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6Inflation and I Bonds | Treasury Inflation-Protected Securities</title>
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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;}
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244</style>
245
246<style id="classic-theme-styles-inline-css">
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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}
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254</style>
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256<style id="global-styles-inline-css">
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506											<h1 class="entry-title">Inflation and I&nbsp;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&nbsp; 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&#8217;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&#8217;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/">Let’s ‘try’ to clarify how an I Bond’s 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: Here’s 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&amp;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&amp;h=126 150w, https://tipswatch.com/wp-content/uploads/2021/11/bottom.jpg?w=300&amp;
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&amp;h=150 51w, https://tipswatch.com/wp-content/uploads/2019/04/inflationbonds.jpg?w=102&amp;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">&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;&#8212;</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&amp;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>
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601
602				
603			<div id="comments">
604
605
606			<h3 id="comments-title">
607			137 Responses to <em>Inflation and I&nbsp;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 &#187; 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&#039;s avatar' src='https://1.gravatar.com/avatar/d53ee68dbae0d79db74a540f2abf612bbfd8a2377b3f1d4eadc815d41f469d69?s=40&#038;d=identicon&#038;r=G' srcset='https://1.gravatar.com/avatar/d53ee68dbae0d79db74a540f2abf612bbfd8a2377b3f1d4eadc815d41f469d69?s=40&#038;d=identicon&#038;r=G 1x, https://1.gravatar.com/avatar/d53ee68dbae0d79db74a540f2abf612bbfd8a2377b3f1d4eadc815d41f469d69?s=60&#038;d=identicon&#038;r=G 1.5x, https://1.gravatar.com/avatar/d53ee68dbae0d79db74a540f2abf612bbfd8a2377b3f1d4eadc815d41f469d69?s=80&#038;d=identicon&#038;r=G 2x, https://1.gravatar.com/avatar/d53ee68dbae0d79db74a540f2abf612bbfd8a2377b3f1d4eadc815d41f469d69?s=120&#038;d=identicon&#038;r=G 3x, https://1.gravatar.com/avatar/d53ee68dbae0d79db74a540f2abf612bbfd8a2377b3f1d4eadc815d41f469d69?s=160&#038;d=identicon&#038;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&#8217;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">
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636		<div id="comment-43716">
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638				<img referrerpolicy="no-referrer" alt='Scott&#039;s avatar' src='https://2.gravatar.com/avatar/e40654ba4a874a1fcb3035a0df5eda393d8f9803a6a6575c0d2351e9b47411ad?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/e40654ba4a874a1fcb3035a0df5eda393d8f9803a6a6575c0d2351e9b47411ad?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/e40654ba4a874a1fcb3035a0df5eda393d8f9803a6a6575c0d2351e9b47411ad?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/e40654ba4a874a1fcb3035a0df5eda393d8f9803a6a6575c0d2351e9b47411ad?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/e40654ba4a874a1fcb3035a0df5eda393d8f9803a6a6575c0d2351e9b47411ad?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/e40654ba4a874a1fcb3035a0df5eda393d8f9803a6a6575c0d2351e9b47411ad?s=160&#038;d=identicon&#038;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&#039;s avatar' src='https://0.gravatar.com/avatar/3795d7b7f31c81b63c0026b08f16753817eae90fbe304af9a3c5d619387e8f22?s=40&#038;d=identicon&#038;r=G' srcset='https://0.gravatar.com/avatar/3795d7b7f31c81b63c0026b08f16753817eae90fbe304af9a3c5d619387e8f22?s=40&#038;d=identicon&#038;r=G 1x, https://0.gravatar.com/avatar/3795d7b7f31c81b63c0026b08f16753817eae90fbe304af9a3c5d619387e8f22?s=60&#038;d=identicon&#038;r=G 1.5x, https://0.gravatar.com/avatar/3795d7b7f31c81b63c0026b08f16753817eae90fbe304af9a3c5d619387e8f22?s=80&#038;d=identicon&#038;r=G 2x, https://0.gravatar.com/avatar/3795d7b7f31c81b63c0026b08f16753817eae90fbe304af9a3c5d619387e8f22?s=120&#038;d=identicon&#038;r=G 3x, https://0.gravatar.com/avatar/3795d7b7f31c81b63c0026b08f16753817eae90fbe304af9a3c5d619387e8f22?s=160&#038;d=identicon&#038;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 &#8220;add bond by Cusip&#8221;?</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&#8217;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&#039;s avatar' src='https://0.gravatar.com/avatar/f8196229495d525d8286978ed8756bae58801d6109d75e1962927b68456d7ab6?s=40&#038;d=identicon&#038;r=G' srcset='https://0.gravatar.com/avatar/f8196229495d525d8286978ed8756bae58801d6109d75e1962927b68456d7ab6?s=40&#038;d=identicon&#038;r=G 1x, https://0.gravatar.com/avatar/f8196229495d525d8286978ed8756bae58801d6109d75e1962927b68456d7ab6?s=60&#038;d=identicon&#038;r=G 1.5x, https://0.gravatar.com/avatar/f8196229495d525d8286978ed8756bae58801d6109d75e1962927b68456d7ab6?s=80&#038;d=identicon&#038;r=G 2x, https://0.gravatar.com/avatar/f8196229495d525d8286978ed8756bae58801d6109d75e1962927b68456d7ab6?s=120&#038;d=identicon&#038;r=G 3x, https://0.gravatar.com/avatar/f8196229495d525d8286978ed8756bae58801d6109d75e1962927b68456d7ab6?s=160&#038;d=identicon&#038;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 -->
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694
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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&#039;s avatar' src='https://2.gravatar.com/avatar/bf9f7e1bc0a2e5d81d6d840b9c9007db2796c30c6a4a4883db43be87c227bc60?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/bf9f7e1bc0a2e5d81d6d840b9c9007db2796c30c6a4a4883db43be87c227bc60?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/bf9f7e1bc0a2e5d81d6d840b9c9007db2796c30c6a4a4883db43be87c227bc60?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/bf9f7e1bc0a2e5d81d6d840b9c9007db2796c30c6a4a4883db43be87c227bc60?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/bf9f7e1bc0a2e5d81d6d840b9c9007db2796c30c6a4a4883db43be87c227bc60?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/bf9f7e1bc0a2e5d81d6d840b9c9007db2796c30c6a4a4883db43be87c227bc60?s=160&#038;d=identicon&#038;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&#8217;t make any difference.  The geometric CAGR will lag the arithmetic average, but the same math applies to the inflation you&#8217;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&#039;s avatar' src='https://0.gravatar.com/avatar/987964f902d513c0770e5c468cf68902a8ec3000c74a2b65c9731c1c0278d485?s=40&#038;d=identicon&#038;r=G' srcset='https://0.gravatar.com/avatar/987964f902d513c0770e5c468cf68902a8ec3000c74a2b65c9731c1c0278d485?s=40&#038;d=identicon&#038;r=G 1x, https://0.gravatar.com/avatar/987964f902d513c0770e5c468cf68902a8ec3000c74a2b65c9731c1c0278d485?s=60&#038;d=identicon&#038;r=G 1.5x, https://0.gravatar.com/avatar/987964f902d513c0770e5c468cf68902a8ec3000c74a2b65c9731c1c0278d485?s=80&#038;d=identicon&#038;r=G 2x, https://0.gravatar.com/avatar/987964f902d513c0770e5c468cf68902a8ec3000c74a2b65c9731c1c0278d485?s=120&#038;d=identicon&#038;r=G 3x, https://0.gravatar.com/avatar/987964f902d513c0770e5c468cf68902a8ec3000c74a2b65c9731c1c0278d485?s=160&#038;d=identicon&#038;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 &gt; 1.5% for sure. Some where between 1.6-1.9% seems likely. What’s 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&#039;s avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&#038;d=identicon&#038;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&#039;s avatar' src='https://2.gravatar.com/avatar/ea5182f3de6545476ae3c154e0cb3f4ed739f53b7147f41955f2669f2af1536c?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/ea5182f3de6545476ae3c154e0cb3f4ed739f53b7147f41955f2669f2af1536c?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/ea5182f3de6545476ae3c154e0cb3f4ed739f53b7147f41955f2669f2af1536c?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/ea5182f3de6545476ae3c154e0cb3f4ed739f53b7147f41955f2669f2af1536c?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/ea5182f3de6545476ae3c154e0cb3f4ed739f53b7147f41955f2669f2af1536c?