559Pingback: <a href="https://theirrelevantinvestor.com/2021/10/20/animal-spirits-it-wasnt-transitory/" class="url" rel="ugc external nofollow">Animal Spirits: It Wasn't Transitory - The Irrelevant Investor</a></p> 2560 </li><!-- #comment-## --> 2561 <li class="post pingback"> 2562 <p>Pingback: <a href="https://robberger.com/i-bond-rates/" class="url" rel="ugc external nofollow">Series I Savings Bonds Rates (Updated October 2021) – RobBerger.com</a></p> 2563 </li><!-- #comment-## --> 2564 <li class="post pingback"> 2565 <p>Pingback: <a href="https://www.doctorofcredit.com/us-treasury-bonds-rate-set-to-increase-to-7-12-rate-i-bonds/" class="url" rel="ugc external nofollow">US Treasury Bonds Rate Set To Increase To 7.12% Rate (I Bonds) - Doctor Of Credit</a></p> 2566 </li><!-- #comment-## --> 2567 <li class="post pingback"> 2568 <p>Pingback: <a href="https://frankradtkee.wordpress.com/2021/10/04/us-i-bonds-seem-to-be-pretty-at-a-pretty-good-rate-this-6-month-period-and-are-looking-better-for-next-im-curious-if-i-happen-to-be-missing-something/" class="url" rel="ugc external nofollow">US I Bonds seem to be pretty at a pretty good rate this 6 month period and are looking better for next. I’m curious if I happen to be missing something – Frank Radtkee</a></p> 2569 </li><!-- #comment-## --> 2570 <li class="comment even thread-odd thread-alt depth-1" id="li-comment-18814"> 2571 <div id="comment-18814"> 2572 <div class="comment-author vcard"> 2573 <img referrerpolicy="no-referrer" alt='Paul's avatar' src='https://2.gravatar.com/avatar/26de7e38d6e698ad24169493f9cc80d20293a000359cd576d561081a8bd1a9b6?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/26de7e38d6e698ad24169493f9cc80d20293a000359cd576d561081a8bd1a9b6?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/26de7e38d6e698ad24169493f9cc80d20293a000359cd576d561081a8bd1a9b6?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/26de7e38d6e698ad24169493f9cc80d20293a000359cd576d561081a8bd1a9b6?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/26de7e38d6e698ad24169493f9cc80d20293a000359cd576d561081a8bd1a9b6?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/26de7e38d6e698ad24169493f9cc80d20293a000359cd576d561081a8bd1a9b6?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Paul</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 2574 2575 2576 2577 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-18814"> 2578 April 29, 2021 at 12:12 pm</a> </div><!-- .comment-meta .commentmetadata --> 2579 2580 <div class="comment-body"><p>“Savings Bond Wizard” isn’t available anymore and has not been for a couple of years, as I recall!B</p> 2581</div> 2582 2583 <div class="reply"> 2584 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=18814#respond" data-commentid="18814" data-postid="2291" data-belowelement="comment-18814" data-respondelement="respond" data-replyto="Reply to Paul" aria-label="Reply to Paul">Reply</a> </div><!-- .reply --> 2585 </div><!-- #comment-## --> 2586 2587 <ul class="children"> 2588 <li class="comment byuser comment-author-tipswatch bypostauthor odd alt depth-2" id="li-comment-18815"> 2589 <div id="comment-18815"> 2590 <div class="comment-author vcard"> 2591 <img referrerpolicy="no-referrer" alt='Tipswatch's avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn"><a href="http://www.tipswatch.com" class="url" rel="ugc external nofollow">Tipswatch</a></cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 2592 2593 2594 2595 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-188
259515"> 2596 April 29, 2021 at 10:31 pm</a> </div><!-- .comment-meta .commentmetadata --> 2597 2598 <div class="comment-body"><p>That’s true, now we need to use the rather clumsy Savings Bond Calculator … <a href="https://seekingalpha.com/article/4179171-step-step-guide-to-using-treasurys-new-savings-bond-calculator" rel="nofollow ugc">https://seekingalpha.com/article/4179171-step-step-guide-to-using-treasurys-new-savings-bond-calculator</a></p> 2599</div> 2600 2601 <div class="reply"> 2602 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=18815#respond" data-commentid="18815" data-postid="2291" data-belowelement="comment-18815" data-respondelement="respond" data-replyto="Reply to Tipswatch" aria-label="Reply to Tipswatch">Reply</a> </div><!-- .reply --> 2603 </div><!-- #comment-## --> 2604 2605 </li><!-- #comment-## --> 2606</ul><!-- .children --> 2607</li><!-- #comment-## --> 2608 <li class="post pingback"> 2609 <p>Pingback: <a href="https://troytaft.amenme.com/10-articles-about-inflation-protected-bonds/" class="url" rel="ugc external nofollow">10 Articles About Inflation Protected Bonds | Troy Taft Blog</a></p> 2610 </li><!-- #comment-## --> 2611 <li class="comment byuser comment-author-amorris051017 even thread-even depth-1" id="li-comment-18557"> 2612 <div id="comment-18557"> 2613 <div class="comment-author vcard"> 2614 <img referrerpolicy="no-referrer" alt='Andrew Morris's avatar' src='https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Andrew Morris</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 2615 2616 2617 2618 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-18557"> 2619 March 7, 2021 at 1:46 pm</a> </div><!-- .comment-meta .commentmetadata --> 2620 2621 <div class="comment-body"><p>Re: purchasing an extra $5,000 worth of iBonds using my Tax Refund: Can that $5,000 tax refund be deposited directly to my Treasury Direct C of I account? Or must that refund be used to purchase paper iBonds? The Form 8888 instructions and the instructions on Treasury Direct seem ambiguous to me:</p> 2622<p>From Form 8888:<br /> 2623TreasuryDirect® Account<br /> 2624You can request a deposit of your refund (or part of it) to a TreasuryDirect® online account to buy U.S. Treasury marketable securities and savings bonds. For more information, go to <a href="http://go.usa.gov/3KvcP" rel="nofollow ugc">http://go.usa.gov/3KvcP</a>.<br /> 2625U.S. Series I Savings Bonds<br /> 2626You can request that your refund (or part of it) be used to buy up to $5,000 in series I savings bonds. You can buy them electronically by direct deposit into your TreasuryDirect® account. </p> 2627<p>From Treasury Direct:<br /> 2628Using Your Tax Refund for TreasuryDirect<br /> 2629Do you know you can have your tax refund directed to your TreasuryDirect account to use for Treasury security purchases?</p> 2630<p>TreasuryDirect offers flexible options for all your security purchases. One option to fund your account is to use your tax refund.</p> 2631<p>You can request the IRS or your state tax department to deposit your tax return directly into your TreasuryDirect account where you can use the funds to purchase savings bonds or marketable Treasury securities. All you need to do is provide TreasuryDirect’s routing number and your TreasuryDirect account number in the refund instructions on your tax return.</p> 2632<p>On your tax return, enter:<br /> 2633the TreasuryDirect routing number, 051736158, in the âRouting numberâ field.<br /> 2634your TreasuryDirect account number in the âAccount numberâ field.<br /> 2635âSavingsâ as the account type.<br /> 2636Providing these instructions in the ârefundâ area on your tax return will direct your refund to the Zero-Percent C of I in your TreasuryDirect account where it will be available to fund the purchase of one or more Treasury securities.</p> 2637<p>You can also use your refund to purchase Series I savings bonds in paper form.</p> 2638</div> 2639 2640 <div class="reply"> 2641 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=185
264157#respond" data-commentid="18557" data-postid="2291" data-belowelement="comment-18557" data-respondelement="respond" data-replyto="Reply to Andrew Morris" aria-label="Reply to Andrew Morris">Reply</a> </div><!-- .reply --> 2642 </div><!-- #comment-## --> 2643 2644 <ul class="children"> 2645 <li class="comment byuser comment-author-tipswatch bypostauthor odd alt depth-2" id="li-comment-18560"> 2646 <div id="comment-18560"> 2647 <div class="comment-author vcard"> 2648 <img referrerpolicy="no-referrer" alt='Tipswatch's avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn"><a href="http://www.tipswatch.com" class="url" rel="ugc external nofollow">Tipswatch</a></cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 2649 2650 2651 2652 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-18560"> 2653 March 7, 2021 at 3:35 pm</a> </div><!-- .comment-meta .commentmetadata --> 2654 2655 <div class="comment-body"><p>I’ve never used the tax refund method, and i had assumed you it would have to be in paper I Bonds, but the wording you present here makes it look like it can be sent to Treasury Direct. Then the question would be: Would that deposited money count against your $10,000 purchase cap?</p> 2656</div> 2657 2658 <div class="reply"> 2659 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=18560#respond" data-commentid="18560" data-postid="2291" data-belowelement="comment-18560" data-respondelement="respond" data-replyto="Reply to Tipswatch" aria-label="Reply to Tipswatch">Reply</a> </div><!-- .reply --> 2660 </div><!-- #comment-## --> 2661 2662 <ul class="children"> 2663 <li class="comment byuser comment-author-amorris051017 even depth-3" id="li-comment-18570"> 2664 <div id="comment-18570"> 2665 <div class="comment-author vcard"> 2666 <img referrerpolicy="no-referrer" alt='Andrew Morris's avatar' src='https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Andrew Morris</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 2667 2668 2669 2670 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-18570"> 2671 March 8, 2021 at 12:53 am</a> </div><!-- .comment-meta .commentmetadata --> 2672 2673 <div class="comment-body"><p>Exactly – that is my question. I guess I’ll contact Treasury Direct for clarification. I actually had luck in the past getting a helpful response from Treasury Direct to a question I’d posed. Not sure how to go about getting clarification from the IRS.</p> 2674</div> 2675 2676 <div class="reply"> 2677 </div><!-- .reply --> 2678 </div><!-- #comment-## --> 2679 2680 </li><!-- #comment-## --> 2681 <li class="comment byuser comment-author-amorris051017 odd alt depth-3" id="li-comment-18582"> 2682 <div id="comment-18582"> 2683 <div class="comment-author vcard"> 2684 <img referrerpolicy="no-referrer" alt='Andrew Morris's avatar' src='https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Andrew Morris</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 2685 2686 2687 2688 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-18582"> 2689 March 9, 2021 at 12:41 pm</a> </div><!-- .comment-meta .commentmetadata --> 2690 2691 <div class="comment-body"><p>Here’s the response I got from Treasury Direct:</p> 2692<p>“You must purchase the paper securities and then the electronic separate. If you put it all in your TreasuryDirect account you will only be entitiled to purchase the $10,000 limit.”</p> 2693</div> 2694 2695 <div class="reply"> 2696 </div><!-- .reply --> 2697 </div><!-- #comment-## --> 2698 2699 </li><!-- #comment-## --> 2700 <li class="comment byuser comment-author-amorris051017 even depth-3" id="li-comment-18717"> 2701 <div id="comment-18717"> 2702 <div class="comment-author vcard"> 2703 <img referrerpolicy="no-referrer" alt='Andrew Morris's avatar' src='https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Andrew Morris</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 2704 2705 2706 2707 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-18717"> 2708 April 12, 2021 at 1:09 pm</a> </div><!-- .comment-meta .commentmetadata --> 2709 2710 <div class="comment-body"><p>In case anyone is interested I did the tax refund method and received $5,000 worth of paper iBonds a little more than three weeks after filing my tax return. They were sent in denominations of (6) $50, (1) $200, (1) $500, (4) $1000 paper iBonds in twelve (count ’em that’s 12) separate envelopes all delivered by the USPS on the same day (in spite of Louis DeJoy’s best efforts). Since I already have a Treasury Direct account, the next step for me was going into my Treasury Direct account to convert the paper iBonds into electronic iBonds which results in the creation of a manifest which one prints out, signs and mails with the unsigned (12) paper iBonds to a Treasury office. Those were mailed this past Saturday (certified mail/return receipt requested). </p> 2711<p>
2711So up to this point in time this seems to have worked just fine — I don’t know if I will do it again in the future as I don’t know that I want to spend time worrying about the the performance of the postal service and the IRS. And it was a bit time consuming explaining to my accountant that you could do this using IRS Form 8888, dealing with the conversion on Treasury Direct and traveling to and waiting in line at the post office to mail the paper iBonds to Treasury via certified mail. But at the least it’s been an interesting exercise.</p> 2712</div> 2713 2714 <div class="reply"> 2715 </div><!-- .reply --> 2716 </div><!-- #comment-## --> 2717 2718 </li><!-- #comment-## --> 2719 <li class="comment byuser comment-author-tipswatch bypostauthor odd alt depth-3" id="li-comment-18718"> 2720 <div id="comment-18718"> 2721 <div class="comment-author vcard"> 2722 <img referrerpolicy="no-referrer" alt='Tipswatch's avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn"><a href="http://www.tipswatch.com" class="url" rel="ugc external nofollow">Tipswatch</a></cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 2723 2724 2725 2726 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-18718"> 2727 April 12, 2021 at 1:51 pm</a> </div><!-- .comment-meta .commentmetadata --> 2728 2729 <div class="comment-body"><p>Great info, thanks, Andrew.</p> 2730</div> 2731 2732 <div class="reply"> 2733 </div><!-- .reply --> 2734 </div><!-- #comment-## --> 2735 2736 </li><!-- #comment-## --> 2737</ul><!-- .children --> 2738</li><!-- #comment-## --> 2739</ul><!-- .children --> 2740</li><!-- #comment-## --> 2741 <li class="comment even thread-odd thread-alt depth-1" id="li-comment-18022"> 2742 <div id="comment-18022"> 2743 <div class="comment-author vcard"> 2744 <img referrerpolicy="no-referrer" alt='Mark in LA's avatar' src='https://0.gravatar.com/avatar/04f5a4bcc95ffb955736a41b367c93a1d92cab169a42508ab6c474507934edf0?s=40&d=identicon&r=G' srcset='https://0.gravatar.com/avatar/04f5a4bcc95ffb955736a41b367c93a1d92cab169a42508ab6c474507934edf0?s=40&d=identicon&r=G 1x, https://0.gravatar.com/avatar/04f5a4bcc95ffb955736a41b367c93a1d92cab169a42508ab6c474507934edf0?s=60&d=identicon&r=G 1.5x, https://0.gravatar.com/avatar/04f5a4bcc95ffb955736a41b367c93a1d92cab169a42508ab6c474507934edf0?s=80&d=identicon&r=G 2x, https://0.gravatar.com/avatar/04f5a4bcc95ffb955736a41b367c93a1d92cab169a42508ab6c474507934edf0?s=120&d=identicon&r=G 3x, https://0.gravatar.com/avatar/04f5a4bcc95ffb955736a41b367c93a1d92cab169a42508ab6c474507934edf0?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Mark in LA</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 2745 2746 2747 2748 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-18022"> 2749 December 31, 2020 at 4:31 pm</a> </div><!-- .comment-meta .commentmetadata --> 2750 2751 <div class="comment-body"><p>Hey Dave, It looks like you’re missing the six month periods Mar 2019 – Sep 2019 and Sep 2019 –
2751 Mar 2020 above. I believe those periods showed inflation of 1.01% and .53% respectively.</p> 2752</div> 2753 2754 <div class="reply"> 2755 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=18022#respond" data-commentid="18022" data-postid="2291" data-belowelement="comment-18022" data-respondelement="respond" data-replyto="Reply to Mark in LA" aria-label="Reply to Mark in LA">Reply</a> </div><!-- .reply --> 2756 </div><!-- #comment-## --> 2757 2758 <ul class="children"> 2759 <li class="comment byuser comment-author-tipswatch bypostauthor odd alt depth-2" id="li-comment-18023"> 2760 <div id="comment-18023"> 2761 <div class="comment-author vcard"> 2762 <img referrerpolicy="no-referrer" alt='Tipswatch's avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn"><a href="http://www.tipswatch.com" class="url" rel="ugc external nofollow">Tipswatch</a></cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 2763 2764 2765 2766 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-18023"> 2767 December 31, 2020 at 6:51 pm</a> </div><!-- .comment-meta .commentmetadata --> 2768 2769 <div class="comment-body"><p>Mark, thanks for noticing that. This happens because these image files are so large that they have to be broken up into several files. I seemed to have lost track where one ended and the other began. It is fixed now, and I set up a “reminder” in the Excel file to show the current live section. Appreciate it.</p> 2770</div> 2771 2772 <div class="reply"> 2773 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=18023#respond" data-commentid="18023" data-postid="2291" data-belowelement="comment-18023" data-respondelement="respond" data-replyto="Reply to Tipswatch" aria-label="Reply to Tipswatch">Reply</a> </div><!-- .reply --> 2774 </div><!-- #comment-## --> 2775 2776 </li><!-- #comment-## --> 2777</ul><!-- .children --> 2778</li><!-- #comment-## --> 2779 <li class="post pingback"> 2780 <p>Pingback: <a href="https://dividendsdiversify.com/i-bonds-for-investment-diversification/" class="url" rel="ugc external nofollow">I Bonds - I Like Them, Should You Too? | Dividends Diversify</a></p> 2781 </li><!-- #comment-## --> 2782 <li class="comment even thread-even depth-1" id="li-comment-13946"> 2783 <div id="comment-13946"> 2784 <div class="comment-author vcard"> 2785 <img referrerpolicy="no-referrer" alt='JeffT's avatar' src='https://1.gravatar.com/avatar/a26bacb3b72113d95986803026223c28411488d8a5193b446f28934978d73116?s=40&d=identicon&r=G' srcset='https://1.gravatar.com/avatar/a26bacb3b72113d95986803026223c28411488d8a5193b446f28934978d73116?s=40&d=identicon&r=G 1x, https://1.gravatar.com/avatar/a26bacb3b72113d95986803026223c28411488d8a5193b446f28934978d73116?s=60&d=identicon&r=G 1.5x, https://1.gravatar.com/avatar/a26bacb3b72113d95986803026223c28411488d8a5193b446f28934978d73116?s=80&d=identicon&r=G 2x, https://1.gravatar.com/avatar/a26bacb3b72113d95986803026223c28411488d8a5193b446f28934978d73116?s=120&d=identicon&r=G 3x, https://1.gravatar.com/avatar/a26bacb3b72113d95986803026223c28411488d8a5193b446f28934978d73116?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">JeffT</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 2786 2787 2788 2789 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-13946"> 2790 October 31, 2018 at 9:16 pm</a> </div><!-- .comment-meta .commentmetadata --> 2791 2792 <div class="comment-body"><p>Just one serious problem with having I Bonds through TreasuryDirect. They don’t issue account statements. Ever. The only proof you have of your bond ownership are screenshots, and they don’t contain enough information (like your full name, SSN, and address). Some people are very uneasy with this, and I can understand why. I read a post from one person who wanted to use his I Bond holdings as collateral for a loan, and had a devil of a time satisfying his lender that he did, in fact, own the bonds.</p> 2793</div> 2794 2795 <div class="reply"> 2796 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=13946#respond" data-commentid="13946" data-postid="2291" data-belowelement="comment-13946" data-respondelement="respond" data-replyto="Reply to JeffT" aria-label="Reply to JeffT">Reply</a> </div><!-- .reply --> 2797 </div><!-- #comment-## --> 2798 2799 <ul class="children"> 2800 <li class="comment odd alt depth-2" id="li-comment-20519"> 2801 <div id="comment-20519"> 2802 <div class="comment-author vcard"> 2803 <img referrerpolicy="no-referrer" alt='Paula Metz's avatar' src='https://0.gravatar.com/avatar/3dd48b16ca91ffaaca962ace5aa757ac86216b6f13f5459ef4ff582150be9e64?s=40&d=identicon&r=G' srcset='https://0.gravatar.com/avatar/3dd48b16ca91ffaaca962ace5aa757ac86216b6f13f5459ef4ff582150be9e64?s=40&d=identicon&r=G 1x, https://0.gravatar.com/avatar/3dd48b16ca91ffaaca962ace5aa757ac86216b6f13f5459ef4ff582150be9e64?s=60&d=identicon&r=G 1.5x, https://0.gravatar.com/avatar/3dd48b16ca91ffaaca962ace5aa757ac86216b6f13f5459ef4ff582150be9e64?s=80&d=identicon&r=G 2x, https://0.gravatar.com/avatar/3dd48b16ca91ffaaca962ace5aa757ac86216b6f13f5459ef4ff582150be9e64?s=120&d=identicon&r=G 3x, https://0.gravatar.com/avatar/3dd48b16ca91ffaaca962ace5aa757ac86216b6f13f5459ef4ff582150be9e64?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Paula Metz</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 2804 2805 2806 2807 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-20519"> 2808 October 21, 2021 at 10:50 pm</a> </div><!-- .comment-meta .commentmetadata --> 2809 2810 <div class="comment-body"><p>Also, does anyone know what would happen if your Treasury Direct account is hacked? Will the Treasury reimburse you if your electronic I-bonds are stolen?</p> 2811</div> 2812 2813 <div class="reply"> 2814 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=20519#respond" data-commentid="20519" data-postid="2291" data-belowelement="comment-20519" data-respondelement="respond" data-replyto="Reply to Paula Metz" aria-label="Reply to Paula Metz">Reply</a> </div><!-- .reply --> 2815 </div><!-- #comment-## --> 2816 2817 <ul class="children"> 2818 <li class="comment byuser comment-author-tipswatch bypostauthor even depth-3" id="li-comment-20523"> 2819 <div id="comment-20523"> 2820 <div class="comment-author vcard"> 2821 <img referrerpolicy="no-referrer" alt='Tipswatch's avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn"><a href="http://www.tipswatch.com" class="url" rel="ugc external nofollow">Tipswatch</a></cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 2822 2823 2824 2825 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-20523"> 2826 October 22, 2021 at 8:09 am</a> </div><!-- .comment-meta .commentmetadata --> 2827 2828 <div class="comment-body"><p>This has been the subject of a lot of debate. The general consensus is that if that if TreasuryDirect gets hacked in a broad attack, you would be protected. But if you give away your password in a personal phishing attack, you could have a loss. TreasuryDirect has a good security system with two-stage authentication and other safeguards. Nothing is perfect, though.</p> 2829</div> 2830 2831 <div class="reply"> 2832 </div><!-- .reply --> 2833 </div><!-- #comment-## --> 2834 2835 </li><!-- #comment-## --> 2836 <li class="comment odd alt depth-3" id="li-comment-20524"> 2837 <div id="comment-20524"> 2838 <div class="comment-author vcard"> 2839 <img referrerpolicy="no-referrer" alt='JeffT's avatar' src='https://1.gravatar.com/avatar/a26bacb3b72113d95986803026223c28411488d8a5193b446f28934978d73116?s=40&d=identicon&r=G' srcset='https://1.gravatar.com/avatar/a26bacb3b72113d95986803026223c28411488d8a5193b446f28934978d73116?s=40&d=identicon&r=G 1x, https://1.gravatar.com/avatar/a26bacb3b72113d95986803026223c28411488d8a5193b446f28934978d73116?s=60&d=identicon&r=G 1.5x, https://1.gravatar.com/avatar/a26bacb3b72113d95986803026223c28411488d8a5193b446f28934978d73116?s=80&d=identicon&r=G 2x, https://1.gravatar.com/avatar/a26bacb3b72113d95986803026223c28411488d8a5193b446f28934978d73116?s=120&d=identicon&r=G 3x, https://1.gravatar.com/avatar/a26bacb3b72113d95986803026223c28411488d8a5193b446f28934978d73116?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">JeffT</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 2840 2841 2842 2843 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-20524"> 2844 October 22, 2021 at 9:00 am</a> </div><!-- .comment-meta .commentmetadata --> 2845 2846 <div class="comment-body"><p>Yes, that sounds right. If you are careless with your checking account or brokerage account login credentials and someone cleans you out, the bank or brokerage isn’t going to make you whole, either.</p> 2847<p>And on the couple of occasions when I have done something like redeem a bond, or made a change to my linked checking account, I get an email within seconds. For someone to hack your account, it would take a coordinated effort to extract cash. Add in the two-factor authentication, and it becomes a fairly daunting task.</p> 2848<p>BTW, gotta love the upcoming interest rate reset, especially if you’ve got older bonds with a high base rate!</p> 2849</div> 2850 2851 <div class="reply"> 2852 </div><!-- .reply --> 2853 </div><!-- #comment-## --> 2854 2855 </li><!-- #comment-## --> 2856</ul><!-- .children --> 2857</li><!-- #comment-## --> 2858</ul><!-- .children --> 2859</li><!-- #comment-## --> 2860 <li class="comment even thread-odd thread-alt depth-1" id="li-comment-12822"> 2861 <div id="comment-12822"> 2862 <div class="comment-author vcard"> 2863 <img referrerpolicy="no-referrer" alt='cynthiapond's avatar' src='https://2.gravatar.com/avatar/8e44bd1b164920377f668c70d2265822ef706bd867cfdd7cbfbd1443fe99a195?s=40&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/8e44bd1b164920377f668c70d2265822ef706bd867cfdd7cbfbd1443fe99a195?s=40&d=identicon&r=G 1x, https://2.gravatar.com/avatar/8e44bd1b164920377f668c70d2265822ef706bd867cfdd7cbfbd1443fe99a195?s=60&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/8e44bd1b164920377f668c70d2265822ef706bd867cfdd7cbfbd1443fe99a195?s=80&d=identicon&r=G 2x, https://2.gravatar.com/avatar/8e44bd1b164920377f668c70d2265822ef706bd867cfdd7cbfbd1443fe99a195?s=120&d=identicon&r=G 3x, https://2.gravatar.com/avatar/8e44bd1b164920377f668c70d2265822ef706bd867cfdd7cbfbd1443fe99a195?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">cynthiapond</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 2864 2865 2866 2867 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-12822"> 2868 October 13, 2017 at 7:46 pm</a> </div><!-- .comment-meta .commentmetadata --> 2869 2870 <div class="comment-body"><p>Thank you for your info and explanations of I-bonds. I didn’t know where to find out about upcoming variable rates on I-bonds. I also didn’t know I could redeem my 2003 I-bond anytime if I wanted to (which I don’t). Your site is more helpful to me than Treasury Direct’s website. Thanks for maintaining your site.</p> 2871</div> 2872 2873 <div class="reply"> 2874 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=12822#respond" data-commentid="12822" data-postid="2291" data-belowelement="comment-12822" data-respondelement="respond" data-replyto="Reply to cynthiapond" aria-label="Reply to cynthiapond">Reply</a> </div><!-- .reply --> 2875 </div><!-- #comment-## --> 2876 2877 </li><!-- #comment-## --> 2878 <li class="comment odd alt thread-even depth-1" id="li-comment-11219"> 2879 <div id="comment-11219"> 2880 <div class="comment-author vcard"> 2881 <img referrerpolicy="no-referrer" alt='Lyle C.'s avatar' src='https://1.gravatar.com/avatar/7fd62810e50e707f42f38634268ca86050688f81db0870f0d1b05d8186e9ae7a?s=40&d=identicon&r=G' srcset='https://1.gravatar.com/avatar/7fd62810e50e707f42f38634268ca86050688f81db0870f0d1b05d8186e9ae7a?s=40&d=identicon&r=G 1x, https://1.gravatar.com/avatar/7fd62810e50e707f42f38634268ca86050688f81db0870f0d1b05d8186e9ae7a?s=60&d=identicon&r=G 1.5x, https://1.gravatar.com/avatar/7fd62810e50e707f42f38634268ca86050688f81db0870f0d1b05d8186e9ae7a?s=80&d=identicon&r=G 2x, https://1.gravatar.com/avatar/7fd62810e50e707f42f38634268ca86050688f81db0870f0d1b05d8186e9ae7a?s=120&d=identicon&r=G 3x, https://1.gravatar.com/avatar/7fd62810e50e707f42f38634268ca86050688f81db0870f0d1b05d8186e9ae7a?s=160&d=identicon&r=G 4x' class='avatar avatar-40' height='40' width='40' loading='lazy' decoding='async' /> <cite class="fn">Lyle C.</cite> <span class="says">says:</span> </div><!-- .comment-author .vcard --> 2882 2883 2884 2885 <div class="comment-meta commentmetadata"><a href="https://tipswatch.com/tracking-inflation-and-i-bonds/#comment-11219"> 2886 April 14, 2016 at 2:06 pm</a> </div><!-- .comment-meta .commentmetadata --> 2887 2888 <div class="comment-body"><p>Thanks Tipswatch, very useful info.</p> 2889</div> 2890 2891 <div class="reply"> 2892 <a rel="nofollow" class="comment-reply-link" href="https://tipswatch.com/tracking-inflation-and-i-bonds/?replytocom=11219#respond" data-commentid="11219" data-postid="2291" data-belowelement="comment-11219" data-respondelement="respond" data-replyto="Reply to