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/ea5182f3de6545476ae3c154e0cb3f4ed739f53b7147f41955f2669f2af1536c?s=160&#038;d=identicon&#038;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&#039;s avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&#038;d=identicon&#038;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&#039;s avatar' src='https://1.gravatar.com/avatar/ad2733fd404e1de5fc97601ef340d0f30fbca5375d7d7b526638083eb6bcd3a9?s=40&#038;d=identicon&#038;r=G' srcset='https://1.gravatar.com/avatar/ad2733fd404e1de5fc97601ef340d0f30fbca5375d7d7b526638083eb6bcd3a9?s=40&#038;d=identicon&#038;r=G 1x, https://1.gravatar.com/avatar/ad2733fd404e1de5fc97601ef340d0f30fbca5375d7d7b526638083eb6bcd3a9?s=60&#038;d=identicon&#038;r=G 1.5x, https://1.gravatar.com/avatar/ad2733fd404e1de5fc97601ef340d0f30fbca5375d7d7b526638083eb6bcd3a9?s=80&#038;d=identicon&#038;r=G 2x, https://1.gravatar.com/avatar/ad2733fd404e1de5fc97601ef340d0f30fbca5375d7d7b526638083eb6bcd3a9?s=120&#038;d=identicon&#038;r=G 3x, https://1.gravatar.com/avatar/ad2733fd404e1de5fc97601ef340d0f30fbca5375d7d7b526638083eb6bcd3a9?s=160&#038;d=identicon&#038;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&#8230;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&#8230;</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 -->
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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&#039;s avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&#038;d=identicon&#038;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 &#8211; 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&#039;s avatar' src='https://0.gravatar.com/avatar/6dabdba8166a1b470604b9defd29167432b7c90e09d17400e9d2bc7b0ed4799f?s=40&#038;d=identicon&#038;r=G' srcset='https://0.gravatar.com/avatar/6dabdba8166a1b470604b9defd29167432b7c90e09d17400e9d2bc7b0ed4799f?s=40&#038;d=identicon&#038;r=G 1x, https://0.gravatar.com/avatar/6dabdba8166a1b470604b9defd29167432b7c90e09d17400e9d2bc7b0ed4799f?s=60&#038;d=identicon&#038;r=G 1.5x, https://0.gravatar.com/avatar/6dabdba8166a1b470604b9defd29167432b7c90e09d17400e9d2bc7b0ed4799f?s=80&#038;d=identicon&#038;r=G 2x, https://0.gravatar.com/avatar/6dabdba8166a1b470604b9defd29167432b7c90e09d17400e9d2bc7b0ed4799f?s=120&#038;d=identicon&#038;r=G 3x, https://0.gravatar.com/avatar/6dabdba8166a1b470604b9defd29167432b7c90e09d17400e9d2bc7b0ed4799f?s=160&#038;d=identicon&#038;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&#8217;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&#039;s avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&#038;d=identicon&#038;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. That’s 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&#039;s avatar' src='https://0.gravatar.com/avatar/6dabdba8166a1b470604b9defd29167432b7c90e09d17400e9d2bc7b0ed4799f?s=40&#038;d=identicon&#038;r=G' srcset='https://0.gravatar.com/avatar/6dabdba8166a1b470604b9defd29167432b7c90e09d17400e9d2bc7b0ed4799f?s=40&#038;d=identicon&#038;r=G 1x, https://0.gravatar.com/avatar/6dabdba8166a1b470604b9defd29167432b7c90e09d17400e9d2bc7b0ed4799f?s=60&#038;d=identicon&#038;r=G 1.5x, https://0.gravatar.com/avatar/6dabdba8166a1b470604b9defd29167432b7c90e09d17400e9d2bc7b0ed4799f?s=80&#038;d=identicon&#038;r=G 2x, https://0.gravatar.com/avatar/6dabdba8166a1b470604b9defd29167432b7c90e09d17400e9d2bc7b0ed4799f?s=120&#038;d=identicon&#038;r=G 3x, https://0.gravatar.com/avatar/6dabdba8166a1b470604b9defd29167432b7c90e09d17400e9d2bc7b0ed4799f?s=160&#038;d=identicon&#038;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 &#8217;07, I got to $151k on a 0% fixed, 163k on a .5% fixed, and 173k on .9% fixed &#8211; this would be at October &#8217;23. At a 24% tax rate you&#8217;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&#039;s avatar' src='https://0.gravatar.com/avatar/ce48b76260452bc3628ba71b07f7c2112bcc148229c4dc4bbf0606ffd574eda6?s=40&#038;d=identicon&#038;r=G' srcset='https://0.gravatar.com/avatar/ce48b76260452bc3628ba71b07f7c2112bcc148229c4dc4bbf0606ffd574eda6?s=40&#038;d=identicon&#038;r=G 1x, https://0.gravatar.com/avatar/ce48b76260452bc3628ba71b07f7c2112bcc148229c4dc4bbf0606ffd574eda6?s=60&#038;d=identicon&#038;r=G 1.5x, https://0.gravatar.com/avatar/ce48b76260452bc3628ba71b07f7c2112bcc148229c4dc4bbf0606ffd574eda6?s=80&#038;d=identicon&#038;r=G 2x, https://0.gravatar.com/avatar/ce48b76260452bc3628ba71b07f7c2112bcc148229c4dc4bbf0606ffd574eda6?s=120&#038;d=identicon&#038;r=G 3x, https://0.gravatar.com/avatar/ce48b76260452bc3628ba71b07f7c2112bcc148229c4dc4bbf0606ffd574eda6?s=160&#038;d=identicon&#038;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&#039;s avatar' src='https://0.gravatar.com/avatar/0f3e588b6ba9a2ea3fcf189b22c616e55cacf84cd52b7b7bc340a91abdd540ba?s=40&#038;d=identicon&#038;r=G' srcset='https://0.gravatar.com/avatar/0f3e588b6ba9a2ea3fcf189b22c616e55cacf84cd52b7b7bc340a91abdd540ba?s=40&#038;d=identicon&#038;r=G 1x, https://0.gravatar.com/avatar/0f3e588b6ba9a2ea3fcf189b22c616e55cacf84cd52b7b7bc340a91abdd540ba?s=60&#038;d=identicon&#038;r=G 1.5x, https://0.gravatar.com/avatar/0f3e588b6ba9a2ea3fcf189b22c616e55cacf84cd52b7b7bc340a91abdd540ba?s=80&#038;d=identicon&#038;r=G 2x, https://0.gravatar.com/avatar/0f3e588b6ba9a2ea3fcf189b22c616e55cacf84cd52b7b7bc340a91abdd540ba?s=120&#038;d=identicon&#038;r=G 3x, https://0.gravatar.com/avatar/0f3e588b6ba9a2ea3fcf189b22c616e55cacf84cd52b7b7bc340a91abdd540ba?s=160&#038;d=identicon&#038;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&#039;s avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&#038;d=identicon&#038;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&#8217;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&#039;s avatar' src='https://1.gravatar.com/avatar/79f3864e7000ef653f766669e83a05e442d48601116965aedfdb6272caa07797?s=40&#038;d=identicon&#038;r=G' srcset='https://1.gravatar.com/avatar/79f3864e7000ef653f766669e83a05e442d48601116965aedfdb6272caa07797?s=40&#038;d=identicon&#038;r=G 1x, https://1.gravatar.com/avatar/79f3864e7000ef653f766669e83a05e442d48601116965aedfdb6272caa07797?s=60&#038;d=identicon&#038;r=G 1.5x, https://1.gravatar.com/avatar/79f3864e7000ef653f766669e83a05e442d48601116965aedfdb6272caa07797?s=80&#038;d=identicon&#038;r=G 2x, https://1.gravatar.com/avatar/79f3864e7000ef653f766669e83a05e442d48601116965aedfdb6272caa07797?s=120&#038;d=identicon&#038;r=G 3x, https://1.gravatar.com/avatar/79f3864e7000ef653f766669e83a05e442d48601116965aedfdb6272caa07797?s=160&#038;d=identicon&#038;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&#039;s avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&#038;d=identicon&#038;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-## -->
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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&#039;s avatar' src='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&#038;d=identicon&#038;r=G' srcset='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&#038;d=identicon&#038;r=G 1x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=60&#038;d=identicon&#038;r=G 1.5x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=80&#038;d=identicon&#038;r=G 2x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=120&#038;d=identicon&#038;r=G 3x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=160&#038;d=identicon&#038;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&#8217;t have a clue about what effect a default would have&#8230;</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&#039;s avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&#038;d=identicon&#038;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&#8217;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 -->
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1025
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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&#039;