2892Lyle C." aria-label="Reply to Lyle C.">Reply</a> </div><!-- .reply --> 2893 </div><!-- #comment-## --> 2894 2895 </li><!-- #comment-## --> 2896 <li class="post pingback"> 2897 <p>Pingback: <a href="https://tipswatch.com/2015/01/16/deflation-continues-us-prices-fell-another-0-4-in-december/" class="url" rel="ugc">Deflation continues: US prices fell another 0.4% in December | Treasury Inflation-Protected Securities</a></p> 2898 </li><!-- #comment-## --> 2899 <li class="post pingback"> 2900 <p>Pingback: <a href="https://tipswatch.com/2014/12/17/u-s-inflation-fell-0-3-in-november/" class="url" rel="ugc">U.S. inflation fell 0.3% in November | Treasury Inflation-Protected Securities</a></p> 2901 </li><!-- #comment-## --> 2902 <li class="post pingback"> 2903 <p>Pingback: <a href="https://tipswatch.com/2014/10/20/i-bond-watchers-important-inflation-report-coming-wednesday-at-830-a-m/" class="url" rel="ugc">I Bond watchers: Important inflation report coming Wednesday at 8:30 a.m. | Treasury Inflation-Protected Securities</a></p> 2904 </li><!-- #comment-## --> 2905 <li class="post pingback"> 2906 <p>Pingback: <a href="https://tipswatch.com/2014/09/17/u-s-inflation-fell-0-2-in-august-what-does-it-mean-for-tips-and-i-bonds/" class="url" rel="ugc">U.S. inflation fell 0.2% in August, what does it mean for TIPS and I Bonds? | Treasury Inflation-Protected Securities</a></p> 2907 </li><!-- #comment-## --> 2908 <li class="post pingback"> 2909 <p>Pingback: <a href="https://tipswatch.com/2014/08/19/u-s-inflation-rose-a-moderate-0-1-in-july/" class="url" rel="ugc">U.S. inflation rose a moderate 0.1% in July | Treasury Inflation-Protected Securities</a></p> 2910 </li><!-- #comment-## --> 2911 <li class="post pingback"> 2912 <p>Pingback: <a href="https://tipswatch.com/2014/07/22/before-you-buy-that-10-year-tips-consider-an-i-bond/" class="url" rel="ugc">Before you buy that 10-year TIPS … consider an I Bond | Treasury Inflation-Protected Securities</a></p> 2913 </li><!-- #comment-## --> 2914 <li class="post pingback"> 2915 <p>Pingback: <a href="https://tipswatch.com/2014/07/22/u-s-inflation-rose-0-3-in-june/" class="url" rel="ugc">U.S. inflation rose 0.3% in June | Treasury Inflation-Protected Securities</a></p> 2916 </li><!-- #comment-## --> 2917 <li class="post pingback"> 2918 <p>Pingback: <a href="https://tipswatch.com/2014/07/17/up-next-new-10-year-tips-auction-july-24-2014/" class="url" rel="ugc">Up next: New 10-year TIPS auction July 24, 2014 | Treasury Inflation-Protected Securities</a></p> 2919 </li><!-- #comment-## --> 2920 <li class="post pingback"> 2921 <p>Pingback: <a href="https://tipswatch.com/2014/06/17/u-s-inflation-rose-a-sharp-0-4-in-may/" class="url" rel="ugc">U.S. inflation rose a sharp 0.4% in May | Treasury Inflation-Protected Securities</a></p> 2922 </li><!-- #comment-## --> 2923 <li class="post pingback"> 2924 <p>Pingback: <a href="https://tipswatch.com/2014/05/15/u-s-inflation-rose-0-3-in-april/" class="url" rel="ugc">U.S. inflation rose 0.3% in April | Treasury Inflation-Protected Securities</a></p> 2925 </li><!-- #comment-## --> 2926 <li class="post pingback"> 2927 <p>Pingback: <a href="https://tipswatch.com/2014/04/24/tracking-inflation-and-i-bonds-a-new-data-page/" class="url" rel="ugc">Tracking inflation and I Bonds: A new data page | Treasury Inflation-Protected Securities</a></p> 2928 </li><!-- #comment-## --> 2929 </ol> 2930 2931 2932 2933 2934 <div id="respond" class="comment-respond"> 2935 <h3 id="reply-title" class="comment-reply-title">Leave a comment <small><a rel="nofollow" id="cancel-comment-reply-link" href="/tracking-inflation-and-i-bonds/#respond" style="display:none;">Cancel reply</a></small></h3><form action="https://tipswatch.com/wp-comments-post.php" method="post" id="commentform" class="comment-form"> 2936 2937 2938<div class="comment-form__verbum transparent"></div><div class="verbum-form-meta"><input type='hidden' name='comment_post_ID' value='2291' id='comment_post_ID' /> 2939<input type='hidden' name='comment_parent' id='comment_parent' value='0' /> 2940 2941 <input type="hidden" name="highlander_comment_nonce" id="highlander_comment_nonce" value="40ce012325" /> 2942 <input type="hidden" name="verbum_show_subscription_modal" value="" /></div><p style="display: none;"><input type="hidden" id="akismet_comment_nonce" name="akismet_comment_nonce" value="
294203f99424ff" /></p><p style="display: none !important;" class="akismet-fields-container" data-prefix="ak_"><label>Δ<textarea name="ak_hp_textarea" cols="45" rows="8" maxlength="100"></textarea></label><input type="hidden" id="ak_js_1" name="ak_js" value="187"/>
2942<script> 2943document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); 2944</script>
2944 2945</p></form> </div><!-- #respond --> 2946 2947</div><!-- #comments --> 2948 2949 2950 </div><!-- #content --> 2951 </div><!-- #container --> 2952 2953 2954 <div id="primary" class="widget-area" role="complementary"> 2955 <ul class="xoxo"> 2956 2957<li id="search-2" class="widget-container widget_search"><form role="search" method="get" id="searchform" class="searchform" action="https://tipswatch.com/"> 2958 <div> 2959 <label class="screen-reader-text" for="s">Search for:</label> 2960 <input type="text" value="" name="s" id="s" /> 2961 <input type="submit" id="searchsubmit" value="Search" /> 2962 </div> 2963 </form></li><li id="blog_subscription-3" class="widget-container widget_blog_subscription jetpack_subscription_widget"><h3 class="widget-title"><label for="subscribe-field">Follow Blog via Email</label></h3> 2964 2965 <div class="wp-block-jetpack-subscriptions__container"> 2966 <form 2967 action="https://subscribe.wordpress.com" 2968 method="post" 2969 accept-charset="utf-8" 2970 data-blog="22028311" 2971 data-post_access_level="everybody" 2972 id="subscribe-blog" 2973 > 2974 <p>Enter your email address to follow this blog and receive notifications of new posts by email.</p> 2975 <p id="subscribe-email"> 2976 <label 2977 id="subscribe-field-label" 2978 for="subscribe-field" 2979 class="screen-reader-text" 2980 > 2981 Email Address: </label> 2982 2983 <input 2984 type="email" 2985 name="email" 2986 autocomplete="email" 2987 2988 style="width: 95%; padding: 1px 10px" 2989 placeholder="Email Address" 2990 value="" 2991 id="subscribe-field" 2992 required 2993 /> </p> 2994 2995 <p id="subscribe-submit" 2996 > 2997 <input type="hidden" name="action" value="subscribe"/> 2998 <input type="hidden" name="blog_id" value="22028311"/> 2999 <input type="hidden" name="source" value="https://tipswatch.com/tracking-inflation-and-i-bonds/"/> 3000 <input type="hidden" name="sub-type" value="widget"/> 3001 <input type="hidden" name="redirect_fragment" value="subscribe-blog"/> 3002 <input type="hidden" id="_wpnonce" name="_wpnonce" value="0385d96356" /> <button type="submit" 3003 class="wp-block-button__link" 3004 > 3005 Follow </button> 3006 </p> 3007 </form> 3008 </div> 3009 3010</li> 3011 <li id="recent-posts-2" class="widget-container widget_recent_entries"> 3012 <h3 class="widget-title">Recent Posts</h3> 3013 <ul> 3014 <li> 3015 <a href="https://tipswatch.com/2026/09/27/tremors-are-rippling-across-the-u-s-treasury-market/">Tremors are rippling across the U.S. Treasury market</a> 3016 </li> 3017 <li> 3018 <a href="https://tipswatch.com/2026/09/20/tips-vs-i-bonds-lets-do-the-math/">TIPS vs. I Bonds: Let’s do the math</a> 3019 </li> 3020 <li> 3021 <a href="https://tipswatch.com/2026/09/17/10-year-tips-reopening-gets-real-yield-of-2-653-highest-in-nearly-18-years/">10-year TIPS reopening gets real yield of 2.653%, highest in nearly 18 years</a> 3022 </li> 3023 <li> 3024 <a href="https://tipswatch.com/2026/09/14/heres-an-illustrated-guide-to-treasurydirects-new-login-process/">Here’s an illustrated guide to TreasuryDirect’s new login process</a> 3025 </li> 3026 <li> 3027 <a href="https://tipswatch.com/2026/09/13/this-weeks-10-year-tips-auction-has-strong-appeal/">This week’s 10-year TIPS auction has strong appeal</a> 3028 </li> 3029 <li> 3030 <a href="https://tipswatch.com/2026/09/11/u-s-inflation-holds-at-3-4-for-august-will-that-lead-to-a-rate-hike/">U.S. inflation holds at 3.4% for August. Will that lead to a rate hike?</a> 3031 </li> 3032 <li> 3033 <a href="https://tipswatch.com/2026/09/09/treasurydirect-provides-more-guidance-on-id-me-transition/">TreasuryDirect provides more guidance on ID.me transition</a> 3034 </li> 3035 <li> 3036 <a href="https://tipswatch.com/2026/09/06/wise-advice-dont-die-with-i-bonds/">Wise advice: ‘Don’t die with I Bonds’</a> 3037 </li> 3038 <li> 3039 <a href="https://tipswatch.com/2026/08/30/schwab-analysts-weigh-in-on-bond-market-disruptions/">Schwab analysts weigh in on bond-market disruptions</a> 3040 </li> 3041 <li> 3042 <a href="https://tipswatch.com/2026/08/28/secretary-bessent-take-note-treasury-yields-are-not-too-high/">Secretary Bessent, take note: Treasury yields are not ‘too high’</a> 3043 </li> 3044 </ul> 3045 3046 </li><li id="block-6" class="widget-container widget_block"> 3047<h2 class="wp-block-heading">Links</h2> 3048</li><li id="block-10" class="widget-container widget_block"> 3049<ul class="wp-block-list"> 3050<li><a href="http://www.bloomberg.com/markets/rates-bonds/government-bonds/us/">Bloomberg: Current yields</a></li> 3051 3052 3053 3054<li><a href="https://fred.stlouisfed.org/graph/?graph_id=581495&rn=564">Chart: 10-year inflation breakeven rate</a></li> 3055 3056 3057 3058<li><a href="https://fred.stlouisfed.org/graph/?graph_id=581493&rn=784">Chart: 10-year TIPS yields</a></li> 3059 3060 3061 3062<li><a href="https://fred.stlouisfed.org/graph/?graph_id=181378">Chart: 30-year TIPS inflation breakeven rates</a></li> 3063 3064 3065 3066<li><a href="https://fred.stlouisfed.org/graph/?graph_id=991440#">Chart: 30-year TIPS real yields</a></li> 3067 3068 3069 3070<li><a href="https://fred.stlouisfed.org/graph/?graph_id=212908&rn=558">Chart: 5-year TIPS inflation breakeven rates</a></li> 3071 3072 3073 3074<li><a href="https://fred.stlouisfed.org/graph/?graph_id=734940&rn=408">Chart: 5-year TIPS yields</a></li> 3075 3076 3077 3078<li><a href="http://www.treasurydirect.gov/instit/annceresult/annceresult_query.htm">Historical Auction Query</a></li> 3079 3080 3081 3082<li><a href="https://eyebonds.info/ibonds/home10000.html">Historical I Bonds data</a></li> 3083 3084 3085 3086<li><a href="http://eyebonds.info/tips/cpi/cpibig_06.html">Historical inflation data</a></li> 3087 3088 3089 3090<li><a href="http://eyebonds.info/tips/">Historical TIPS data</a></li> 3091 3092 3093 3094<li><a href="https://www.treasury.gov/resource-center/data-chart-center/quarterly-refunding/Documents/auctions.pdf">Tentative auction schedule</a></li> 3095 3096 3097 3098<li><a href="http://www.treasurydirect.gov/instit/annceresult/tipscpi/tipscpi.htm">TIPS/CPI Data</a></li> 3099 3100 3101 3102<li><a href="http://TreasuryDirect.gov">Treasury Direct</a></li> 3103 3104 3105 3106<li><a href="http://www.usinflationcalculator.com/inflation/current-inflation-rates/">U.S. Inflation Calculator</a></li> 3107 3108 3109 3110<li><a href="https://www.treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyield">U.S. Treasury Yield Curve Estimates</a></li> 3111 3112 3113 3114<li><a href="http://online.wsj.com/mdc/public/page/2_3020-tips.html?mod=topnav_2_3021">WSJ: Current TIPS values</a></li> 3115</ul> 3116</li><li id="archives-2" class="widget-container widget_archive"><h3 class="widget-title">Archives</h3> <label class="screen-reader-text" for="archives-dropdown-2">Archives</label> 3117 <select id="archives-dropdown-2" name="archive-dropdown"> 3118 3119 <option value="">Select Month</option> 3120 <option value='https://tipswatch.com/2026/09/'> September 2026 (8)</option> 3121 <option value='https://tipswatch.com/2026/08/'> August 2026 (7)</option> 3122 <option value='https://tipswatch.com/2026/07/'> July 2026 (7)</option> 3123 <option value='https://tipswatch.com/2026/06/'> June 2026 (6)</option> 3124 <option value='https://tipswatch.com/2026/05/'> May 2026 (6)</option> 3125 <option value='https://tipswatch.com/2026/04/'> April 2026 (7)</option> 3126 <option value='https://tipswatch.com/2026/03/'> March 2026 (7)</option> 3127 <option value='https://tipswatch.com/2026/02/'> February 2026 (5)</option> 3128 <option value='https://tipswatch.com/2026/01/'> January 2026 (7)</option> 3129 <option value='https://tipswatch.com/2025/12/'> December 2025 (8)</option> 3130 <option value='https://tipswatch.com/2025/11/'> November 2025 (6)</option> 3131 <option value='https://tipswatch.com/2025/10/'> October 2025 (12)</option> 3132 <option value='https://tipswatch.com/2025/09/'> September 2025 (6)</option> 3133 <option value='https://tipswatch.com/2025/08/'> August 2025 (9)</option> 3134 <option value='https://tipswatch.com/2025/07/'> July 2025 (10)</option> 3135 <option value='https://tipswatch.com/2025/06/'> June 2025 (7)</option> 3136 <option value='https://tipswatch.com/2025/05/'> May 2025 (5)</option> 3137 <option value='https://tipswatch.com/2025/04/'> April 2025 (10)</option> 3138 <option value='https://tipswatch.com/2025/03/'> March 2025 (7)</option> 3139 <option value='https://tipswatch.com/2025/02/'> February 2025 (5)</option> 3140 <option value='https://tipswatch.com/2025/01/'> January 2025 (8)</option> 3141 <option value='https://tipswatch.com/2024/12/'> December 2024 (7)</option> 3142 <option value='https://tipswatch.com/2024/11/'>