1030s avatar' src='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&#038;d=identicon&#038;r=G' srcset='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&#038;d=identicon&#038;r=G 1x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=60&#038;d=identicon&#038;r=G 1.5x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=80&#038;d=identicon&#038;r=G 2x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=120&#038;d=identicon&#038;r=G 3x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=160&#038;d=identicon&#038;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 &#8220;pecking order&#8221; for government bonds if there would be a default. Granted this is likely just an academic question&#8230;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&#039;s avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&#038;d=identicon&#038;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&#039;s avatar' src='https://1.gravatar.com/avatar/1c50b2ab29022217c2e3fe0f1adf2287d83f7cf6ae00308b997d5a1579fb2c85?s=40&#038;d=identicon&#038;r=G' srcset='https://1.gravatar.com/avatar/1c50b2ab29022217c2e3fe0f1adf2287d83f7cf6ae00308b997d5a1579fb2c85?s=40&#038;d=identicon&#038;r=G 1x, https://1.gravatar.com/avatar/1c50b2ab29022217c2e3fe0f1adf2287d83f7cf6ae00308b997d5a1579fb2c85?s=60&#038;d=identicon&#038;r=G 1.5x, https://1.gravatar.com/avatar/1c50b2ab29022217c2e3fe0f1adf2287d83f7cf6
1066ae00308b997d5a1579fb2c85?s=80&#038;d=identicon&#038;r=G 2x, https://1.gravatar.com/avatar/1c50b2ab29022217c2e3fe0f1adf2287d83f7cf6ae00308b997d5a1579fb2c85?s=120&#038;d=identicon&#038;r=G 3x, https://1.gravatar.com/avatar/1c50b2ab29022217c2e3fe0f1adf2287d83f7cf6ae00308b997d5a1579fb2c85?s=160&#038;d=identicon&#038;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 &#8220;wait it out&#8221; 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&#8217;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-## -->
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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&#039;s avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&#038;d=identicon&#038;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&#8217;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 -->
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1101
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1106		<div id="comment-27946">
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1108				<img referrerpolicy="no-referrer" alt='Anthony&#039;s avatar' src='https://1.gravatar.com/avatar/480b75da19be37a44f3995cfcf00dac42a30d9919daf6731cb1dba2093609d55?s=40&#038;d=identicon&#038;r=G' srcset='https://1.gravatar.com/avatar/480b75da19be37a44f3995cfcf00dac42a30d9919daf6731cb1dba2093609d55?s=40&#038;d=identicon&#038;r=G 1x, https://1.gravatar.com/avatar/480b75da19be37a44f3995cfcf00dac42a30d9919daf6731cb1dba2093609d55?s=60&#038;d=identicon&#038;r=G 1.5x, https://1.gravatar.com/avatar/480b75da19be37a44f3995cfcf00dac42a30d9919daf6731cb1dba2093609d55?s=80&#038;d=identicon&#038;r=G 2x, https://1.gravatar.com/avatar/480b75da19be37a44f3995cfcf00dac42a30d9919daf6731cb1dba2093609d55?s=120&#038;d=identicon&#038;r=G 3x, https://1.gravatar.com/avatar/480b75da19be37a44f3995cfcf00dac42a30d9919daf6731cb1dba2093609d55?s=160&#038;d=identicon&#038;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 -->
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1121
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1123		<li class="comment byuser comment-author-tipswatch bypostauthor even depth-2" id="li-comment-27948">
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1126				<img referrerpolicy="no-referrer" alt='Tipswatch&#039;s avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&#038;d=identicon&#038;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 -->
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1145			<div class="comment-author vcard">
1146				<img referrerpolicy="no-referrer" alt='Bill&#039;
1146s avatar' src='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&#038;d=identicon&#038;r=G' srcset='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&#038;d=identicon&#038;r=G 1x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=60&#038;d=identicon&#038;r=G 1.5x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=80&#038;d=identicon&#038;r=G 2x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=120&#038;d=identicon&#038;r=G 3x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=160&#038;d=identicon&#038;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&#8230;</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 -->
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1160
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1162		<li class="comment byuser comment-author-tipswatch bypostauthor even depth-2" id="li-comment-26794">
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1165				<img referrerpolicy="no-referrer" alt='Tipswatch&#039;s avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&#038;d=identicon&#038;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 -->
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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&#039;
1183s avatar' src='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&#038;d=identicon&#038;r=G' srcset='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&#038;d=identicon&#038;r=G 1x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=60&#038;d=identicon&#038;r=G 1.5x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=80&#038;d=identicon&#038;r=G 2x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=120&#038;d=identicon&#038;r=G 3x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=160&#038;d=identicon&#038;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&#8230;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 -->
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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&#039;s avatar' src='https://0.gravatar.com/avatar/6f9ee0b49feb730fd525405461178d5e20dca9725dfc0f18bff630e1ca271e93?s=40&#038;d=identicon&#038;r=G' srcset='https://0.gravatar.com/avatar/6f9ee0b49feb730fd525405461178d5e20dca9725dfc0f18bff630e1ca271e93?s=40&#038;d=identicon&#038;r=G 1x, https://0.gravatar.com/avatar/6f9ee0b49feb730fd525405461178d5e20dca9725dfc0f18bff630e1ca271e93?s=60&#038;d=identicon&#038;r=G 1.5x, https://0.gravatar.com/avatar/6f9ee0b49feb730fd525405461178d5e20dca9725dfc0f18bff630e1ca271e93?s=80&#038;d=identicon&#038;r=G 2x, https://0.gravatar.com/avatar/6f9ee0b49feb730fd525405461178d5e20dca9725dfc0f18bff630e1ca271e93?s=120&#038;d=identicon&#038;r=G 3x, https://0.gravatar.com/avatar/6f9ee0b49feb730fd525405461178d5e20dca9725dfc0f18bff630e1ca271e93?s=160&#038;d=identicon&#038;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&#8217;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&#8217;ve noticed the &#8220;6 month %&#8221; 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 -->
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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&#039;s avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&#038;d=identicon&#038;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 &#8212; 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&#8217;d get a compounded rate of return of about 8.21%. The current rate of U.S. inflation is 8.2%. It won&#8217;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 -->
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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&#039;s avatar' src='https://0.gravatar.com/avatar/6f9ee0b49feb730fd525405461178d5e20dca9725dfc0f18bff630e1ca271e93?s=40&#038;d=identicon&#038;r=G' srcset='https://0.gravatar.com/avatar/6f9ee0b49feb730fd525405461178d5e20dca9725dfc0f18bff630e1ca271e93?s=40&#038;d=identicon&#038;r=G 1x, https://0.gravatar.com/avatar/6f9ee0b49feb730fd525405461178d5e20dca9725dfc0f18bff630e1ca271e93?s=60&#038;d=identicon&#038;r=G 1.5x, https://0.gravatar.com/avatar/6f9ee0b49feb730fd525405461178d5e20dca9725dfc0f18bff630e1ca271e93?s=80&#038;d=identicon&#038;r=G 2x, https://0.gravatar.com/avatar/6f9ee0b49feb730fd525405461178d5e20dca9725dfc0f18bff630e1ca271e93?s=120&#038;d=identicon&#038;r=G 3x, https://0.gravatar.com/avatar/6f9ee0b49feb730fd525405461178d5e20dca9725dfc0f18bff630e1ca271e93?s=160&#038;d=identicon&#038;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&#039;s avatar' src='https://2.gravatar.com/avatar/e79e67f3565b04c142f25ff1e20e3ae0f3259515b729b13777da88d6e2502bcd?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/e79e67f3565b04c142f25ff1e20e3ae0f3259515b729b13777da88d6e2502bcd?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/e79e67f3565b04c142f25ff1e20e3ae0f3259515b729b13777da88d6e2502bcd?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/e79e67f3565b04c142f25ff1e20e3ae0f3259515b729b13777da88d6e2502bcd?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/e79e67f3565b04c142f25ff1e20e3ae0f3259515b729b13777da88d6e2502bcd?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/e79e67f3565b04c142f25ff1e20e3ae0f3259515b729b13777da88d6e2502bcd?s=160&#038;d=identicon&#038;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 &#8230; 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&#8217;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&#039;s avatar' src='https://1.gravatar.com/avatar/d635fdb23fe34e262970e8e54b11525c18d944a6809e25cbfd7863b430ccd20b?s=40&#038;d=identicon&#038;r=G' srcset='https://1.gravatar.com/avatar/d635fdb23fe34e262970e8e54b11525c18d944a6809e25cbfd7863b430ccd20b?s=40&#038;d=identicon&#038;r=G 1x, https://1.gravatar.com/avatar/d635fdb23fe34e262970e8e54b11525c18d944a6809e25cbfd7863b430ccd20b?s=60&#038;d=identicon&#038;r=G 1.5x, https://1.gravatar.com/avatar/d635fdb23fe34e262970e8e54b11525c18d944a6809e25cbfd7863b430ccd20b?s=80&#038;d=identicon&#038;r=G 2x, https://1.gravatar.com/avatar/d635fdb23fe34e262970e8e54b11525c18d944a6809e25cbfd7863b430ccd20b?s=120&#038;d=identicon&#038;r=G 3x, https://1.gravatar.com/avatar/d635fdb23fe34e262970e8e54b11525c18d944a6809e25cbfd7863b430ccd20b?s=160&#038;d=identicon&#038;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>I’m 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-## -->
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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&#039;s avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&#038;d=identicon&#038;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">
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1311
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1315		<li class="comment byuser comment-author-megahugro even thread-odd thread-alt depth-1" id="li-comment-26049">
1316		<div id="comment-26049">
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1318				<img referrerpolicy="no-referrer" alt='mega hugro&#039;s avatar' src='https://1.gravatar.com/avatar/1627b24dc4f0b186144842fa8e81da495ffef7fad25ca652601abfc63b42ddf2?s=40&#038;d=identicon&#038;r=G' srcset='https://1.gravatar.com/avatar/1627b24dc4f0b186144842fa8e81da495ffef7fad25ca652601abfc63b42ddf2?s=40&#038;d=identicon&#038;r=G 1x, https://1.gravatar.com/avatar/1627b24dc4f0b186144842fa8e81da495ffef7fad25ca652601abfc63b42ddf2?s=60&#038;d=identicon&#038;r=G 1.5x, https://1.gravatar.com/avatar/1627b24dc4f0b186144842fa8e81da495ffef7fad25ca652601abfc63b42ddf2?s=80&#038;d=identicon&#038;r=G 2x, https://1.gravatar.com/avatar/1627b24dc4f0b186144842fa8e81da495ffef7fad25ca652601abfc63b42ddf2?s=120&#038;d=identicon&#038;r=G 3x, https://1.gravatar.com/avatar/1627b24dc4f0b186144842fa8e81da495ffef7fad25ca652601abfc63b42ddf2?s=160&#038;d=identicon&#038;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">
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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&#039;s avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&#038;d=identicon&#038;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 -->
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1350
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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&#039;s avatar' src='https://1.gravatar.com/avatar/d2d872a23efb85c3990705987abdc1dc0f9946ad7b0504fd6b1d1ec4ea2d0ae8?s=40&#038;d=identicon&#038;r=G' srcset='https://1.gravatar.com/avatar/d2d872a23efb85c3990705987abdc1dc0f9946ad7b0504fd6b1d1ec4ea2d0ae8?s=40&#038;d=identicon&#038;r=G 1x, https://1.gravatar.com/avatar/d2d872a23efb85c3990705987abdc1dc0f9946ad7b0504fd6b1d1ec4ea2d0ae8?s=60&#038;d=identicon&#038;r=G 1.5x, https://1.gravatar.com/avatar/d2d872a23efb85c3990705987abdc1dc0f9946ad7b0504fd6b1d1ec4ea2d0ae8?s=80&#038;d=identicon&#038;r=G 2x, https://1.gravatar.com/avatar/d2d872a23efb85c3990705987abdc1dc0f9946ad7b0504fd6b1d1ec4ea2d0ae8?s=120&#038;d=identicon&#038;r=G 3x, https://1.gravatar.com/avatar/d2d872a23efb85c3990705987abdc1dc0f9946ad7b0504fd6b1d1ec4ea2d0ae8?s=160&#038;d=identicon&#038;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&#8217;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&#8217;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&#039;s avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&#038;d=identicon&#038;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&amp;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&#039;s avatar' src='https://1.gravatar.com/avatar/d2d872a23efb85c3990705987abdc1dc0f9946ad7b0504fd6b1d1ec4ea2d0ae8?s=40&#038;d=identicon&#038;r=G' srcset='https://1.gravatar.com/avatar/d2d872a23efb85c3990705987abdc1dc0f9946ad7b0504fd6b1d1ec4ea2d0ae8?s=40&#038;d=identicon&#038;r=G 1x, https://1.gravatar.com/avatar/d2d872a23efb85c3990705987abdc1dc0f9946ad7b0504fd6b1d1ec4ea2d0ae8?s=60&#038;d=identicon&#038;r=G 1.5x, https://1.gravatar.com/avatar/d2d872a23efb85c3990705987abdc1dc0f9946ad7b0504fd6b1d1ec4ea2d0ae8?s=80&#038;d=identicon&#038;r=G 2x, https://1.gravatar.com/avatar/d2d872a23efb85c3990705987abdc1dc0f9946ad7b0504fd6b1d1ec4ea2d0ae8?s=120&#038;d=identicon&#038;r=G 3x, https://1.gravatar.com/avatar/d2d872a23efb85c3990705987abdc1dc0f9946ad7b0504fd6b1d1ec4ea2d0ae8?s=160&#038;d=identicon&#038;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&#039;s avatar' src='https://1.gravatar.com/avatar/d9a2a1c38ef528f952973fe31daf4c9ae4bd563bf793cfd43e141225685edd5f?s=40&#038;d=identicon&#038;r=G' srcset='https://1.gravatar.com/avatar/d9a2a1c38ef528f952973fe31daf4c9ae4bd563bf793cfd43e141225685edd5f?s=40&#038;d=identicon&#038;r=G 1x, https://1.gravatar.com/avatar/d9a2a1c38ef528f952973fe31daf4c9ae4bd563bf793cfd43e141225685edd5f?s=60&#038;d=identicon&#038;r=G 1.5x, https://1.gravatar.com/avatar/d9a2a1c38ef528f952973fe31daf4c9ae4bd563bf793cfd43e141225685edd5f?s=80&#038;d=identicon&#038;r=G 2x, https://1.gravatar.com/avatar/d9a2a1c38ef528f952973fe31daf4c9ae4bd563bf793cfd43e141225685edd5f?s=120&#038;d=identicon&#038;r=G 3x, https://1.gravatar.com/avatar/d9a2a1c38ef528f952973fe31daf4c9ae4bd563bf793cfd43e141225685edd5f?s=160&#038;d=identicon&#038;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 &#8211; Congratulations on your April 2022 purchase. 100% agreement with the annualized returns and &#8220;excellent move&#8221; 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&#039;s avatar' src='https://2.gravatar.com/avatar/b06c7131d5609c48863a38741e6a2da77fff385dedf718efbdb012c97b67d7fe?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/b06c7131d5609c48863a38741e6a2da77fff385dedf718efbdb012c97b67d7fe?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/b06c7131d5609c48863a38741e6a2da77fff385dedf718efbdb012c97b67d7fe?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/b06c7131d5609c48863a38741e6a2da77fff385dedf718efbdb012c97b67d7fe?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/b06c7131d5609c48863a38741e6a2da77fff385dedf718efbdb012c97b67d7fe?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/b06c7131d5609c48863a38741e6a2da77fff385dedf718efbdb012c97b67d7fe?s=160&#038;d=identicon&#038;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 &#8220;earn 7.12% for six months&#8221;.  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&#039;s avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&#038;d=identicon&#038;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 “annualized.” It gets repetitive. But, if you insist…</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.&#039;s avatar' src='https://1.gravatar.com/avatar/4cbc1a8dcfb4a1933162af8f5715e50b83767f6fece774a54233d29f22ae8c2d?s=40&#038;d=identicon&#038;r=G' srcset='https://1.gravatar.com/avatar/4cbc1a8dcfb4a1933162af8f5715e50b83767f6fece774a54233d29f22ae8c2d?s=40&#038;d=identicon&#038;r=G 1x, https://1.gravatar.com/avatar/4cbc1a8dcfb4a1933162af8f5715e50b83767f6fece774a54233d29f22ae8c2d?s=60&#038;d=identicon&#038;r=G 1.5x, https://1.gravatar.com/avatar/4cbc1a8dcfb4a1933162af8f5715e50b83767f6fece774a54233d29f22ae8c2d?s=80&#038;d=identicon&#038;r=G 2x, https://1.gravatar.com/avatar/4cbc1a8dcfb4a1933162af8f5715e50b83767f6fece774a54233d29f22ae8c2d?s=120&#038;d=identicon&#038;r=G 3x, https://1.gravatar.com/avatar/4cbc1a8dcfb4a1933162af8f5715e50b83767f6fece774a54233d29f22ae8c2d?s=160&#038;d=identicon&#038;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 “applicable year” 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&#8217;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">