3142 November 2024 (6)</option> 3143 <option value='https://tipswatch.com/2024/10/'> October 2024 (9)</option> 3144 <option value='https://tipswatch.com/2024/09/'> September 2024 (8)</option> 3145 <option value='https://tipswatch.com/2024/08/'> August 2024 (6)</option> 3146 <option value='https://tipswatch.com/2024/07/'> July 2024 (6)</option> 3147 <option value='https://tipswatch.com/2024/06/'> June 2024 (7)</option> 3148 <option value='https://tipswatch.com/2024/05/'> May 2024 (7)</option> 3149 <option value='https://tipswatch.com/2024/04/'> April 2024 (7)</option> 3150 <option value='https://tipswatch.com/2024/03/'> March 2024 (6)</option> 3151 <option value='https://tipswatch.com/2024/02/'> February 2024 (6)</option> 3152 <option value='https://tipswatch.com/2024/01/'> January 2024 (7)</option> 3153 <option value='https://tipswatch.com/2023/12/'> December 2023 (7)</option> 3154 <option value='https://tipswatch.com/2023/11/'> November 2023 (5)</option> 3155 <option value='https://tipswatch.com/2023/10/'> October 2023 (9)</option> 3156 <option value='https://tipswatch.com/2023/09/'> September 2023 (7)</option> 3157 <option value='https://tipswatch.com/2023/08/'> August 2023 (8)</option> 3158 <option value='https://tipswatch.com/2023/07/'> July 2023 (8)</option> 3159 <option value='https://tipswatch.com/2023/06/'> June 2023 (8)</option> 3160 <option value='https://tipswatch.com/2023/05/'> May 2023 (7)</option> 3161 <option value='https://tipswatch.com/2023/04/'> April 2023 (10)</option> 3162 <option value='https://tipswatch.com/2023/03/'> March 2023 (9)</option> 3163 <option value='https://tipswatch.com/2023/02/'> February 2023 (8)</option> 3164 <option value='https://tipswatch.com/2023/01/'> January 2023 (11)</option> 3165 <option value='https://tipswatch.com/2022/12/'> December 2022 (9)</option> 3166 <option value='https://tipswatch.com/2022/11/'> November 2022 (7)</option> 3167 <option value='https://tipswatch.com/2022/10/'> October 2022 (11)</option> 3168 <option value='https://tipswatch.com/2022/09/'> September 2022 (10)</option> 3169 <option value='https://tipswatch.com/2022/08/'> August 2022 (7)</option> 3170 <option value='https://tipswatch.com/2022/07/'> July 2022 (7)</option> 3171 <option value='https://tipswatch.com/2022/06/'> June 2022 (6)</option> 3172 <option value='https://tipswatch.com/2022/05/'> May 2022 (7)</option> 3173 <option value='https://tipswatch.com/2022/04/'> April 2022 (8)</option> 3174 <option value='https://tipswatch.com/2022/03/'> March 2022 (4)</option> 3175 <option value='https://tipswatch.com/2022/02/'> February 2022 (6)</option> 3176 <option value='https://tipswatch.com/2022/01/'> January 2022 (7)</option> 3177 <option value='https://tipswatch.com/2021/12/'> December 2021 (6)</option> 3178 <option value='https://tipswatch.com/2021/11/'> November 2021 (6)</option> 3179 <option value='https://tipswatch.com/2021/10/'> October 2021 (6)</option> 3180 <option value='https://tipswatch.com/2021/09/'> September 2021 (6)</option> 3181 <option value='https://tipswatch.com/2021/08/'> August 2021 (4)</option> 3182 <option value='https://tipswatch.com/2021/07/'> July 2021 (14)</option> 3183 <option value='https://tipswatch.com/2021/06/'> June 2021 (6)</option> 3184 <option value='https://tipswatch.com/2021/05/'> May 2021 (7)</option> 3185 <option value='https://tipswatch.com/2021/04/'> April 2021 (7)</option> 3186 <option value='https://tipswatch.com/2021/03/'> March 2021 (5)</option> 3187 <option value='https://tipswatch.com/2021/02/'> February 2021 (6)</option> 3188 <option value='https://tipswatch.com/2021/01/'> January 2021 (4)</option> 3189 <option value='https://tipswatch.com/2020/12/'> December 2020 (4)</option> 3190 <option value='https://tipswatch.com/2020/11/'> November 2020 (5)</option> 3191 <option value='https://tipswatch.com/2020/10/'> October 2020 (4)</option> 3192 <option value='https://tipswatch.com/2020/09/'> September 2020 (5)</option> 3193 <option value='https://tipswatch.com/2020/08/'> August 2020 (4)</option> 3194 <option value='https://tipswatch.com/2020/07/'> July 2020 (3)</option> 3195 <option value='https://tipswatch.com/2020/06/'> June 2020 (4)</option> 3196 <option value='https://tipswatch.com/2020/05/'> May 2020 (5)</option> 3197 <option value='https://tipswatch.com/2020/04/'> April 2020 (4)</option> 3198 <option value='https://tipswatch.com/2020/03/'> March 2020 (6)</option> 3199 <option value='https://tipswatch.com/2020/02/'> February 2020 (3)</option> 3200 <option value='https://tipswatch.com/2020/01/'> January 2020 (4)</option> 3201 <option value='https://tipswatch.com/2019/12/'> December 2019 (3)</option> 3202 <option value='https://tipswatch.com/2019/11/'>
3202 November 2019 (4)</option> 3203 <option value='https://tipswatch.com/2019/10/'> October 2019 (4)</option> 3204 <option value='https://tipswatch.com/2019/09/'> September 2019 (4)</option> 3205 <option value='https://tipswatch.com/2019/08/'> August 2019 (4)</option> 3206 <option value='https://tipswatch.com/2019/07/'> July 2019 (4)</option> 3207 <option value='https://tipswatch.com/2019/06/'> June 2019 (5)</option> 3208 <option value='https://tipswatch.com/2019/05/'> May 2019 (4)</option> 3209 <option value='https://tipswatch.com/2019/04/'> April 2019 (5)</option> 3210 <option value='https://tipswatch.com/2019/03/'> March 2019 (4)</option> 3211 <option value='https://tipswatch.com/2019/02/'> February 2019 (4)</option> 3212 <option value='https://tipswatch.com/2019/01/'> January 2019 (4)</option> 3213 <option value='https://tipswatch.com/2018/12/'> December 2018 (4)</option> 3214 <option value='https://tipswatch.com/2018/11/'> November 2018 (5)</option> 3215 <option value='https://tipswatch.com/2018/10/'> October 2018 (5)</option> 3216 <option value='https://tipswatch.com/2018/09/'> September 2018 (3)</option> 3217 <option value='https://tipswatch.com/2018/08/'> August 2018 (5)</option> 3218 <option value='https://tipswatch.com/2018/07/'> July 2018 (5)</option> 3219 <option value='https://tipswatch.com/2018/06/'> June 2018 (4)</option> 3220 <option value='https://tipswatch.com/2018/05/'> May 2018 (4)</option> 3221 <option value='https://tipswatch.com/2018/04/'> April 2018 (4)</option> 3222 <option value='https://tipswatch.com/2018/03/'> March 2018 (4)</option> 3223 <option value='https://tipswatch.com/2018/02/'> February 2018 (4)</option> 3224 <option value='https://tipswatch.com/2018/01/'> January 2018 (4)</option> 3225 <option value='https://tipswatch.com/2017/12/'> December 2017 (4)</option> 3226 <option value='https://tipswatch.com/2017/11/'> November 2017 (5)</option> 3227 <option value='https://tipswatch.com/2017/10/'> October 2017 (5)</option> 3228 <option value='https://tipswatch.com/2017/09/'> September 2017 (3)</option> 3229 <option value='https://tipswatch.com/2017/08/'> August 2017 (4)</option> 3230 <option value='https://tipswatch.com/2017/07/'> July 2017 (5)</option> 3231 <option value='https://tipswatch.com/2017/06/'> June 2017 (3)</option> 3232 <option value='https://tipswatch.com/2017/05/'> May 2017 (6)</option> 3233 <option value='https://tipswatch.com/2017/04/'> April 2017 (5)</option> 3234 <option value='https://tipswatch.com/2017/03/'> March 2017 (4)</option> 3235 <option value='https://tipswatch.com/2017/02/'> February 2017 (5)</option> 3236 <option value='https://tipswatch.com/2017/01/'> January 2017 (5)</option> 3237 <option value='https://tipswatch.com/2016/12/'> December 2016 (5)</option> 3238 <option value='https://tipswatch.com/2016/11/'> November 2016 (4)</option> 3239 <option value='https://tipswatch.com/2016/10/'> October 2016 (5)</option> 3240 <option value='https://tipswatch.com/2016/09/'> September 2016 (5)</option> 3241 <option value='https://tipswatch.com/2016/08/'> August 2016 (3)</option> 3242 <option value='https://tipswatch.com/2016/07/'> July 2016 (5)</option> 3243 <option value='https://tipswatch.com/2016/06/'> June 2016 (3)</option> 3244 <option value='https://tipswatch.com/2016/05/'> May 2016 (6)</option> 3245 <option value='https://tipswatch.com/2016/04/'> April 2016 (7)</option> 3246 <option value='https://tipswatch.com/2016/03/'> March 2016 (5)</option> 3247 <option value='https://tipswatch.com/2016/02/'> February 2016 (4)</option> 3248 <option value='https://tipswatch.com/2016/01/'> January 2016 (7)</option> 3249 <option value='https://tipswatch.com/2015/12/'> December 2015 (5)</option> 3250 <option value='https://tipswatch.com/2015/11/'> November 2015 (9)</option> 3251 <option value='https://tipswatch.com/2015/10/'> October 2015 (6)</option> 3252 <option value='https://tipswatch.com/2015/09/'> September 2015 (5)</option> 3253 <option value='https://tipswatch.com/2015/08/'> August 2015 (5)</option> 3254 <option value='https://tipswatch.com/2015/07/'> July 2015 (5)</option> 3255 <option value='https://tipswatch.com/2015/06/'> June 2015 (4)</option> 3256 <option value='https://tipswatch.com/2015/05/'> May 2015 (7)</option> 3257 <option value='https://tipswatch.com/2015/04/'> April 2015 (5)</option> 3258 <option value='https://tipswatch.com/2015/03/'> March 2015 (5)</option> 3259 <option value='https://tipswatch.com/2015/02/'> February 2015 (7)</option> 3260 <option value='https://tipswatch.com/2015/01/'> January 2015 (7)</option> 3261 <option value='https://tipswatch.com/2014/12/'> December 2014 (6)</option> 3262 <option value='https://tipswatch.com/2014/11/'>
3262 November 2014 (6)</option> 3263 <option value='https://tipswatch.com/2014/10/'> October 2014 (8)</option> 3264 <option value='https://tipswatch.com/2014/09/'> September 2014 (8)</option> 3265 <option value='https://tipswatch.com/2014/08/'> August 2014 (6)</option> 3266 <option value='https://tipswatch.com/2014/07/'> July 2014 (9)</option> 3267 <option value='https://tipswatch.com/2014/06/'> June 2014 (7)</option> 3268 <option value='https://tipswatch.com/2014/05/'> May 2014 (6)</option> 3269 <option value='https://tipswatch.com/2014/04/'> April 2014 (8)</option> 3270 <option value='https://tipswatch.com/2014/03/'> March 2014 (9)</option> 3271 <option value='https://tipswatch.com/2014/02/'> February 2014 (6)</option> 3272 <option value='https://tipswatch.com/2014/01/'> January 2014 (11)</option> 3273 <option value='https://tipswatch.com/2013/12/'> December 2013 (8)</option> 3274 <option value='https://tipswatch.com/2013/11/'> November 2013 (7)</option> 3275 <option value='https://tipswatch.com/2013/10/'> October 2013 (10)</option> 3276 <option value='https://tipswatch.com/2013/09/'> September 2013 (5)</option> 3277 <option value='https://tipswatch.com/2013/08/'> August 2013 (7)</option> 3278 <option value='https://tipswatch.com/2013/07/'> July 2013 (10)</option> 3279 <option value='https://tipswatch.com/2013/06/'> June 2013 (9)</option> 3280 <option value='https://tipswatch.com/2013/05/'> May 2013 (4)</option> 3281 <option value='https://tipswatch.com/2013/04/'> April 2013 (9)</option> 3282 <option value='https://tipswatch.com/2013/03/'> March 2013 (6)</option> 3283 <option value='https://tipswatch.com/2013/02/'> February 2013 (5)</option> 3284 <option value='https://tipswatch.com/2013/01/'> January 2013 (5)</option> 3285 <option value='https://tipswatch.com/2012/12/'> December 2012 (6)</option> 3286 <option value='https://tipswatch.com/2012/11/'> November 2012 (3)</option> 3287 <option value='https://tipswatch.com/2012/10/'> October 2012 (6)</option> 3288 <option value='https://tipswatch.com/2012/09/'> September 2012 (5)</option> 3289 <option value='https://tipswatch.com/2012/08/'> August 2012 (4)</option> 3290 <option value='https://tipswatch.com/2012/07/'> July 2012 (4)</option> 3291 <option value='https://tipswatch.com/2012/06/'> June 2012 (4)</option> 3292 <option value='https://tipswatch.com/2012/05/'> May 2012 (4)</option> 3293 <option value='https://tipswatch.com/2012/04/'> April 2012 (7)</option> 3294 <option value='https://tipswatch.com/2012/03/'> March 2012 (6)</option> 3295 <option value='https://tipswatch.com/2012/02/'> February 2012 (8)</option> 3296 <option value='https://tipswatch.com/2012/01/'> January 2012 (5)</option> 3297 <option value='https://tipswatch.com/2011/12/'> December 2011 (2)</option> 3298 <option value='https://tipswatch.com/2011/11/'> November 2011 (5)</option> 3299 <option value='https://tipswatch.com/2011/10/'> October 2011 (4)</option> 3300 <option value='https://tipswatch.com/2011/09/'> September 2011 (3)</option> 3301 <option value='https://tipswatch.com/2011/08/'> August 2011 (12)</option> 3302 <option value='https://tipswatch.com/2011/07/'> July 2011 (9)</option> 3303 <option value='https://tipswatch.com/2011/06/'> June 2011 (19)</option> 3304 <option value='https://tipswatch.com/2011/05/'> May 2011 (8)</option> 3305 <option value='https://tipswatch.com/2011/04/'> April 2011 (15)</option> 3306 3307 </select> 3308 3309
3309<script> 3310( ( dropdownId ) => { 3311 const dropdown = document.getElementById( dropdownId ); 3312 function onSelectChange() { 3313 setTimeout( () => { 3314 if ( 'escape' === dropdown.dataset.lastkey ) { 3315 return; 3316 } 3317 if ( dropdown.value ) { 3318 document.location.href = dropdown.value; 3319 } 3320 }, 250 ); 3321 } 3322 function onKeyUp( event ) { 3323 if ( 'Escape' === event.key ) { 3324 dropdown.dataset.lastkey = 'escape'; 3325 } else { 3326 delete dropdown.dataset.lastkey; 3327 } 3328 } 3329 function onClick() { 3330 delete dropdown.dataset.lastkey; 3331 } 3332 dropdown.addEventListener( 'keyup', onKeyUp ); 3333 dropdown.addEventListener( 'click', onClick ); 3334 dropdown.addEventListener( 'change', onSelectChange ); 3335})( "archives-dropdown-2" ); 3336 3337//# sourceURL=WP_Widget_Archives%3A%3Awidget 3338</script>
3338 3339</li><li id="block-2" class="widget-container widget_block widget_recent_comments"><ol class="has-avatars has-dates has-excerpts wp-block-latest-comments"><li class="wp-block-latest-comments__comment"><img referrerpolicy="no-referrer" alt='Tipswatch's avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=48&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=48&d=identicon&r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=72&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=96&d=identicon&r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=144&d=identicon&r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=192&d=identicon&r=G 4x' class='avatar avatar-48 wp-block-latest-comments__comment-avatar' height='48' width='48' decoding='async' /><article><footer class="wp-block-latest-comments__comment-meta"><a class="wp-block-latest-comments__comment-author" href="http://www.tipswatch.com">Tipswatch</a> on <a class="wp-block-latest-comments__comment-link" href="https://tipswatch.com/2026/09/09/treasurydirect-provides-more-guidance-on-id-me-transition/#comment-44885">TreasuryDirect provides more guidance on ID.me transition</a><time datetime="2026-10-01T15:38:24-04:00" class="wp-block-latest-comments__comment-date">October 1, 2026</time></footer><div class="wp-block-latest-comments__comment-excerpt"><p>The recent hacking of FBI agent personnel files should have us all very concerned. If that can't be protected, what…</p> 3340</div></article></li><li class="wp-block-latest-comments__comment"><img referrerpolicy="no-referrer" alt='Rocky's avatar' src='https://0.gravatar.com/avatar/f893dd088418a97224c58f5dd83bdfc510c5dfe15f1ee9ccee52aa62038a6d1a?s=48&d=identicon&r=G' srcset='https://0.gravatar.com/avatar/f893dd088418a97224c58f5dd83bdfc510c5dfe15f1ee9ccee52aa62038a6d1a?s=48&d=identicon&r=G 1x, https://0.gravatar.com/avatar/f893dd088418a97224c58f5dd83bdfc510c5dfe15f1ee9ccee52aa62038a6d1a?s=72&d=identicon&r=G 1.5x, https://0.gravatar.com/avatar/f893dd088418a97224c58f5dd83bdfc510c5dfe15f1ee9ccee52aa62038a6d1a?s=96&d=identicon&r=G 2x, https://0.gravatar.com/avatar/f893dd088418a97224c58f5dd83bdfc510c5dfe15f1ee9ccee52aa62038a6d1a?s=144&d=identicon&r=G 3x, https://0.gravatar.com/avatar/f893dd088418a97224c58f5dd83bdfc510c5dfe15f1ee9ccee52aa62038a6d1a?s=192&d=identicon&r=G 4x' class='avatar avatar-48 wp-block-latest-comments__comment-avatar' height='48' width='48' decoding='async' /><article><footer class="wp-block-latest-comments__comment-meta"><span class="wp-block-latest-comments__comment-author">Rocky</span> on <a class="wp-block-latest-comments__comment-link" href="https://tipswatch.com/2026/09/14/heres-an-illustrated-guide-to-treasurydirects-new-login-process/#comment-44883">Here’s an illustrated guide to TreasuryDirect’s new login process</a><time datetime="2026-10-01T13:40:39-04:00" class="wp-block-latest-comments__comment-date">October 1, 2026</time></footer><div class="wp-block-latest-comments__comment-excerpt"><p>Four things: Having already had an ID.me account for the IRS, it worked fine. For my spouse's account, all registrations…</p> 3341</div></article></li><li class="wp-block-latest-comments__comment"><img referrerpolicy="no-referrer" alt='Walt's avatar' src='https://0.gravatar.com/avatar/09db67cc56b055425e73c7a2cf8d54c537b3b6bac26276f63453daf070d2947e?s=48&d=identicon&r=G' srcset='https://0.gravatar.com/avatar/09db67cc56b055425e73c7a2cf8d54c537b3b6bac26276f63453daf070d2947e?s=48&d=identicon&r=G 1x, https://0.gravatar.com/avatar/09db67cc56b055425e73c7a2cf8d54c537b3b6bac26276f63453daf070d2947e?s=72&d=identicon&r=G 1.5x, https://0.gravatar.com/avatar/09db67cc56b055425e73c7a2cf8d54c537b3b6bac26276f63453daf070d2947e?s=96&d=identicon&r=G 2x, https://0.gravatar.com/avatar/09db67cc56b055425e73c7a2cf8d54c537b3b6bac26276f63453daf070d2947e?s=144&d=identicon&r=G 3x, https://0.gravatar.com/avatar/09db67cc56b055425e73c7a2cf8d54c537b3b6bac26276f63453daf070d2947e?s=192&d=identicon&r=G 4x' class='avatar avatar-48 wp-block-latest-comments__comment-avatar' height='48' width='48' decoding='async' /><article><footer class="wp-block-latest-comments__comment-meta"><span class="wp-block-latest-comments__comment-author">Walt</span> on <a class="wp-block-latest-comments__comment-link" href="https://tipswatch.com/2026/09/09/treasury