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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&#039;s avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&#038;d=identicon&#038;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.&#039;s avatar' src='https://0.gravatar.com/avatar/3c77168dde84296ee53354813d7a4d31f2fd32a4a9843ef614276686ef9da278?s=40&#038;d=identicon&#038;r=G' srcset='https://0.gravatar.com/avatar/3c77168dde84296ee53354813d7a4d31f2fd32a4a9843ef614276686ef9da278?s=40&#038;d=identicon&#038;r=G 1x, https://0.gravatar.com/avatar/3c77168dde84296ee53354813d7a4d31f2fd32a4a9843ef614276686ef9da278?s=60&#038;d=identicon&#038;r=G 1.5x, https://0.gravatar.com/avatar/3c77168dde84296ee53354813d7a4d31f2fd32a4a9843ef614276686ef9da278?s=80&#038;d=identicon&#038;r=G 2x, https://0.gravatar.com/avatar/3c77168dde84296ee53354813d7a4d31f2fd32a4a9843ef614276686ef9da278?s=120&#038;d=identicon&#038;r=G 3x, https://0.gravatar.com/avatar/3c77168dde84296ee53354813d7a4d31f2fd32a4a9843ef614276686ef9da278?s=160&#038;d=identicon&#038;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&#039;s avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&#038;d=identicon&#038;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&#039;s avatar' src='https://1.gravatar.com/avatar/4b2f03e20fbefde91e55bfaa249efb56570143ccefcd032aa2832781fc96e48f?s=40&#038;d=identicon&#038;r=G' srcset='https://1.gravatar.com/avatar/4b2f03e20fbefde91e55bfaa249efb56570143ccefcd032aa2832781fc96e48f?s=40&#038;d=identicon&#038;r=G 1x, https://1.gravatar.com/avatar/4b2f03e20fbefde91e55bfaa249efb56570143ccefcd032aa2832781fc96e48f?s=60&#038;d=identicon&#038;r=G 1.5x, https://1.gravatar.com/avatar/4b2f03e20fbefde91e55bfaa249efb56570143ccefcd032aa2832781fc96e48f?s=80&#038;d=identicon&#038;r=G 2x, https://1.gravatar.com/avatar/4b2f03e20fbefde91e55bfaa249efb56570143ccefcd032aa2832781fc96e48f?s=120&#038;d=identicon&#038;r=G 3x, https://1.gravatar.com/avatar/4b2f03e20fbefde91e55bfaa249efb56570143ccefcd032aa2832781fc96e48f?s=160&#038;d=identicon&#038;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&#8217;re worth $1000!  You only paid me $900!  Once 60 months hit I’m sure there would be a nice &#8220;bonus&#8221; 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&#039;
1566s avatar' src='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&#038;d=identicon&#038;r=G' srcset='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&#038;d=identicon&#038;r=G 1x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=60&#038;d=identicon&#038;r=G 1.5x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=80&#038;d=identicon&#038;r=G 2x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=120&#038;d=identicon&#038;r=G 3x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=160&#038;d=identicon&#038;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&#8230;</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&#8230;</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&#039;s avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&#038;d=identicon&#038;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&#8217;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&#039;s avatar' src='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&#038;d=identicon&#038;
1604r=G' srcset='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&#038;d=identicon&#038;r=G 1x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=60&#038;d=identicon&#038;r=G 1.5x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=80&#038;d=identicon&#038;r=G 2x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=120&#038;d=identicon&#038;r=G 3x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=160&#038;d=identicon&#038;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 lump…</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&#039;s avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&#038;d=identicon&#038;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 doesn’t 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&#039;s avatar' src='https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=160&#038;d=identicon&#038;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 &#8220;TIPS, I Bonds Are Smart Ways to Buy Inflation Protection&#8221;, the author Andrew Bary writes in regard to iBonds: &#8220;Scherer says investors can skirt the $10,000 limit by also investing through trusts and small businesses that are sole proprietorships.&#8221; This was news to me &#8212; I&#8217;ll do some web searching of my own but thought I&#8217;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 -->
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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&#039;s avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&#038;d=identicon&#038;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">
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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&#039;
1685s avatar' src='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&#038;d=identicon&#038;r=G' srcset='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&#038;d=identicon&#038;r=G 1x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=60&#038;d=identicon&#038;r=G 1.5x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=80&#038;d=identicon&#038;r=G 2x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=120&#038;d=identicon&#038;r=G 3x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=160&#038;d=identicon&#038;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&#8217;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 -->
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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&#039;s avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&#038;d=identicon&#038;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&#8217;s possible this won&#8217;t get caught, but from anecdotes I have heard, TreasuryDirect may discover the error and send the gift back to your wife&#8217;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&#8217;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 -->
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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&#039;
1728s avatar' src='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&#038;d=identicon&#038;r=G' srcset='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&#038;d=identicon&#038;r=G 1x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=60&#038;d=identicon&#038;r=G 1.5x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=80&#038;d=identicon&#038;r=G 2x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=120&#038;d=identicon&#038;r=G 3x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=160&#038;d=identicon&#038;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&#8230;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&#8217;t forget the gift has been returned to her gift box&#8230;LOL. Even if we forget, it probably does not matter much&#8230;</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&#039;s avatar' src='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&#038;d=identicon&#038;r=G' srcset='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&#038;d=identicon&#038;r=G 1x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=60&#038;d=identicon&#038;r=G 1.5x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=80&#038;d=identicon&#038;r=G 2x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=120&#038;d=identicon&#038;r=G 3x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=160&#038;d=identicon&#038;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&#8230;or something like that. Of course, they did not reference what they were talking about&#8230;</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&#8230;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&#039;
1767s avatar' src='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&#038;d=identicon&#038;r=G' srcset='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&#038;d=identicon&#038;r=G 1x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=60&#038;d=identicon&#038;r=G 1.5x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=80&#038;d=identicon&#038;r=G 2x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=120&#038;d=identicon&#038;r=G 3x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=160&#038;d=identicon&#038;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&#8217;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&#8230;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&#039;s avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&#038;d=identicon&#038;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
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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&#039;