3341direct-provides-more-guidance-on-id-me-transition/#comment-44882">TreasuryDirect provides more guidance on ID.me transition</a><time datetime="2026-10-01T11:37:48-04:00" class="wp-block-latest-comments__comment-date">October 1, 2026</time></footer><div class="wp-block-latest-comments__comment-excerpt"><p>The facial recognition part is a non-starter for me. Please re-assure me that the government won't use this to identify…</p> 3342</div></article></li><li class="wp-block-latest-comments__comment"><img referrerpolicy="no-referrer" alt='Fred Bloggs's avatar' src='https://2.gravatar.com/avatar/22ba9e98c139ec2f7e4e16644ce3aceb98435708e1c17b1fe762c32de1a093d8?s=48&d=identicon&r=G' srcset='https://2.gravatar.com/avatar/22ba9e98c139ec2f7e4e16644ce3aceb98435708e1c17b1fe762c32de1a093d8?s=48&d=identicon&r=G 1x, https://2.gravatar.com/avatar/22ba9e98c139ec2f7e4e16644ce3aceb98435708e1c17b1fe762c32de1a093d8?s=72&d=identicon&r=G 1.5x, https://2.gravatar.com/avatar/22ba9e98c139ec2f7e4e16644ce3aceb98435708e1c17b1fe762c32de1a093d8?s=96&d=identicon&r=G 2x, https://2.gravatar.com/avatar/22ba9e98c139ec2f7e4e16644ce3aceb98435708e1c17b1fe762c32de1a093d8?s=144&d=identicon&r=G 3x, https://2.gravatar.com/avatar/22ba9e98c139ec2f7e4e16644ce3aceb98435708e1c17b1fe762c32de1a093d8?s=192&d=identicon&r=G 4x' class='avatar avatar-48 wp-block-latest-comments__comment-avatar' height='48' width='48' decoding='async' /><article><footer class="wp-block-latest-comments__comment-meta"><span class="wp-block-latest-comments__comment-author">Fred Bloggs</span> on <a class="wp-block-latest-comments__comment-link" href="https://tipswatch.com/2026/09/27/tremors-are-rippling-across-the-u-s-treasury-market/#comment-44881">Tremors are rippling across the U.S. Treasury market</a><time datetime="2026-09-30T18:44:19-04:00" class="wp-block-latest-comments__comment-date">September 30, 2026</time></footer><div class="wp-block-latest-comments__comment-excerpt"><p>@gg80108, the Treasury's gold holdings are irrelevant. Their book value even moreso. At current market exchange rates, their gold would…</p> 3343</div></article></li><li class="wp-block-latest-comments__comment"><article><footer class="wp-block-latest-comments__comment-meta"><a class="wp-block-latest-comments__comment-author" href="https://www.kinneymunro.com/five-percent-is-back/">Five Percent Is Back - KinneyMunro</a> on <a class="wp-block-latest-comments__comment-link" href="https://tipswatch.com/2026/09/17/10-year-tips-reopening-gets-real-yield-of-2-653-highest-in-nearly-18-years/#comment-44880">10-year TIPS reopening gets real yield of 2.653%, highest in nearly 18 years</a><time datetime="2026-09-30T15:16:26-04:00" class="wp-block-latest-comments__comment-date">September 30, 2026</time></footer><div class="wp-block-latest-comments__comment-excerpt"><p>[…] Tipswatch, â10-year TIPS reopening gets real yield of 2.653%, highest in nearly 18 years,â Sept. 17, 2026 (citing U.S.…</p> 3344</div></article></li></ol></li><li id="categories-2" class="widget-container widget_categories"><h3 class="widget-title">Categories</h3> 3345 <ul> 3346 <li class="cat-item cat-item-1827833"><a href="https://tipswatch.com/category/bank-cds/">Bank CDs</a> 3347</li> 3348 <li class="cat-item cat-item-15109736"><a href="https://tipswatch.com/category/cash-alternatives/">Cash alternatives</a> 3349</li> 3350 <li class="cat-item cat-item-9861370"><a href="https://tipswatch.com/category/ee-bonds/">EE Bonds</a> 3351</li> 3352 <li class="cat-item cat-item-58309"><a href="https://tipswatch.com/category/estate-planning/">Estate planning</a> 3353</li> 3354 <li class="cat-item cat-item-106910"><a href="https://tipswatch.com/category/etfs/">ETFs</a> 3355</li> 3356 <li class="cat-item cat-item-6631"><a href="https://tipswatch.com/category/federal-reserve/">Federal Reserve</a> 3357</li> 3358 <li class="cat-item cat-item-7328676"><a href="https://tipswatch.com/category/i-bond/">I Bond</a> 3359</li> 3360 <li class="cat-item cat-item-161717"><a href="https://tipswatch.com/category/inflation/">Inflation</a> 3361</li> 3362 <li class="cat-item cat-item-28574787"><a href="https://tipswatch.com/category/international-bonds/">International bonds</a> 3363</li> 3364 <li class="cat-item cat-item-54993124"><a href="https://tipswatch.com/category/investing-in-tips/">Investing in TIPS</a> 3365</li> 3366 <li class="cat-item cat-item-69737"><a href="https://tipswatch.com/category/medicare/">Medicare</a> 3367</li> 3368 <li class="cat-item cat-item-24161"><a href="https://tipswatch.com/category/retirement/">Retirement</a> 3369</li> 3370 <li class="cat-item cat-item-3478107"><a href="https://tipswatch.com/category/savings-bond/">Savings Bond</a> 3371</li> 3372 <li class="cat-item cat-item-34986"><a href="https://tipswatch.com/category/social-security/">Social Security</a> 3373</li> 3374 <li class="cat-item cat-item-69468"><a href="https://tipswatch.com/category/tariffs/">Tariffs</a> 3375</li> 3376 <li class="cat-item cat-item-4517"><a href="https://tipswatch.com/category/taxes/">Taxes</a> 3377</li> 3378 <li class="cat-item cat-item-200"><a href="https://tipswatch.com/category/travel/">Travel</a> 3379</li> 3380 <li class="cat-item cat-item-1116262"><a href="https://tipswatch.com/category/treasury-bills/">Treasury Bills</a> 3381</li> 3382 <li class="cat-item cat-item-10967763">
3382<a href="https://tipswatch.com/category/treasurydirect/">TreasuryDirect</a> 3383</li> 3384 </ul> 3385 3386 </li> </ul> 3387 </div><!-- #primary .widget-area --> 3388 3389 </div><!-- #main --> 3390 3391 <div id="footer" role="contentinfo"> 3392 <div id="colophon"> 3393 3394 3395 3396 <div id="site-info"> 3397 <a href="https://tipswatch.com/" title="Treasury Inflation-Protected Securities" rel="home"> 3398 Treasury Inflation-Protected Securities </a> 3399 </div><!-- #site-info --> 3400 3401 <div id="site-generator"> 3402 <a href="https://wordpress.com/?ref=footer_blog" rel="nofollow">Blog at WordPress.com.</a> 3403 </div><!-- #site-generator --> 3404 3405 </div><!-- #colophon --> 3406 </div><!-- #footer --> 3407 3408</div><!-- #wrapper --> 3409 3410<!-- -->
3411<script type="speculationrules"> 3412{"prefetch":[{"source":"document","where":{"and":[{"href_matches":"/*"},{"not":{"href_matches":["/wp-*.php","/wp-admin/*","/files/*","/wp-content/*","/wp-content/plugins/*","/wp-content/themes/pub/twentyten/*","/*\\?(.+)"]}},{"not":{"selector_matches":"a[rel~=\"nofollow\"]"}},{"not":{"selector_matches":".no-prefetch, .no-prefetch a"}}]},"eagerness":"conservative"}]} 3413</script>
vendor: 1 bytes, line 3413
3413
3414<script id="grofiles-cards-js" src="//0.gravatar.com/js/hovercards/hovercards.min.js?ver=202640d1133547e8a1f2801609f51cef12522abe7f6647d869e9fbc974fe356a37e613"></script>
vendor: 1 bytes, line 3414
3414
3415<script id="wpgroho-js-extra"> 3416var WPGroHo = {"my_hash":""}; 3417//# sourceURL=wpgroho-js-extra 3418</script>
vendor: 1 bytes, line 3418
3418
3419<script crossorigin='anonymous' type='text/javascript' src='/wp-content/mu-plugins/gravatar-hovercards/wpgroho.js?m=1610363240i'></script>
3419 3420 3421
3421<script> 3422 // Initialize and attach hovercards to all gravatars 3423 ( function() { 3424 function init() { 3425 if ( typeof Gravatar === 'undefined' ) { 3426 return; 3427 } 3428 3429 if ( typeof Gravatar.init !== 'function' ) { 3430 return; 3431 } 3432 3433 Gravatar.profile_cb = function ( hash, id ) { 3434 WPGroHo.syncProfileData( hash, id ); 3435 }; 3436 3437 Gravatar.my_hash = WPGroHo.my_hash; 3438 Gravatar.init( 3439 'body', 3440 '#wp-admin-bar-my-account', 3441 { 3442 i18n: { 3443 'Edit your profile â': 'Edit your profile â', 3444 'View profile â': 'View profile â', 3445 'Contact': 'Contact', 3446 'Send money': 'Send money', 3447 'Sorry, we are unable to load this Gravatar profile.': 'Sorry, we are unable to load this Gravatar profile.', 3448 'Gravatar not found.': 'Gravatar not found.', 3449 'Too Many Requests.': 'Too Many Requests.', 3450 'Internal Server Error.': 'Internal Server Error.', 3451 'Is this you?': 'Is this you?', 3452 'Claim your free profile.': 'Claim your free profile.', 3453 'Email': 'Email', 3454 'Home Phone': 'Home Phone', 3455 'Work Phone': 'Work Phone', 3456 'Cell Phone': 'Cell Phone', 3457 'Contact Form': 'Contact Form', 3458 'Calendar': 'Calendar', 3459 }, 3460 } 3461 ); 3462 } 3463 3464 if ( document.readyState !== 'loading' ) { 3465 init(); 3466 } else { 3467 document.addEventListener( 'DOMContentLoaded', init ); 3468 } 3469 } )(); 3470 </script>
3470 3471 3472 <div style="display:none"> 3473 <div class="grofile-hash-map-604373df640e43df7e5dd174a6aa60db"> 3474 </div> 3475 <div class="grofile-hash-map-18c58ebfe3927218fd3d8787185baa13"> 3476 </div> 3477 <div class="grofile-hash-map-c534452547991b25464d34c4e7721ffd"> 3478 </div> 3479 <div class="grofile-hash-map-4b8025a03bf35e94074fd3ee837a4d8b"> 3480 </div> 3481 <div class="grofile-hash-map-23b75a73664c2cc32c0d4b5e2d1508c8"> 3482 </div> 3483 <div class="grofile-hash-map-ab311bf3da2e2944d057e64392cbe6ae"> 3484 </div> 3485 <div class="grofile-hash-map-889f59e0d89130edf32724da27cc4353"> 3486 </div> 3487 <div class="grofile-hash-map-5fba0bbb54491e5b9076d81767d610dc"> 3488 </div> 3489 <div class="grofile-hash-map-b8846985e776a3293433b98b0ecf7bc9"> 3490 </div> 3491 <div class="grofile-hash-map-94ddc4ab3db8f89e5be3f2e3479da160"> 3492 </div> 3493 <div class="grofile-hash-map-94ddc4ab3db8f89e5be3f2e3479da160"> 3494 </div> 3495 <div class="grofile-hash-map-1284684fdf999a045fabc5ce8f952345"> 3496 </div> 3497 <div class="grofile-hash-map-2b9280937c81508dd9a6cce6068faff7"> 3498 </div> 3499 <div class="grofile-hash-map-724d528d0acf7ef7691ca5668ff6d000"> 3500 </div> 3501 <div class="grofile-hash-map-e5c8ec8bd36955876a75a5ab5326819d"> 3502 </div> 3503 <div class="grofile-hash-map-09b6b9d0dcac14925acf6ba43524c02c"> 3504 </div> 3505 <div class="grofile-hash-map-10718af340466459f9d2fc39fe95d6ed"> 3506 </div> 3507 <div class="grofile-hash-map-61b570dd6f9b132a75770f17e26ed86d"> 3508 </div> 3509 <div class="grofile-hash-map-9c8b17c17fb83925904f10bd7496903f"> 3510 </div> 3511 <div class="grofile-hash-map-bf111916eb051ae977de5811262fd1cd"> 3512 </div> 3513 <div class="grofile-hash-map-5b353b0353c51fec47d32d902281b8b9"> 3514 </div> 3515 <div class="grofile-hash-map-e851774b494607d27aca3259c5992654"> 3516 </div> 3517 <div class="grofile-hash-map-100c706a57a433d9171cd4b9f3acf5f5"> 3518 </div> 3519 <div class="grofile-hash-map-f4ee5505a010bd9a579e18171867800a"> 3520 </div> 3521 <div class="grofile-hash-map-13777a7f561b965a2f7dcac58015d60d"> 3522 </div> 3523 <div class="grofile-hash-map-e3e9c0a264ee2ab9ca79cb831d9cbf32"> 3524 </div> 3525 <div class="grofile-hash-map-627b92a3958f4c63ff61a1a863a59a28"> 3526 </div> 3527 <div class="grofile-hash-map-0ba21ffa83f100daf7e070b52b684d2c"> 3528 </div> 3529 <div class="grofile-hash-map-155983252d3787d3a8a15749648bf72b"> 3530 </div> 3531 <div class="grofile-hash-map-5947e32b40755d3cefb17c13c7addfe2"> 3532 </div> 3533 <div class="grofile-hash-map-6250f472cca20c5bfaa4c799a3d98b2a"> 3534 </div> 3535 <div class="grofile-hash-map-de0464203577526853a7a3b7fa24cbb3"> 3536 </div> 3537 <div class="grofile-hash-map-837e6434b086de8824192aff056638cd"> 3538 </div> 3539 <div class="grofile-hash-map-85845cd21f86580fa45dd1e3d9d65141"> 3540 </div> 3541 <div class="grofile-hash-map-734738b123aa5126199e0ea27fa97b2e"> 3542 </div> 3543 <div class="grofile-hash-map-37657bcc23dc3253adf8b06037b63b64"> 3544 </div> 3545 <div class="grofile-hash-map-52e26122cd57b5e2da750022dc7a9395"> 3546 </div> 3547 <div class="grofile-hash-map-0005fb8d606c350685e175d9673822bd"> 3548 </div> 3549 <div class="grofile-hash-map-34709c0e25822acf0b9472c9c3f2b7e3"> 3550 </div> 3551 <div class="grofile-hash-map-daf459a383ee4272eae997dcdf0eed8b"> 3552 </div> 3553 <div class="grofile-hash-map-943ebdf54f113b58c77206360b32f611"> 3554 </div> 3555 <div class="grofile-hash-map-c83433ccd6f4b0bacaf0127dd3cde62a"> 3556 </div> 3557 <div class="grofile-hash-map-d45a2bdd8303f17bb607e683da1673cb"> 3558 </div> 3559 <div class="grofile-hash-map-3e7c1c292c82802363fd706bd094c37f"> 3560 </div> 3561 <div class="grofile-hash-map-1b8714141c53a63b8512cfbfa5c36b1f"> 3562 </div> 3563 <div class="grofile-hash-map-6eb18257bba2a3a0567f50b4f02bccb1"> 3564 </div> 3565 <div class="grofile-hash-map-e7859e5d17fc4e316749793153a44101"> 3566 </div> 3567 <div class="grofile-hash-map-d608872a2ac435451e2eea82fcf99a2b"> 3568 </div> 3569 </div> 3570 <!-- CCPA [start] --> 3571
3571<script type="text/javascript"> 3572 ( function () { 3573 3574 var setupPrivacy = function() { 3575 3576 // Minimal Mozilla Cookie library 3577 // https://developer.mozilla.org/en-US/docs/Web/API/Document/cookie/Simple_document.cookie_framework 3578 var cookieLib = window.cookieLib = {getItem:function(e){return e&&decodeURIComponent(document.cookie.replace(new RegExp("(?:(?:^|.*;)\\s*"+encodeURIComponent(e).replace(/[\-\.\+\*]/g,"\\$&")+"\\s*\\=\\s*([^;]*).*$)|^.*$"),"$1"))||null},setItem:function(e,o,n,t,r,i){if(!e||/^(?:expires|max\-age|path|domain|secure)$/i.test(e))return!1;var c="";if(n)switch(n.constructor){case Number:c=n===1/0?"; expires=Fri, 31 Dec 9999 23:59:59 GMT":"; max-age="+n;break;case String:c="; expires="+n;break;case Date:c="; expires="+n.toUTCString()}return"rootDomain"!==r&&".rootDomain"!==r||(r=(".rootDomain"===r?".":"")+document.location.hostname.split(".").slice(-2).join(".")),document.cookie=encodeURIComponent(e)+"="+encodeURIComponent(o)+c+(r?"; domain="+r:"")+(t?"; path="+t:"")+(i?"; secure":""),!0}}; 3579 3580 // Implement IAB USP API. 3581 window.__uspapi = function( command, version, callback ) { 3582 3583 // Validate callback. 3584 if ( typeof callback !== 'function' ) { 3585 return; 3586 } 3587 3588 // Validate the given command. 3589 if ( command !== 'getUSPData' || version !== 1 ) { 3590 callback( null, false ); 3591 return; 3592 } 3593 3594 // Check for GPC. If set, override any stored cookie. 3595 if ( navigator.globalPrivacyControl ) { 3596 callback( { version: 1, uspString: '1YYN' }, true ); 3597 return; 3598 } 3599
3600 // Check for cookie. 3601 var consent = cookieLib.getItem( 'usprivacy' ); 3602 3603 // Invalid cookie. 3604 if ( null === consent ) { 3605 callback( null, false ); 3606 return; 3607 } 3608 3609 // Everything checks out. Fire the provided callback with the consent data. 3610 callback( { version: 1, uspString: consent }, true ); 3611 }; 3612 3613 // Initialization. 3614 document.addEventListener( 'DOMContentLoaded', function() { 3615 3616 // Internal functions. 3617 var setDefaultOptInCookie = function() { 3618 var value = '1YNN'; 3619 var domain = '.wordpress.com' === location.hostname.slice( -14 ) ? '.rootDomain' : location.hostname; 3620 cookieLib.setItem( 'usprivacy', value, 365 * 24 * 60 * 60, '/', domain ); 3621 }; 3622 3623 var setDefaultOptOutCookie = function() { 3624 var value = '1YYN'; 3625 var domain = '.wordpress.com' === location.hostname.slice( -14 ) ? '.rootDomain' : location.hostname; 3626 cookieLib.setItem( 'usprivacy', value, 24 * 60 * 60, '/', domain ); 3627 }; 3628 3629 var setDefaultNotApplicableCookie = function() { 3630 var value = '1---'; 3631 var domain = '.wordpress.com' === location.hostname.slice( -14 ) ? '.rootDomain' : location.hostname; 3632 cookieLib.setItem( 'usprivacy', value, 24 * 60 * 60, '/', domain ); 3633 }; 3634 3635 var setCcpaAppliesCookie = function( applies ) { 3636 var domain = '.wordpress.com' === location.hostname.slice( -14 ) ? '.rootDomain' : location.hostname; 3637 cookieLib.setItem( 'ccpa_applies', applies, 24 * 60 * 60, '/', domain ); 3638 } 3639 3640 var maybeCallDoNotSellCallback = function() { 3641 if ( 'function' === typeof window.doNotSellCallback ) { 3642 return window.doNotSellCallback(); 3643 } 3644 3645 return false; 3646 } 3647 3648 // Look for usprivacy cookie first. 3649 var usprivacyCookie = cookieLib.getItem( 'usprivacy' ); 3650 3651 // Found a usprivacy cookie. 3652 if ( null !== usprivacyCookie ) { 3653 3654 // If the cookie indicates that CCPA does not apply, then bail. 3655 if ( '1---' === usprivacyCookie ) { 3656 return; 3657 } 3658 3659 // CCPA applies, so call our callback to add Do Not Sell link to the page. 3660 maybeCallDoNotSellCallback(); 3661 3662 // We're all done, no more processing needed. 3663 return; 3664 } 3665 3666 // We don't have a usprivacy cookie, so check to see if we have a CCPA applies cookie. 3667 var ccpaCookie = cookieLib.getItem( 'ccpa_applies' ); 3668 3669 // No CCPA applies cookie found, so we'll need to geolocate if this visitor is from California. 3670 // This needs to happen client side because we do not have region geo data in our $SERVER headers, 3671 // only country data -- therefore we can't vary cache on the region. 3672 if ( null === ccpaCookie ) { 3673 3674 var request = new XMLHttpRequest(); 3675 request.open( 'GET', 'https://public-api.wordpress.com/geo/', true ); 3676 3677 request.onreadystatechange = function () { 3678 if ( 4 === this.readyState ) { 3679 if ( 200 === this.status ) { 3680 3681 // Got a geo response. Parse out the region data. 3682 var data = JSON.parse( this.response ); 3683 var region = data.region ? data.region.toLowerCase() : ''; 3684 var ccpa_applies = ['california', 'colorado', 'connecticut', 'delaware', 'indiana', 'iowa', 'montana', 'new jersey', 'oregon', 'tennessee', 'texas', 'utah', 'virginia'].indexOf( region ) > -1; 3685 // Set CCPA applies cookie. This keeps us from having to make a geo request too frequently. 3686 setCcpaAppliesCookie( ccpa_applies ); 3687 3688 // Check if CCPA applies to set the proper usprivacy cookie. 3689 if ( ccpa_applies ) { 3690 if ( maybeCallDoNotSellCallback() ) { 3691 // Do Not Sell link added, so set default opt-in. 3692 setDefaultOptInCookie(); 3693 } else { 3694 // Failed showing Do Not Sell link as required, so default to opt-OUT just to be safe. 3695 setDefaultOptOutCookie(); 3696 } 3697 } else { 3698 // CCPA does not apply. 3699 setDefaultNotApplicableCookie(); 3700 } 3701 } else { 3702 // Could not geo, so let's assume for now that CCPA applies to be safe. 3703 setCcpaAppliesCookie( true ); 3704 if ( maybeCallDoNotSellCallback() ) { 3705 // Do Not Sell link added, so set default opt-in. 3706 setDefaultOptInCookie(); 3707 } else { 3708 // Failed showing Do Not Sell link as required, so default to opt-OUT just to be safe. 3709 setDefaultOptOutCookie(); 3710 } 3711 } 3712 } 3713 }; 3714 3715 // Send the geo request. 3716 request.send(); 3717 } else { 3718 // We found a CCPA applies cookie. 3719 if ( ccpaCookie === 'true' ) { 3720 if ( maybeCallDoNotSellCallback() ) { 3721 // Do Not Sell link added, so set default opt-in. 3722 setDefaultOptInCookie(); 3723 } else { 3724 // Failed showing Do Not Sell link as required, so default to opt-OUT just to be safe. 3725 setDefaultOptOutCookie(); 3726 } 3727 } else { 3728 // CCPA does not apply. 3729 setDefaultNotApplicableCookie(); 3730 } 3731 } 3732 } ); 3733 }; 3734 3735 // Kickoff initialization. 3736 if ( window.defQueue && defQueue.isLOHP && defQueue.isLOHP === 2020 ) { 3737 defQueue.items.push( setupPrivacy ); 3738 } else { 3739 setupPrivacy(); 3740 } 3741 3742 } )(); 3743 </script>
3743 3744 3745 <!-- CCPA [end] --> 3746 <div class="widget widget_eu_cookie_law_widget"> 3747<div 3748 class="hide-on-button ads-active" 3749 data-hide-timeout="30" 3750 data-consent-expiration="180" 3751 id="eu-cookie-law" 3752 style="display: none" 3753> 3754 <form method="post"> 3755 <input type="submit" value="Close and accept" class="accept" /> 3756 3757 Privacy & Cookies: This site uses cookies. By continuing to use this website, you agree to their use. <br /> 3758To find out more, including how to control cookies, see here: 3759 <a href="https://automattic.com/cookies/" rel="nofollow"> 3760 Cookie Policy </a> 3761 </form> 3762</div> 3763</div> <div id="actionbar" dir="ltr" style="display: none;" 3764 class="actnbr-pub-twentyten" role="region" aria-label="Site actions"> 3765 <span class="actnbr-live" aria-live="polite"></span> 3766 <ul> 3767 <li class="actnbr-btn actnbr-hidden"> 3768 <a class="actnbr-action actnbr-actn-follow " href="" role="button" aria-haspopup="dialog" aria-expanded="false"> 3769 <svg class="actnbr-icon actnbr-icon-bell" width="20" height="20" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" aria-hidden="true" focusable="false" fill="currentColor"><path fill-rule="evenodd" clip-rule="evenodd" d="M17 11.5c0 1.353.17 2.368.976 3 .266.209.602.376 1.024.5v1H5v-1c.422-.124.757-.291 1.024-.5.806-.632.976-1.647.976-3V9c0-2.8 2.2-5 5-5s5 2.2 5 5v2.5ZM15.5 9v2.5c0 .93.066 1.98.515 2.897l.053.103H7.932a4.018 4.018 0 0 0 .053-.103c.449-.917.515-1.967.515-2.897V9c0-1.972 1.528-3.5 3.5-3.5s3.5 1.528 3.5 3.5Zm-5.492 9.008c0-.176.023-.346.065-.508h3.854A1.996 1.996 0 0 1 12 20c-1.1 0-1.992-.892-1.992-1.992Z"/></svg> <span>Subscribe</span> 3770 </a> 3771 <a class="actnbr-action actnbr-actn-following no-display" href="" role="button"> 3772 <svg class="actnbr-icon actnbr-icon-check" width="20" height="20" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" aria-hidden="true" focusable="false" style="fill: none" stroke="currentColor" stroke-width="1.5"><path d="M7 12L10 15L17 8" vector-effect="non-scaling-stroke"/></svg> <span>Subscribed</span> 3773 </a> 3774 <div class="actnbr-popover actnbr-panel actnbr-notice" id="follow-bubble" role="dialog" aria-label="Subscribe to Treasury Inflation-Protected Securities"> 3775 <div class="actnbr-follow-bubble"> 3776 <div class="actnbr-panel__group"><a class="actnbr-menu__item actnbr-sitename" href="https://tipswatch.com"><img loading='lazy' alt='' src='https://secure.gravatar.com/blavatar/8b27e9c286ab194a8b14b88d35bd8701fd2234356dfb795fe76905d5925bea08?s=50&d=https%3A%2F%2Fs-ssl.wordpress.com%2Fi%2Flogo%2Fwpcom-gray-white.png' srcset='https://secure.gravatar.com/blavatar/8b27e9c286ab194a8b14b88d35bd8701fd2234356dfb795fe76905d5925bea08?s=50&d=https%3A%2F%2Fs-ssl.wordpress.com%2Fi%2Flogo%2Fwpcom-gray-white.png 1x, https://secure.gravatar.com/blavatar/8b27e9c286ab194a8b14b88d35bd8701fd2234356dfb795fe76905d5925bea08?s=75&d=https%3A%2F%2Fs-ssl.wordpress.com%2Fi%2Flogo%2Fwpcom-gray-white.png 1.5x, https://secure.gravatar.com/blavatar/8b27e9c286ab194a8b14b88d35bd8701fd2234356dfb795fe76905d5925bea08?s=100&d=https%3A%2F%2Fs-ssl.wordpress.com%2Fi%2Flogo%2Fwpcom-gray-white.png 2x, https://secure.gravatar.com/blavatar/8b27e9c286ab194a8b14b88d35bd8701fd2234356dfb795fe76905d5925bea08?s=150&d=https%3A%2F%2Fs-ssl.wordpress.com%2Fi%2Flogo%2Fwpcom-gray-white.png 3x, https://secure.gravatar.com/blavatar/8b27e9c286ab194a8b14b88d35bd8701fd2234356dfb795fe76905d5925bea08?s=200&d=https%3A%2F%2Fs-ssl.wordpress.com%2Fi%2Flogo%2Fwpcom-gray-white.png 4x' class='avatar avatar-50' height='50' width='50' /><span class="actnbr-menu__label">Treasury Inflation-Protected Securities</span></a></div> <div class="actnbr-panel__group"> 3777 <div class="actnbr-message no-display" aria-live="polite"></div> 3778 <form method="post" action="https://subscribe.wordpress.com" accept-charset="utf-8" class="no-display"> 3779 <div class="actnbr-follow-count">Join 2,641 other subscribers</div> 3780 <input type="email" name="email" placeholder="Want updates? Enter your email" class="actnbr-email-field" aria-label="Email address" /> 3781 <input type="hidden" name="action" value="subscribe" /> 3782 <input type="hidden" name="blog_id" value="22028311" /> 3783 <input type="hidden" name="source" value="https://tipswatch.com/tracking-inflation-and-i-bonds/" /> 3784 <input type="hidden" name="sub-type" value="actionbar-follow" /> 3785 <input type="hidden" id="_wpnonce" name="_wpnonce" value="
37850385d96356" /> <button type="submit" class="actnbr-button">Sign me up</button> 3786 </form> 3787 <p class="actnbr-login-nudge"> 3788 Have a WordPress.com account? <a href="https://wordpress.com/log-in?redirect_to=https%3A%2F%2Fr-login.wordpress.com%2Fremote-login.php%3Faction%3Dlink%26back%3Dhttps%253A%252F%252Ftipswatch.com%252Ftracking-inflation-and-i-bonds%252F">Log in now.</a> </p> 3789 </div> 3790 </div> 3791 </div> 3792 </li> 3793 <li class="actnbr-ellipsis actnbr-hidden"> 3794 <button type="button" class="actnbr-more-toggle" aria-haspopup="true" aria-expanded="false" aria-label="More options"> 3795 <svg class="actnbr-icon actnbr-icon-more-horizontal" width="24" height="24" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" aria-hidden="true" focusable="false" fill="currentColor"><path d="M11 13h2v-2h-2v2zm-6 0h2v-2H5v2zm12-2v2h2v-2h-2z"/></svg> </button> 3796 <div class="actnbr-popover actnbr-menu" role="menu" aria-label="Site options"> 3797 <div class="actnbr-menu__group" role="group"><a role="menuitem" class="actnbr-menu__item actnbr-sitename" href="https://tipswatch.com"><img loading='lazy' alt='' src='https://secure.gravatar.com/blavatar/8b27e9c286ab194a8b14b88d35bd8701fd2234356dfb795fe76905d5925bea08?s=50&d=https%3A%2F%2Fs-ssl.wordpress.com%2Fi%2Flogo%2Fwpcom-gray-white.png' srcset='https://secure.gravatar.com/blavatar/8b27e9c286ab194a8b14b88d35bd8701fd2234356dfb795fe76905d5925bea08?s=50&d=https%3A%2F%2Fs-ssl.wordpress.com%2Fi%2Flogo%2Fwpcom-gray-white.png 1x, https://secure.gravatar.com/blavatar/8b27e9c286ab194a8b14b88d35bd8701fd2234356dfb795fe76905d5925bea08?s=75&d=https%3A%2F%2Fs-ssl.wordpress.com%2Fi%2Flogo%2Fwpcom-gray-white.png 1.5x, https://secure.gravatar.com/blavatar/8b27e9c286ab194a8b14b88d35bd8701fd2234356dfb795fe76905d5925bea08?s=100&d=https%3A%2F%2Fs-ssl.wordpress.com%2Fi%2Flogo%2Fwpcom-gray-white.png 2x, https://secure.gravatar.com/blavatar/8b27e9c286ab194a8b14b88d35bd8701fd2234356dfb795fe76905d5925bea08?s=150&d=https%3A%2F%2Fs-ssl.wordpress.com%2Fi%2Flogo%2Fwpcom-gray-white.png 3x, https://secure.gravatar.com/blavatar/8b27e9c286ab194a8b14b88d35bd8701fd2234356dfb795fe76905d5925bea08?s=200&d=https%3A%2F%2Fs-ssl.wordpress.com%2Fi%2Flogo%2Fwpcom-gray-white.png 4x' class='avatar avatar-50' height='50' width='50' /><span class="actnbr-menu__label">Treasury Inflation-Protected Securities</span></a></div><div class="actnbr-menu__group" role="group"><a role="menuitem" class="actnbr-menu__item actnbr-shortlink" href="https://wp.me/P1uqzl-AX"><span class="actnbr-menu__label actnbr-shortlink__text">Copy shortlink</span><span class="actnbr-menu__icon actnbr-shortlink__icon"><svg class="actnbr-icon actnbr-icon-copy" width="18" height="18" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" aria-hidden="true" focusable="false" fill="currentColor"><path fill-rule="evenodd" clip-rule="evenodd" d="M5 4.5h11a.5.5 0 0 1 .5.5v11a.5.5 0 0 1-.5.5H5a.5.5 0 0 1-.5-.5V5a.5.5 0 0 1 .5-.5ZM3 5a2 2 0 0 1 2-2h11a2 2 0 0 1 2 2v11a2 2 0 0 1-2 2H5a2 2 0 0 1-2-2V5Zm17 3v10.75c0 .69-.56 1.25-1.25 1.25H6v1.5h12.75a2.75 2.75 0 0 0 2.75-2.75V8H20Z"/></svg></span><span class="actnbr-menu__icon actnbr-shortlink__icon-copied"><svg class="actnbr-icon actnbr-icon-check" width="18" height="18" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" aria-hidden="true" focusable="false" style="fill: none" stroke="currentColor" stroke-width="1.5"><path d="M7 12L10 15L17 8" vector-effect="non-scaling-stroke"/></svg></span></a><a role="menuitem" class="actnbr-menu__item actnbr-reader" href="https://wordpress.com/reader/blogs/22028311/posts/2291"><span class="actnbr-menu__label">View post in Reader</span></a></div><div class="actnbr-menu__group" role="group"><a role="menuitem" class="actnbr-menu__item actnbr-subs" href="https://subscribe.wordpress.com/"><span class="actnbr-menu__label">Manage subscriptions</span></a><a role="menuitem" class="actnbr-menu__item actnbr-signup" href="https://wordpress.com/start/"><span class="actnbr-menu__label">Sign up</span></a><a role="menuitem" class="actnbr-menu__item actnbr-login" href="https://wordpress.com/log-in?redirect_to=https%3A%2F%2Fr-login.wordpress.com%2Fremote-login.php%3Faction%3Dlink%26back%3Dhttps%253A%252F%252Ftipswatch.com%252Ftracking-inflation-and-i-bonds%252F"><span class="actnbr-menu__label">Log in</span></a></div><div class="actnbr-menu__group" role="group"><a role="menuitem" class="actnbr-menu__item flb-report" href="https://wordpress.com/abuse/?report_url=https://tipswatch.com/tracking-inflation-and-i-bonds/" target="_blank" rel="noopener noreferrer"><span class="actnbr-menu__label">Report this content</span><span class="actnbr-menu__icon"><svg class="actnbr-icon actnbr-icon-external" width="18" height="18" viewBox="0 0 24 24" xmlns="http://www.w3.org/2000/svg" aria-hidden="true" focusable="false" fill="currentColor"><path d="M19.5 4.5h-7V6h4.44l-5.97 5.97 1.06 1.06L18 7.06v4.44h1.5v-7Zm-13 1a2 2 0 0 0-2 2v10a2 2 0 0 0 2 2h10a2 2 0 0 0 2-2v-3H17v3a.5.5 0 0 1-.5.5h-10a.5.5 0 0 1-.5-.5v-10a.5.5 0 0 1 .5-.5h3V5.5h-3Z"/></svg></span></a></div><div class="actnbr-menu__group" role="group"><a role="menuitem" class="actnbr-menu__item actnbr-fold" href=""><span class="actnbr-menu__label">Collapse this bar</span></a></div> </div> 3798 </li> 3799 </ul> 3800 </div> 3801