1806s avatar' src='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&#038;d=identicon&#038;r=G' srcset='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&#038;d=identicon&#038;r=G 1x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=60&#038;d=identicon&#038;r=G 1.5x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=80&#038;d=identicon&#038;r=G 2x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=120&#038;d=identicon&#038;r=G 3x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=160&#038;d=identicon&#038;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&#8230;</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&#039;s avatar' src='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&#038;d=identicon&#038;r=G' srcset='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&#038;d=identicon&#038;r=G 1x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=60&#038;d=identicon&#038;r=G 1.5x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=80&#038;d=identicon&#038;r=G 2x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=120&#038;d=identicon&#038;r=G 3x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=160&#038;d=identicon&#038;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&#8217;s gift box:</p>
1832<p>&#8220;That won&#8217;t work.Purchase limits don&#8217;t look at when a bond is delivered, the limits look at when the bond was purchased.  That&#8217;s why it&#8217;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 don’t 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.&#8221;</p>
1837<p>Can only hope now that this is so unusual, that they may actually put the I bonds back into the wife&#8217;s gift box&#8230; 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&#8217;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&#039;s avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&#038;d=identicon&#038;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&#8217;s gift box, right? But you won&#8217;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&#039;
1867s avatar' src='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&#038;d=identicon&#038;r=G' srcset='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&#038;d=identicon&#038;r=G 1x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=60&#038;d=identicon&#038;r=G 1.5x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=80&#038;d=identicon&#038;r=G 2x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=120&#038;d=identicon&#038;r=G 3x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=160&#038;d=identicon&#038;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>Don’t have a lot of excess cash, but planning on purchasing $500 or more per month until the refund appears (in the wife’s 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 wife’s 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% &amp; 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&#039;s avatar' src='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&#038;d=identicon&#038;r=G' srcset='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&#038;d=identicon&#038;r=G 1x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=60&#038;d=identicon&#038;r=G 1.5x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=80&#038;d=identicon&#038;r=G 2x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=120&#038;d=identicon&#038;r=G 3x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=160&#038;d=identicon&#038;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 -->
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1902
1903				</li><!-- #comment-## -->
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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&#039;s avatar' src='https://1.gravatar.com/avatar/4b2f03e20fbefde91e55bfaa249efb56570143ccefcd032aa2832781fc96e48f?s=40&#038;d=identicon&#038;r=G' srcset='https://1.gravatar.com/avatar/4b2f03e20fbefde91e55bfaa249efb56570143ccefcd032aa2832781fc96e48f?s=40&#038;d=identicon&#038;r=G 1x, https://1.gravatar.com/avatar/4b2f03e20fbefde91e55bfaa249efb56570143ccefcd032aa2832781fc96e48f?s=60&#038;d=identicon&#038;r=G 1.5x, https://1.gravatar.com/avatar/4b2f03e20fbefde91e55bfaa249efb56570143ccefcd032aa2832781fc96e48f?s=80&#038;d=identicon&#038;r=G 2x, https://1.gravatar.com/avatar/4b2f03e20fbefde91e55bfaa249efb56570143ccefcd032aa2832781fc96e48f?s=120&#038;d=identicon&#038;r=G 3x, https://1.gravatar.com/avatar/4b2f03e20fbefde91e55bfaa249efb56570143ccefcd032aa2832781fc96e48f?s=160&#038;d=identicon&#038;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&#8217;ve been hearing nothing but, &#8220;Inflation has peaked!&#8221; 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&#8217;s not going to accelerate as fast, but 8% (or whatever it will &#8220;go down&#8221; to, assuming it does actually go down) is still 8%. If it stays at 8.5% and doesn&#8217;t go up, then they&#8217;ll be throwing a party (hey, it didn&#8217;t go up!), but it&#8217;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&#8217;s $50. Well the next day it recovered and increased 50%.  But wait a minute, if it decreased 50% and then increased 50%, shouldn&#8217;t it be back to the original $100?? Why is it only $75 now?!? Yes, I understand, but how many other people don&#8217;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 &#8220;try to&#8221;
1922 because it&#8217;s hard to fool people&#8217;s wallets. You mean I have to pay $25 for a #1 combo at McDonald&#8217;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 -->
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1929
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1932		<div id="comment-22774">
1933			<div class="comment-author vcard">
1934				<img referrerpolicy="no-referrer" alt='Tipswatch&#039;s avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&#038;d=identicon&#038;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 &#8220;think&#8221; 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 -->
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1947
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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&#039;s avatar' src='https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=40&#038;d=identicon&#038;r=G' srcset='https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=40&#038;d=identicon&#038;r=G 1x, https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=60&#038;d=identicon&#038;r=G 1.5x, https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=80&#038;d=identicon&#038;r=G 2x, https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=120&#038;d=identicon&#038;r=G 3x, https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=160&#038;d=identicon&#038;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 -->
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1965
1966				</li><!-- #comment-## -->
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1970		<div id="comment-22442">
1971			<div class="comment-author vcard">
1972				<img referrerpolicy="no-referrer" alt='Steve&#039;s avatar' src='https://0.gravatar.com/avatar/c1efd73aac9a67c5c040e2d08e59791e596a3968a36b2261427ccfa173f37b7d?s=40&#038;d=identicon&#038;r=G' srcset='https://0.gravatar.com/avatar/c1efd73aac9a67c5c040e2d08e59791e596a3968a36b2261427ccfa173f37b7d?s=40&#038;d=identicon&#038;r=G 1x, https://0.gravatar.com/avatar/c1efd73aac9a67c5c040e2d08e59791e596a3968a36b2261427ccfa173f37b7d?s=60&#038;d=identicon&#038;r=G 1.5x, https://0.gravatar.com/avatar/c1efd73aac9a67c5c040e2d08e59791e596a3968a36b2261427ccfa173f37b7d?s=80&#038;d=identicon&#038;r=G 2x, https://0.gravatar.com/avatar/c1efd73aac9a67c5c040e2d08e59791e596a3968a36b2261427ccfa173f37b7d?s=120&#038;d=identicon&#038;r=G 3x, https://0.gravatar.com/avatar/c1efd73aac9a67c5c040e2d08e59791e596a3968a36b2261427ccfa173f37b7d?s=160&#038;d=identicon&#038;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&#039;s avatar' src='https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=40&#038;d=identicon&#038;r=G' srcset='https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=40&#038;d=identicon&#038;r=G 1x, https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=60&#038;d=identicon&#038;r=G 1.5x, https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=80&#038;d=identicon&#038;r=G 2x, https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=120&#038;d=identicon&#038;r=G 3x, https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=160&#038;d=identicon&#038;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&#8217;ll comment on why all bond funds should be avoided. Until then most of Larry Swedroe&#8217;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&#039;s