3801<script> 3802window.addEventListener( "DOMContentLoaded", function () { 3803 var link = document.createElement( "link" ); 3804 link.href = "\/wp-content\/mu-plugins\/jetpack-plugin\/moon\/jetpack_vendor\/automattic\/jetpack-newsletter\/src\/..\/build\/action-bar.css?ver=33ad88c8b02f7d5bc6d2"; 3805 link.rel = "stylesheet"; 3806 document.head.appendChild( link ); 3807 3808 var script = document.createElement( "script" ); 3809 script.src = "\/wp-content\/mu-plugins\/jetpack-plugin\/moon\/jetpack_vendor\/automattic\/jetpack-newsletter\/src\/..\/build\/action-bar.js?ver=33ad88c8b02f7d5bc6d2"; 3810 document.body.appendChild( script ); 3811 } ); 3812</script>
3812 3813<link rel="prefetch" href="/wp-content/mu-plugins/jetpack-plugin/moon/_inc/blocks/swiper.js" as="script" /> 3814 <div id="jp-carousel-loading-overlay" style="display: none;"> 3815 <div id="jp-carousel-loading-wrapper"> 3816 <span id="jp-carousel-library-loading"><svg class="jetpack-spinner" width="40" height="40" viewBox="0 0 100 100" xmlns="http://www.w3.org/2000/svg" aria-hidden="true" focusable="false"><circle cx="50" cy="50" r="46" fill="none" stroke="#ddd" stroke-width="8"/><path d="M 50 4 A 46 46 0 0 1 96 50" fill="none" stroke="currentColor" stroke-width="8" stroke-linecap="round"><animateTransform attributeName="transform" type="rotate" dur="1.4s" from="0 50 50" to="360 50 50" repeatCount="indefinite"/></path></svg></span> 3817 </div> 3818 </div> 3819 <div class="jp-carousel-overlay" style="display: none;"> 3820 3821 <div class="jp-carousel-container"> 3822 <!-- The Carousel Swiper --> 3823 <div 3824 class="jp-carousel-wrap swiper jp-carousel-swiper-container jp-carousel-transitions" 3825 itemscope 3826 itemtype="https://schema.org/ImageGallery"> 3827 <div class="jp-carousel swiper-wrapper"></div> 3828 <div class="jp-swiper-button-prev swiper-button-prev"> 3829 <svg width="25" height="24" viewBox="0 0 25 24" fill="none" xmlns="http://www.w3.org/2000/svg"> 3830 <mask id="maskPrev" mask-type="alpha" maskUnits="userSpaceOnUse" x="8" y="6" width="9" height="12"> 3831 <path d="M16.2072 16.59L11.6496 12L16.2072 7.41L14.8041 6L8.8335 12L14.8041 18L16.2072 16.59Z" fill="white"/> 3832 </mask> 3833 <g mask="url(#maskPrev)"> 3834 <rect x="0.579102" width="23.8823" height="24" fill="#FFFFFF"/> 3835 </g> 3836 </svg> 3837 </div> 3838 <div class="jp-swiper-button-next swiper-button-next"> 3839 <svg width="25" height="24" viewBox="0 0 25 24" fill="none" xmlns="http://www.w3.org/2000/svg"> 3840 <mask id="maskNext" mask-type="alpha" maskUnits="userSpaceOnUse" x="8" y="6" width="8" height="12"> 3841 <path d="M8.59814 16.59L13.1557 12L8.59814 7.41L10.0012 6L15.9718 12L10.0012 18L8.59814 16.59Z" fill="white"/> 3842 </mask> 3843 <g mask="url(#maskNext)"> 3844 <rect x="0.34375" width="23.8822" height="24" fill="#FFFFFF"/> 3845 </g> 3846 </svg> 3847 </div> 3848 </div> 3849 <!-- The main close buton --> 3850 <div class="jp-carousel-close-hint"> 3851 <svg width="25" height="24" viewBox="0 0 25 24" fill="none" xmlns="http://www.w3.org/2000/svg"> 3852 <mask id="maskClose" mask-type="alpha" maskUnits="userSpaceOnUse" x="5" y="5" width="15" height="14"> 3853 <path d="M19.3166 6.41L17.9135 5L12.3509 10.59L6.78834 5L5.38525 6.41L10.9478 12L5.38525 17.59L6.78834 19L12.3509 13.41L17.9135 19L19.3166 17.59L13.754 12L19.3166 6.41Z" fill="white"/> 3854 </mask> 3855 <g mask="url(#maskClose)"> 3856 <rect x="0.409668" width="23.8823" height="24" fill="#FFFFFF"/> 3857 </g> 3858 </svg> 3859 </div> 3860 <!-- Image info, comments and meta --> 3861 <div class="jp-carousel-info"> 3862 <div class="jp-carousel-info-footer"> 3863 <div class="jp-carousel-pagination-container"> 3864 <div class="jp-swiper-pagination swiper-pagination"></div> 3865 <div class="jp-carousel-pagination"></div> 3866 </div> 3867 <div class="jp-carousel-photo-title-container"> 3868 <div class="jp-carousel-photo-caption"></div> 3869 </div> 3870 <div class="jp-carousel-photo-icons-container"> 3871 <a href="#" class="jp-carousel-icon-btn jp-carousel-icon-info" aria-label="Toggle photo metadata visibility"> 3872 <span class="jp-carousel-icon"> 3873 <svg width="25" height="24" viewBox="0 0 25 24" fill="none" xmlns="http://www.w3.org/2000/svg"> 3874 <mask id="maskInfo" mask-type="alpha" maskUnits="userSpaceOnUse" x="2" y="2" width="21" height="20"> 3875 <path fill-rule="evenodd" clip-rule="evenodd" d="M12.7537 2C7.26076 2 2.80273 6.48 2.80273 12C2.80273 17.52 7.26076 22 12.7537 22C18.2466 22 22.7046 17.52 22.7046 12C22.7046 6.48 18.2466 2 12.7537 2ZM11.7586 7V9H13.7488V7H11.7586ZM11.7586 11V17H13.7488V11H11.7586ZM4.79292 12C4.79292 16.41 8.36531 20 12.7537 20C17.142 20 20.7144 16.41 20.7144 12C20.7144 7.59 17.142 4 12.7537 4C8.36531 4 4.79292 7.59 4.79292 12Z" fill="white"/> 3876 </mask> 3877 <g mask="url(#maskInfo)"> 3878 <rect x="0.8125" width="23.8823" height="24" fill="#FFFFFF"/> 3879 </g> 3880 </svg> 3881 </span> 3882 </a> 3883 <a href="#" class="jp-carousel-icon-btn jp-carousel-icon-comments" aria-label="Toggle photo comments visibility"> 3884 <span class="jp-carousel-icon"> 3885 <svg width="25" height="24" viewBox="0 0 25 24" fill="none" xmlns="http://www.w3.org/2000/svg"> 3886 <mask id="maskComments" mask-type="alpha" maskUnits="userSpaceOnUse" x="2" y="2" width="21" height="20"> 3887 <path fill-rule="evenodd" clip-rule="evenodd" d="M4.3271 2H20.2486C21.3432 2 22.2388 2.9 22.2388 4V16C22.2388 17.1 21.3432 18 20.2486 18H6.31729L2.33691 22V4C2.33691 2.9 3.2325 2 4.3271 2ZM6.31729 16H20.2486V4H4.3271V18L6.31729 16Z" fill="white"/> 3888 </mask> 3889 <g mask="url(#maskComments)"> 3890 <rect x="0.34668" width="23.8823" height="24" fill="#FFFFFF"/> 3891 </g> 3892 </svg> 3893 3894 <span class="jp-carousel-has-comments-indicator" aria-label="This image has comments."></span> 3895 </span> 3896 </a> 3897 </div>
3898 </div> 3899 <div class="jp-carousel-info-extra"> 3900 <div class="jp-carousel-info-content-wrapper"> 3901 <div class="jp-carousel-photo-title-container"> 3902 <div class="jp-carousel-photo-title"></div> 3903 </div> 3904 <div class="jp-carousel-comments-wrapper"> 3905 <div id="jp-carousel-comments-loading"> 3906 <span>Loading Comments...</span> 3907 </div> 3908 <div class="jp-carousel-comments"></div> 3909 <div id="jp-carousel-comment-form-container"> 3910 <span id="jp-carousel-comment-form-spinner"><svg class="jetpack-spinner" width="20" height="20" viewBox="0 0 100 100" xmlns="http://www.w3.org/2000/svg" aria-hidden="true" focusable="false"><circle cx="50" cy="50" r="46" fill="none" stroke="#ddd" stroke-width="8"/><path d="M 50 4 A 46 46 0 0 1 96 50" fill="none" stroke="currentColor" stroke-width="8" stroke-linecap="round"><animateTransform attributeName="transform" type="rotate" dur="1.4s" from="0 50 50" to="360 50 50" repeatCount="indefinite"/></path></svg></span> 3911 <div id="jp-carousel-comment-post-results"></div> 3912 <form id="jp-carousel-comment-form"> 3913 <label for="jp-carousel-comment-form-comment-field" class="screen-reader-text">Write a Comment...</label> 3914 <textarea 3915 name="comment" 3916 class="jp-carousel-comment-form-field jp-carousel-comment-form-textarea" 3917 id="jp-carousel-comment-form-comment-field" 3918 placeholder="Write a Comment..." 3919 ></textarea> 3920 <div id="jp-carousel-comment-form-submit-and-info-wrapper"> 3921 <div id="jp-carousel-comment-form-commenting-as"> 3922 <fieldset> 3923 <label for="jp-carousel-comment-form-email-field">Email (Required)</label> 3924 <input type="text" name="email" class="jp-carousel-comment-form-field jp-carousel-comment-form-text-field" id="jp-carousel-comment-form-email-field" /> 3925 </fieldset> 3926 <fieldset> 3927 <label for="jp-carousel-comment-form-author-field">Name (Required)</label> 3928 <input type="text" name="author" class="jp-carousel-comment-form-field jp-carousel-comment-form-text-field" id="jp-carousel-comment-form-author-field" /> 3929 </fieldset> 3930 <fieldset> 3931 <label for="jp-carousel-comment-form-url-field">Website</label> 3932 <input type="text" name="url" class="jp-carousel-comment-form-field jp-carousel-comment-form-text-field" id="jp-carousel-comment-form-url-field" /> 3933 </fieldset> 3934 </div> 3935 <input 3936 type="submit" 3937 name="submit" 3938 class="jp-carousel-comment-form-button" 3939 id="jp-carousel-comment-form-button-submit" 3940 value="Post Comment" /> 3941 </div> 3942 </form> 3943 </div> 3944 </div> 3945 <div class="jp-carousel-image-meta"> 3946 <div class="jp-carousel-title-and-caption"> 3947 <div class="jp-carousel-photo-info"> 3948 <div class="jp-carousel-caption" itemprop="caption description"></div> 3949 </div> 3950 3951 <div class="jp-carousel-photo-description"></div> 3952 </div> 3953 <a class="jp-carousel-image-download" href="#" aria-label="Download image" target="_blank" style="display: none;"> 3954 <svg width="25" height="24" viewBox="0 0 25 24" fill="none" xmlns="http://www.w3.org/2000/svg"> 3955 <mask id="mask0" mask-type="alpha" maskUnits="userSpaceOnUse" x="3" y="3" width="19" height="18"> 3956 <path fill-rule="evenodd" clip-rule="evenodd" d="M5.84615 5V19H19.7775V12H21.7677V19C21.7677 20.1 20.8721 21 19.7775 21H5.84615C4.74159 21 3.85596 20.1 3.85596 19V5C3.85596 3.9 4.74159 3 5.84615 3H12.8118V5H5.84615ZM14.802 5V3H21.7677V10H19.7775V6.41L9.99569 16.24L8.59261 14.83L18.3744 5H14.802Z" fill="white"/> 3957 </mask> 3958 <g mask="url(#mask0)"> 3959 <rect x="0.870605" width="23.8823" height="24" fill="#FFFFFF"/> 3960 </g> 3961 </svg> 3962 <span class="jp-carousel-download-text"></span> 3963 </a> 3964 <div class="jp-carousel-image-map" style="display: none;"></div> 3965 </div> 3966 </div>
3967 </div> 3968 </div> 3969 </div> 3970 3971 </div> 3972 3973
3973<script type="text/javascript"> 3974 window.WPCOM_sharing_counts = {"https://tipswatch.com/tracking-inflation-and-i-bonds/":2291}; 3975 </script>
3975 3976 3977
3977<script type="text/javascript"> 3978 (function () { 3979 var wpcom_reblog = { 3980 source: 'toolbar', 3981 3982 toggle_reblog_box_flair: function (obj_id, post_id) { 3983 3984 // Go to site selector. This will redirect to their blog if they only have one. 3985 const postEndpoint = `https://wordpress.com/post`; 3986 3987 // Ideally we would use the permalink here, but fortunately this will be replaced with the 3988 // post permalink in the editor. 3989 const originalURL = `${ document.location.href }?page_id=${ post_id }`; 3990 3991 const url = 3992 postEndpoint + 3993 '?url=' + 3994 encodeURIComponent( originalURL ) + 3995 '&is_post_share=true' + 3996 '&v=5'; 3997 3998 const redirect = function () { 3999 if ( 4000 ! window.open( url, '_blank' ) 4001 ) { 4002 location.href = url; 4003 } 4004 }; 4005 4006 if ( /Firefox/.test( navigator.userAgent ) ) { 4007 setTimeout( redirect, 0 ); 4008 } else { 4009 redirect(); 4010 } 4011 }, 4012 }; 4013 4014 window.wpcom_reblog = wpcom_reblog; 4015 })(); 4016 </script>
vendor: 1 bytes, line 4016
4016
4017<script crossorigin='anonymous' type='text/javascript' src='/_static/??-eJx9jksOAiEQRC8k01EzKgvjWRjoIEzzkQaJt5fEGI0Lt1XvVQp6FjrFirHCQsmKTM26yNBTMcqw0KSYkcGPSFUS993keQNfWmgfyRmLlQHbaNPqUJDqUDFkUhV/8j875NZB3xo2vKpoCMsbdlFTM68/OoUwRFEw02MKLg7oEs7b42mWeznLg38CVlFR1g=='></script>
vendor: 1 bytes, line 4017
4017
4018<script id="wp-hooks-js" src="/wp-content/plugins/gutenberg-core/v24.1.0/build/scripts/hooks/index.min.js?m=1790763666i&ver=f0f188028580e8dc1255"></script>
vendor: 1 bytes, line 4018
4018
4019<script id="wp-i18n-js" src="/wp-content/plugins/gutenberg-core/v24.1.0/build/scripts/i18n/index.min.js?m=1790763666i&ver=1dfe7db3940c23ea9216"></script>
vendor: 1 bytes, line 4019
4019
4020<script id="wp-i18n-js-after"> 4021wp.i18n.setLocaleData( { 'text direction\u0004ltr': [ 'ltr' ] } ); 4022//# sourceURL=wp-i18n-js-after 4023</script>
vendor: 1 bytes, line 4023
4023
4024<script id="verbum-settings-js-before"> 4025window.VerbumComments = {"Log in or provide your name and email to leave a reply.":"Log in or provide your name and email to leave a reply.","Log in or provide your name and email to leave a comment.":"Log in or provide your name and email to leave a comment.","Receive web and mobile notifications for posts on this site.":"Receive web and mobile notifications for posts on this site.","Name":"Name","Email (address never made public)":"Email (address never made public)","Website (optional)":"Website (optional)","Leave a reply. (log in optional)":"Leave a reply. (log in optional)","Leave a comment. (log in optional)":"Leave a comment. (log in optional)","Log in to leave a reply.":"Log in to leave a reply.","Log in to leave a comment.":"Log in to leave a comment.","Logged in via %s":"Logged in via %s","Log out":"Log out","Your browser is blocking the cookies needed to log in and comment here. Allow cookies in your privacy settings, then reload the page.":"Your browser is blocking the cookies needed to log in and comment here. Allow cookies in your privacy settings, then reload the page.","Email":"Email","(Address never made public)":"(Address never made public)","Instantly":"Instantly","Daily":"Daily","Reply":"Reply","Comment":"Comment","WordPress":"WordPress","Weekly":"Weekly","Notify me of new posts":"Notify me of new posts","Email me new posts":"Email me new posts","Email me new comments":"Email me new comments","Cancel":"Cancel","Write a comment...":"Write a comment...","Write a reply...":"Write a reply...","Website":"Website","Optional":"Optional","We'll keep you in the loop!":"We'll keep you in the loop!","Loading your comment...":"Loading your comment...","Discover more from":"Discover more from Treasury Inflation-Protected Securities","Subscribe now to keep reading and get access to the full archive.":"Subscribe now to keep reading and get access to the full archive.","Continue reading":"Continue reading","Never miss a beat!":"Never miss a beat!","Interested in getting blog post updates? Simply click the button below to stay in the loop!":"Interested in getting blog post updates? Simply click the button below to stay in the loop!","Enter your email address":"Enter your email address","Subscribe":"Subscribe","Comment sent successfully":"Comment sent successfully","Save my name, email, and website in this browser for the next time I comment.":"Save my name, email, and website in this browser for the next time I comment.","hovercardi18n":{"Edit your profile \u2192":"Edit your profile \u2192","View profile \u2192":"View profile \u2192","Contact":"Contact","Send money":"Send money","Gravatar not found.":"Gravatar not found.","This profile is private.":"This profile is private.","Too Many Requests.":"Too Many Requests.","Internal Server Error.":"Internal Server Error.","Sorry, we are unable to load this Gravatar profile.":"Sorry, we are unable to load this Gravatar profile."},"siteId":22028311,"postId":2291,"mustLogIn":false,"requireNameEmail":true,"commentRegistration":false,"connectURL":"https://tipswatch.wordpress.com/public.api/connect/?action=request\u0026domain=tipswatch.com","logoutURL":"https://tipswatch.wordpress.com/wp-login.php?action=logout\u0026_wpnonce=9e07f72170","homeURL":"https://tipswatch.com/","subscribeToBlog":true,"subscribeToComment":true,"isJetpackCommentsLoggedIn":false,"jetpackUsername":"","jetpackUserId":0,"jetpackSignature":"","jetpackAvatar":"https://0.gravatar.com/avatar/?s=96\u0026amp;d=identicon\u0026amp;r=G","enableBlocks":true,"enableSubscriptionModal":true,"currentLocale":"en","isJetpackComments":false,"allowedBlocks":["core/paragraph","core/list","core/code","core/list-item","core/quote","core/image","core/embed","core/quote","core/code"],"embedNonce":"4360ddb7d2","verbumBundleUrl":"/wp-content/mu-plugins/jetpack-mu-wpcom-plugin/moon/jetpack_vendor/automattic/jetpack-mu-wpcom/src/features/verbum-comments/dist/index.js","isRTL":false,"vbeCacheBuster":1789740582,"iframeUniqueId":0,"colorScheme":false} 4026//# sourceURL=verbum-settings-js-before 4027</script>