avatar' src='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&#038;d=identicon&#038;r=G' srcset='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&#038;d=identicon&#038;r=G 1x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=60&#038;d=identicon&#038;r=G 1.5x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=80&#038;d=identicon&#038;r=G 2x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=120&#038;d=identicon&#038;r=G 3x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=160&#038;d=identicon&#038;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&#8217;t think i Bonds can be considered the same as conventional bonds. But I do not know. Please educate me&#8230;</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&#039;s avatar' src='https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=40&#038;d=identicon&#038;r=G' srcset='https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=40&#038;d=identicon&#038;r=G 1x, https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=60&#038;d=identicon&#038;r=G 1.5x, https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=80&#038;d=identicon&#038;r=G 2x, https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=120&#038;d=identicon&#038;r=G 3x, https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=160&#038;d=identicon&#038;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&#8217;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 &#8216;put&#8217; them to the issuer without penalty after 5 years. But I can&#8217;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&#039;s avatar' src='https://2.gravatar.com/avatar/eb9a18e8fb23b2ad70e6058bbca7b9d238827465dba2b5a42e2113c293b0c71c?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/eb9a18e8fb23b2ad70e6058bbca7b9d238827465dba2b5a42e2113c293b0c71c?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/eb9a18e8fb23b2ad70e6058bbca7b9d238827465dba2b5a42e2113c293b0c71c?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/eb9a18e8fb23b2ad70e6058bbca7b9d238827465dba2b5a42e2113c293b0c71c?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/eb9a18e8fb23b2ad70e6058bbca7b9d238827465dba2b5a42e2113c293b0c71c?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/eb9a18e8fb23b2ad70e6058bbca7b9d238827465dba2b5a42e2113c293b0c71c?s=160&#038;d=identicon&#038;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&#8230;</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&#039;s avatar' src='https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=40&#038;d=identicon&#038;r=G' srcset='https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=40&#038;d=identicon&#038;r=G 1x, https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=60&#038;d=identicon&#038;r=G 1.5x, https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=80&#038;d=identicon&#038;r=G 2x, https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=120&#038;d=identicon&#038;r=G 3x, https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=160&#038;d=identicon&#038;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, &#8221; In the past&#8230;&#8221; Something you don&#8217;t hear from the Wall Street hucksters. </p>
2080<p>So I bonds at 3.5 % were a &#8216;gift&#8217; we may never see again. But, at the moment, I can&#8217;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&#039;s avatar' src='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&#038;d=identicon&#038;r=G' srcset='https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=40&#038;d=identicon&#038;r=G 1x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=60&#038;d=identicon&#038;r=G 1.5x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=80&#038;d=identicon&#038;r=G 2x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=120&#038;d=identicon&#038;r=G 3x, https://1.gravatar.com/avatar/def54e44e6dc68adfa8eb54a7891d50655c9ea6320f727bf53711ae4bbe22573?s=160&#038;d=identicon&#038;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 &#8220;Funds&#8221; as part of the equation in what you stated&#8230;.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&#039;s avatar' src='https://2.gravatar.com/avatar/8429dfe5ea1ad3493719d71d82406b0295124ea85b2d913cee02cae1d09dde51?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/8429dfe5ea1ad3493719d71d82406b0295124ea85b2d913cee02cae1d09dde51?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/8429dfe5ea1ad3493719d71d82406b0295124ea85b2d913cee02cae1d09dde51?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/8429dfe5ea1ad3493719d71d82406b0295124ea85b2d913cee02cae1d09dde51?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/8429dfe5ea1ad3493719d71d82406b0295124ea85b2d913cee02cae1d09dde51?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/8429dfe5ea1ad3493719d71d82406b0295124ea85b2d913cee02cae1d09dde51?s=160&#038;d=identicon&#038;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&#039;s avatar' src='https://1.gravatar.com/avatar/105e4837be39e65f44498f4f2e41c9e29e0193dfb70d695daaacda05a3060fd6?s=40&#038;d=identicon&#038;r=G' srcset='https://1.gravatar.com/avatar/105e4837be39e65f44498f4f2e41c9e29e0193dfb70d695daaacda05a3060fd6?s=40&#038;d=identicon&#038;r=G 1x, https://1.gravatar.com/avatar/105e4837be39e65f44498f4f2e41c9e29e0193dfb70d695daaacda05a3060fd6?s=60&#038;d=identicon&#038;r=G 1.5x, https://1.gravatar.com/avatar/105e4837be39e65f44498f4f2e41c9e29e0193dfb70d695daaacda05a3060fd6?s=80&#038;d=identicon&#038;r=G 2x, https://1.gravatar.com/avatar/105e4837be39e65f44498f4f2e41c9e29e0193dfb70d695daaacda05a3060fd6?s=120&#038;d=identicon&#038;r=G 3x, https://1.gravatar.com/avatar/105e4837be39e65f44498f4f2e41c9e29e0193dfb70d695daaacda05a3060fd6?s=160&#038;d=identicon&#038;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&#8217;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&#039;s avatar' src='https://2.gravatar.com/avatar/eb9a18e8fb23b2ad70e6058bbca7b9d238827465dba2b5a42e2113c293b0c71c?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/eb9a18e8fb23b2ad70e6058bbca7b9d238827465dba2b5a42e2113c293b0c71c?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/eb9a18e8fb23b2ad70e6058bbca7b9d238827465dba2b5a42e2113c293b0c71c?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/eb9a18e8fb23b2ad70e6058bbca7b9d238827465dba2b5a42e2113c293b0c71c?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/eb9a18e8fb23b2ad70e6058bbca7b9d238827465dba2b5a42e2113c293b0c71c?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/eb9a18e8fb23b2ad70e6058bbca7b9d238827465dba2b5a42e2113c293b0c71c?s=160&#038;d=identicon&#038;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 -->
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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&#039;s avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&#038;d=identicon&#038;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&#8217;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">
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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&#039;s avatar' src='https://1.gravatar.com/avatar/747a952626a49fc53e4e933b9ec579576b46b825d8ebdd87b5dacdfa602432f1?s=40&#038;d=identicon&#038;r=G' srcset='https://1.gravatar.com/avatar/747a952626a49fc53e4e933b9ec579576b46b825d8ebdd87b5dacdfa602432f1?s=40&#038;d=identicon&#038;r=G 1x, https://1.gravatar.com/avatar/747a952626a49fc53e4e933b9ec579576b46b825d8ebdd87b5dacdfa602432f1?s=60&#038;d=identicon&#038;r=G 1.5x, https://1.gravatar.com/avatar/747a952626a49fc53e4e933b9ec579576b46b825d8ebdd87b5dacdfa602432f1?s=80&#038;d=identicon&#038;r=G 2x, https://1.gravatar.com/avatar/747a952626a49fc53e4e933b9ec579576b46b825d8ebdd87b5dacdfa602432f1?s=120&#038;d=identicon&#038;r=G 3x, https://1.gravatar.com/avatar/747a952626a49fc53e4e933b9ec579576b46b825d8ebdd87b5dacdfa602432f1?s=160&#038;d=identicon&#038;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&#8230;</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&#8230;</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&#039;s avatar' src='https://1.gravatar.com/avatar/4b2f03e20fbefde91e55bfaa249efb56570143ccefcd032aa2832781fc96e48f?s=40&#038;d=identicon&#038;r=G' srcset='https://1.gravatar.com/avatar/4b2f03e20fbefde91e55bfaa249efb56570143ccefcd032aa2832781fc96e48f?s=40&#038;d=identicon&#038;r=G 1x, https://1.gravatar.com/avatar/4b2f03e20fbefde91e55bfaa249efb56570143ccefcd032aa2832781fc96e48f?s=60&#038;d=identicon&#038;r=G 1.5x, https://1.gravatar.com/avatar/4b2f03e20fbefde91e55bfaa249efb56570143ccefcd032aa2832781fc96e48f?s=80&#038;d=identicon&#038;r=G 2x, https://1.gravatar.com/avatar/4b2f03e20fbefde91e55bfaa249efb56570143ccefcd032aa2832781fc96e48f?s=120&#038;d=identicon&#038;r=G 3x, https://1.gravatar.com/avatar/4b2f03e20fbefde91e55bfaa249efb56570143ccefcd032aa2832781fc96e48f?s=160&#038;d=identicon&#038;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 &#8220;kept low.&#8221;  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&#8217;s even more watery.  Sure, now you have &#8220;more soda,&#8221; but the ratio is so watered down that you can (non-sarcastically ) ask the question, &#8220;Would you like some soda with your water?&#8221;</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&#8217;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&#8217;t help believe that there wasn&#8217;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&#8217;