vendor: 1 bytes, line 4027
4027
4028<script data-wp-strategy="defer" defer id="verbum-dynamic-loader-js" src="/wp-content/mu-plugins/jetpack-mu-wpcom-plugin/moon/jetpack_vendor/automattic/jetpack-mu-wpcom/src/build/verbum-comments/assets/dynamic-loader.js?m=1772518873i&minify=false&ver=8b5296f9195db92c42e4"></script>
vendor: 1 bytes, line 4028
4028
4029<script id="coblocks-loader-js-extra"> 4030var wpcom_coblocks_js = {"coblocks_masonry_js":"https://s2.wp.com/wp-content/plugins/coblocks/2.18.1-simple-rev.4/dist/js/coblocks-masonry.min.js?m=1681832297i","coblocks_lightbox_js":"https://s2.wp.com/wp-content/plugins/coblocks/2.18.1-simple-rev.4/dist/js/coblocks-lightbox.min.js?m=1681832297i","jquery_core_js":"/wp-includes/js/jquery/jquery.min.js","jquery_migrate_js":"/wp-includes/js/jquery/jquery-migrate.min.js","masonry_js":"/wp-includes/js/masonry.min.js","imagesloaded_js":"/wp-includes/js/imagesloaded.min.js"}; 4031var coblocksLigthboxData = {"closeLabel":"Close Gallery","leftLabel":"Previous","rightLabel":"Next"}; 4032//# sourceURL=coblocks-loader-js-extra 4033</script>
vendor: 1 bytes, line 4033
4033
4034<script id="jetpack-carousel-js-extra"> 4035var jetpackSwiperLibraryPath = {"url":"/wp-content/mu-plugins/jetpack-plugin/moon/_inc/blocks/swiper.js"}; 4036var jetpackCarouselStrings = {"widths":[370,700,1000,1200,1400,2000],"is_logged_in":"","lang":"en","ajaxurl":"https://tipswatch.com/wp-admin/admin-ajax.php","nonce":"41f93483e0","display_exif":"1","display_comments":"1","single_image_gallery":"1","single_image_gallery_media_file":"","background_color":"black","comment":"Comment","post_comment":"Post Comment","write_comment":"Write a Comment...","loading_comments":"Loading Comments...","image_label":"Open image in full-screen.","download_original":"View full size \u003Cspan class=\"photo-size\"\u003E{0}\u003Cspan class=\"photo-size-times\"\u003E\u00d7\u003C/span\u003E{1}\u003C/span\u003E","no_comment_text":"Please be sure to submit some text with your comment.","no_comment_email":"Please provide an email address to comment.","no_comment_author":"Please provide your name to comment.","comment_post_error":"Sorry, but there was an error posting your comment. Please try again later.","comment_approved":"Your comment was approved.","comment_unapproved":"Your comment is in moderation.","camera":"Camera","aperture":"Aperture","shutter_speed":"Shutter Speed","focal_length":"Focal Length","copyright":"Copyright","comment_registration":"0","require_name_email":"1","login_url":"https://tipswatch.wordpress.com/wp-login.php?redirect_to=https%3A%2F%2Ftipswatch.com%2Ftracking-inflation-and-i-bonds%2F","blog_id":"22028311","meta_data":["camera","aperture","shutter_speed","focal_length","copyright"],"stats_query_args":"blog=22028311&v=wpcom&tz=-4&user_id=0&subd=tipswatch","is_public":"1"}; 4037//# sourceURL=jetpack-carousel-js-extra 4038</script>
vendor: 1 bytes, line 4038
4038
4039<script id="sharing-js-js-extra"> 4040var sharing_js_options = {"lang":"en","counts":"1","is_stats_active":"1"}; 4041//# sourceURL=sharing-js-js-extra 4042</script>
vendor: 1 bytes, line 4042
4042
4043<script id="jetpack-script-data-js-before"> 4044window.JetpackScriptData = {"site":{"host":"wpcom","is_wpcom_platform":true}}; 4045//# sourceURL=jetpack-script-data-js-before 4046</script>
vendor: 1 bytes, line 4046
4046
4047<script crossorigin='anonymous' type='text/javascript' src='/_static/??-eJydUNFuwjAM/KElaWEa8DDtU5BJPOY2iaPYAe3vQdB2aA/btDf77nynszsX4zkrZnUltiNlcZ4Pkf0obmX7re2NUCoRTcWTfXaBRN3wJTKRIWC1ibId5Mk9+KVmZssBtYAfzRU6F89pIlxizjO5P2EOXB005QSq5JczEEEVd2gUwwKKr1TUBFD4Q/Jj4J6yn8w8VG6CcdHNwC+FYCRJqGZtu7vdDLzXmzj8cDtH3F/xbf1/FfmAigFC+LyNlI9Th7f02m923bZb7V42wwV997lz'></script>
vendor: 1 bytes, line 4047
4047
4048<script id="sharing-js-js-after"> 4049window.WPCOM_sharing_popups = window.WPCOM_sharing_popups || {}; 4050window.WPCOM_sharing_popups[ "facebook" ] = "menubar=1,resizable=1,width=600,height=400"; 4051window.WPCOM_sharing_popups = window.WPCOM_sharing_popups || {}; 4052window.WPCOM_sharing_popups[ "x" ] = "menubar=1,resizable=1,width=600,height=350"; 4053//# sourceURL=sharing-js-js-after 4054</script>
vendor: 1 bytes, line 4054
4054
4055<script id="wp-emoji-settings" type="application/json"> 4056{"baseUrl":"https://s0.wp.com/wp-content/mu-plugins/wpcom-smileys/twemoji/2/72x72/","ext":".png","svgUrl":"https://s0.wp.com/wp-content/mu-plugins/wpcom-smileys/twemoji/2/svg/","svgExt":".svg","source":{"concatemoji":"/wp-includes/js/wp-emoji-release.min.js?m=1783090810i&ver=7.2-alpha-63525"}} 4057</script>
vendor: 1 bytes, line 4057
4057
4058<script type="module"> 4059/*! This file is auto-generated */ 4060var e="script#wp-emoji-settings",t=document.querySelector(e);if(!(t instanceof HTMLScriptElement))throw new Error("Element missing: "+e);const r=JSON.parse(t.text),s=(window._wpemojiSettings=r,"wpEmojiSettingsSupports"),o=["flag","emoji"];function i(e){try{var t={supportTests:e,timestamp:(new Date).valueOf()};sessionStorage.setItem(s,JSON.stringify(t))}catch(e){}}function c(e,t,n){e.clearRect(0,0,e.canvas.width,e.canvas.height),e.fillText(t,0,0);t=new Uint32Array(e.getImageData(0,0,e.canvas.width,e.canvas.height).data);e.clearRect(0,0,e.canvas.width,e.canvas.height),e.fillText(n,0,0);const r=new Uint32Array(e.getImageData(0,0,e.canvas.width,e.canvas.height).data);return t.every((e,t)=>e===r[t])}function p(e,t){e.clearRect(0,0,e.canvas.width,e.canvas.height),e.fillText(t,0,0);var n=e.getImageData(16,16,1,1);for(let e=0;e<n.data.length;e++)if(0!==n.data[e])return!1;return!0}function u(e,t,n,r){switch(t){case"flag":return n(e,"\ud83c\udff3\ufe0f\u200d\u26a7\ufe0f","\ud83c\udff3\ufe0f\u200b\u26a7\ufe0f")?!1:!n(e,"\ud83c\udde8\ud83c\uddf6","\ud83c\udde8\u200b\ud83c\uddf6")&&!n(e,"\ud83c\udff4\udb40\udc67\udb40\udc62\udb40\udc65\udb40\udc6e\udb40\udc67\udb40\udc7f","\ud83c\udff4\u200b\udb40\udc67\u200b\udb40\udc62\u200b\udb40\udc65\u200b\udb40\udc6e\u200b\udb40\udc67\u200b\udb40\udc7f");case"emoji":return!r(e,"\ud83e\u1fac8")}return!1}function f(e,t,n,r){let a;const s=(a="undefined"!=typeof WorkerGlobalScope&&self instanceof WorkerGlobalScope?new OffscreenCanvas(300,150):document.createElement("canvas")).getContext("2d",{willReadFrequently:!0}),o=(s.textBaseline="top",s.font="600 32px Arial",{});return e.forEach(e=>{o[e]=t(s,e,n,r)}),o}function a(e){var t=document.createElement("script");t.src=e,t.defer=!0,document.head.appendChild(t)}r.supports={everything:!0,everythingExceptFlag:!0},new Promise(t=>{let n=function(){try{var e=JSON.parse(sessionStorage.getItem(s));if("object"==typeof e&&"number"==typeof e.timestamp&&(new Date).valueOf()<e.timestamp+604800&&"object"==typeof e.supportTests)return e.supportTests}catch(e){}return null}();if(!n){if("undefined"!=typeof Worker&&"undefined"!=typeof OffscreenCanvas&&"undefined"!=typeof URL&&URL.createObjectURL&&"undefined"!=typeof Blob)try{var e="postMessage("+f.toString()+"("+[JSON.stringify(o),u.toString(),c.toString(),p.toString()].join(",")+"));",r=new Blob([e],{type:"text/javascript"});const a=new Worker(URL.createObjectURL(r),{name:"wpTestEmojiSupports"});return void(a.onmessage=e=>{i(n=e.data),a.terminate(),t(n)})}catch(e){}i(n=f(o,u,c,p))}t(n)}).then(e=>{for(const n in e)r.supports[n]=e[n],r.supports.everything=r.supports.everything&&r.supports[n],"flag"!==n&&(r.supports.everythingExceptFlag=r.supports.everythingExceptFlag&&r.supports[n]);var t;r.supports.everythingExceptFlag=r.supports.everythingExceptFlag&&!r.supports.flag,r.supports.everything||((t=r.source||{}).concatemoji?a(t.concatemoji):t.wpemoji&&t.twemoji&&(a(t.twemoji),a(t.wpemoji)))}); 4061//# sourceURL=/wp-includes/js/wp-emoji-loader.min.js 4062</script>
4062 4063 <iframe src='https://widgets.wp.com/likes/master.html?ver=20261001#ver=20261001' scrolling='no' id='likes-master' name='likes-master' style='display:none;'></iframe> 4064 <div id='likes-other-gravatars' role="dialog" aria-hidden="true" tabindex="-1"><div class="likes-text"><span>%d</span></div><ul class="wpl-avatars sd-like-gravatars"></ul></div> 4065
4065<script src="//stats.wp.com/w.js?69" defer></script>
4065
4065<script type="text/javascript"> 4066_tkq = window._tkq || []; 4067_stq = window._stq || []; 4068_tkq.push(['storeContext', {'blog_id':'22028311','blog_tz':'-4','user_lang':'en','blog_lang':'en','user_id':'0'}]); 4069 // Prevent sending pageview tracking from WP-Admin pages. 4070 _stq.push(['view', {'blog':'22028311','v':'wpcom','tz':'-4','user_id':'0','post':'2291','subd':'tipswatch'}]); 4071 _stq.push(['extra', {'crypt':'UE5XaGUuOTlwaD85flAmcm1mcmZsaDhkV11YdWtpP0NsWnVkPS9sL0ViLndld3BuVT01Uj14Ti1yYTBnX3xuYUQ3Qz1oblZbVHV3MTZoVXFwTTVDK2wuPT1KWzJNV19iQk9bTmF0PUUlUlYzbW1nYyxHTnlKQiUsT0hKb2tYK09aZkN6LzJmYVtxMGpoLT9rJnJRJXg4S3dLRnBlQUMwUGMxNjBQc0hXfkVIMW9BSXczbXo4ZHI/SU15P1RCcHBlMUxoR2NEdnZEW2ZpaUwzPy52fj1FODBBNkI0TEQ3WThuLVhnfllDJlssMjF4MkRfb0RLV3lGd1MxMXR8eG9xM1U9TVI3TXBdMj1TW0xTRXIvY0QuOC5bVERGL1VRdTVHeXU/cFBSdl1LaW1PWHQyUWlReW94T0lkWm9RNGRIJlpHWzFxTDRJcF1tLWtVfnlPanY1bC83fGRZTWh4UVQ2UzdpQy1KX0g='}]); 4072_stq.push([ 'clickTrackerInit', '22028311', '2291' ]); 4073</script>
4073 4074<noscript><img src="https://pixel.wp.com/b.gif?v=noscript" style="height:1px;width:1px;overflow:hidden;position:absolute;bottom:1px;" alt="" /></noscript> 4075<meta id="bilmur" property="bilmur:data" content="" data-provider="wordpress.com" data-service="simple" data-site-tz="America/New_York" data-custom-props="{"logged_in":"0","wptheme":"pub\/twentyten","wptheme_is_block":"0"}" > 4076
4076<script defer src="/wp-content/js/bilmur.min.js?i=19&m=202640"></script>
4076
4077<script> 4078(function() { 4079 'use strict'; 4080 4081 const fetches = {}; 4082 const promises = {}; 4083 const urls = { 4084 'wp-polyfill': '/wp-includes/js/dist/vendor/wp-polyfill.min.js?m=1786440387i&ver=3.15.0', 4085 'verbum': '/wp-content/mu-plugins/jetpack-mu-wpcom-plugin/moon/jetpack_vendor/automattic/jetpack-mu-wpcom/src/build/verbum-comments/verbum-comments.js?m=1790802967i&minify=false&ver=03e9edda7ccdfe9a67c4' 4086 }; 4087 const loaders = { 4088 'verbum': () => { 4089 fetchExternalScript('wp-polyfill'); 4090 fetchExternalScript('verbum'); 4091 promises['wp-polyfill'] = promises['wp-polyfill'] || loadWPScript('wp-polyfill'); 4092 promises['verbum'] = promises['verbum'] || promises['wp-polyfill'].then( () => loadWPScript('verbum') ); 4093 return promises['verbum']; 4094 }, 4095 4096 }; 4097 const scriptExtras = { 4098 4099 }; 4100 4101 window.WP_Enqueue_Dynamic_Script = { 4102 loadScript: (handle) => { 4103 if (!loaders[handle]) { 4104 console.error('WP_Enqueue_Dynamic_Script: unregistered script `' + handle + '`.'); 4105 } 4106 return loaders[handle](); 4107 } 4108 }; 4109 4110 function fetchExternalScript(handle) { 4111 if (!urls[handle]) { 4112 return Promise.resolve(); 4113 } 4114 4115 fetches[handle] = fetches[handle] || fetch(urls[handle], { mode: 'no-cors' }); 4116 return fetches[handle]; 4117 } 4118 4119 function runExtraScript(handle, type, index) { 4120 const id = 'wp-enqueue-dynamic-script:' + handle + ':' + type + ':' + (index + 1); 4121 const template = document.getElementById(id); 4122 if (!template) { 4123 return Promise.reject(); 4124 } 4125 4126 const script = document.createElement( 'script' ); 4127 script.innerHTML = template.innerHTML; 4128 document.body.appendChild( script ); 4129 return Promise.resolve(); 4130 } 4131 4132 function loadExternalScript(handle) { 4133 if (!urls[handle]) { 4134 return Promise.resolve(); 4135 } 4136 4137 return fetches[handle].then(() => { 4138 return new Promise((resolve, reject) => { 4139 const script = document.createElement('script'); 4140 script.onload = () => resolve(); 4141 script.onerror = (e) => reject(e); 4142 script.src = urls[handle]; 4143 document.body.appendChild(script); 4144 }); 4145 }); 4146 } 4147 4148 function loadExtra(handle, pos) { 4149 const count = (scriptExtras[handle] && scriptExtras[handle][pos]) || 0; 4150 let promise = Promise.resolve(); 4151 4152 for (let i = 0; i < count; i++) { 4153 promise = promise.then(() => runExtraScript(handle, pos, i)); 4154 } 4155 4156 return promise; 4157 } 4158 4159 function loadWPScript(handle) { 4160 // Core loads scripts in this order. See: https://github.com/WordPress/WordPress/blob/a59eb9d39c4fcba834b70c9e8dfd64feeec10ba6/wp-includes/class-wp-scripts.php#L428. 4161 return loadExtra(handle, 'translations') 4162 .then(() => loadExtra(handle, 'before')) 4163 .then(() => loadExternalScript(handle)) 4164 .then(() => loadExtra(handle, 'after')); 4165 } 4166} )(); 4167</script>
4167 4168</body> 4169</html>
Line numbers count LF bytes from the start of the resource, as the search results do. Vendor segments are library code the classifier recognised; they are stored but not indexed. Bytes are shown as Latin1 characters, one per byte.