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 -->
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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&#039;s avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&#038;d=identicon&#038;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 &#8220;this time&#8221; (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 &#8220;inflation psychology&#8221; 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 -->
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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&#039;s avatar' src='https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=40&#038;d=identicon&#038;r=G' srcset='https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=40&#038;d=identicon&#038;r=G 1x, https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=60&#038;d=identicon&#038;r=G 1.5x, https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=80&#038;d=identicon&#038;r=G 2x, https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=120&#038;d=identicon&#038;r=G 3x, https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=160&#038;d=identicon&#038;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 &#8221; hedonic quality adjustment&#8221;. If my new computer is &#8216;better&#8217; 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 -->
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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&#039;s avatar' src='https://1.gravatar.com/avatar/1c50b2ab29022217c2e3fe0f1adf2287d83f7cf6ae00308b997d5a1579fb2c85?s=40&#038;d=identicon&#038;r=G' srcset='https://1.gravatar.com/avatar/1c50b2ab29022217c2e3fe0f1adf2287d83f7cf6ae00308b997d5a1579fb2c85?s=40&#038;d=identicon&#038;r=G 1x, https://1.gravatar.com/avatar/1c50b2ab29022217c2e3fe0f1adf2287d83f7cf6ae00308b997d5a1579fb2c85?s=60&#038;d=identicon&#038;r=G 1.5x, https://1.gravatar.com/avatar/1c50b2ab29022217c2e3fe0f1adf2287d83f7cf6ae00308b997d5a1579fb2c85?s=80&#038;d=identicon&#038;r=G 2x, https://1.gravatar.com/avatar/1c50b2ab29022217c2e3fe0f1adf2287d83f7cf6ae00308b997d5a1579fb2c85?s=120&#038;d=identicon&#038;r=G 3x, https://1.gravatar.com/avatar/1c50b2ab29022217c2e3fe0f1adf2287d83f7cf6ae00308b997d5a1579fb2c85?s=160&#038;d=identicon&#038;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&#8217;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&#8217;t even developed yet back then).</p>
2280</div>
2281
2282			<div class="reply">
2283							</div><!-- .reply -->
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2285
2286				</li><!-- #comment-## -->
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2288		<div id="comment-22446">
2289			<div class="comment-author vcard">
2290				<img referrerpolicy="no-referrer" alt='Len&#039;s avatar' src='https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=40&#038;d=identicon&#038;r=G' srcset='https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=40&#038;d=identicon&#038;r=G 1x, https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=60&#038;d=identicon&#038;r=G 1.5x, https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=80&#038;d=identicon&#038;r=G 2x, https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=120&#038;d=identicon&#038;r=G 3x, https://0.gravatar.com/avatar/f16b04da8d7d1a9789ac87bba9b4a11b28ce1efd8ab8777bb4781f89edb4b314?s=160&#038;d=identicon&#038;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&#039;s avatar' src='https://2.gravatar.com/avatar/b1403dac80b82865e61aa359ff859d9f4df75dd9c70a997c1cb7196f3d0fe7fa?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/b1403dac80b82865e61aa359ff859d9f4df75dd9c70a997c1cb7196f3d0fe7fa?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/b1403dac80b82865e61aa359ff859d9f4df75dd9c70a997c1cb7196f3d0fe7fa?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/b1403dac80b82865e61aa359ff859d9f4df75dd9c70a997c1cb7196f3d0fe7fa?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/b1403dac80b82865e61aa359ff859d9f4df75dd9c70a997c1cb7196f3d0fe7fa?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/b1403dac80b82865e61aa359ff859d9f4df75dd9c70a997c1cb7196f3d0fe7fa?s=160&#038;d=identicon&#038;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&#039;s avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&#038;d=identicon&#038;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: &#8220;I bonds increase in value on the first day of each month, and interest is compounded semiannually based on each I bond&#8217;s issue date.&#8221; 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&#039;s avatar' src='https://1.gravatar.com/avatar/d9a2a1c38ef528f952973fe31daf4c9ae4bd563bf793cfd43e141225685edd5f?s=40&#038;d=identicon&#038;r=G' srcset='https://1.gravatar.com/avatar/d9a2a1c38ef528f952973fe31daf4c9ae4bd563bf793cfd43e141225685edd5f?s=40&#038;d=identicon&#038;r=G 1x, https://1.gravatar.com/avatar/d9a2a1c38ef528f952973fe31daf4c9ae4bd563bf793cfd43e141225685edd5f?s=60&#038;d=identicon&#038;r=G 1.5x, https://1.gravatar.com/avatar/d9a2a1c38ef528f952973fe31daf4c9ae4bd563bf793cfd43e141225685edd5f?s=80&#038;d=identicon&#038;r=G 2x, https://1.gravatar.com/avatar/d9a2a1c38ef528f952973fe31daf4c9ae4bd563bf793cfd43e141225685edd5f?s=120&#038;d=identicon&#038;r=G 3x, https://1.gravatar.com/avatar/d9a2a1c38ef528f952973fe31daf4c9ae4bd563bf793cfd43e141225685edd5f?s=160&#038;d=identicon&#038;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 &#8221; I would think the three-month penalty does not have any effect on compounding.&#8221; </p>
2359<p>There is no &#8220;compounding penalty&#8221; 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&#039;s avatar' src='https://0.gravatar.com/avatar/fd5b9580a4ec5c5cf85bcd1fb9f0ceaab8939ca17e42678687f38db3943209e1?s=40&#038;d=identicon&#038;r=G' srcset='https://0.gravatar.com/avatar/fd5b9580a4ec5c5cf85bcd1fb9f0ceaab8939ca17e42678687f38db3943209e1?s=40&#038;d=identicon&#038;r=G 1x, https://0.gravatar.com/avatar/fd5b9580a4ec5c5cf85bcd1fb9f0ceaab8939ca17e42678687f38db3943209e1?s=60&#038;d=identicon&#038;r=G 1.5x, https://0.gravatar.com/avatar/fd5b9580a4ec5c5cf85bcd1fb9f0ceaab8939ca17e42678687f38db3943209e1?s=80&#038;d=identicon&#038;r=G 2x, https://0.gravatar.com/avatar/fd5b9580a4ec5c5cf85bcd1fb9f0ceaab8939ca17e42678687f38db3943209e1?s=120&#038;d=identicon&#038;r=G 3x, https://0.gravatar.com/avatar/fd5b9580a4ec5c5cf85bcd1fb9f0ceaab8939ca17e42678687f38db3943209e1?s=160&#038;d=identicon&#038;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&#039;s avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&#038;d=identicon&#038;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: &#8221; 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.&#8221;</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 -->
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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&#039;s avatar' src='https://1.gravatar.com/avatar/a26bacb3b72113d95986803026223c28411488d8a5193b446f28934978d73116?s=40&#038;d=identicon&#038;r=G' srcset='https://1.gravatar.com/avatar/a26bacb3b72113d95986803026223c28411488d8a5193b446f28934978d73116?s=40&#038;d=identicon&#038;r=G 1x, https://1.gravatar.com/avatar/a26bacb3b72113d95986803026223c28411488d8a5193b446f28934978d73116?s=60&#038;d=identicon&#038;r=G 1.5x, https://1.gravatar.com/avatar/a26bacb3b72113d95986803026223c28411488d8a5193b446f28934978d73116?s=80&#038;d=identicon&#038;r=G 2x, https://1.gravatar.com/avatar/a26bacb3b72113d95986803026223c28411488d8a5193b446f28934978d73116?s=120&#038;d=identicon&#038;r=G 3x, https://1.gravatar.com/avatar/a26bacb3b72113d95986803026223c28411488d8a5193b446f28934978d73116?s=160&#038;d=identicon&#038;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&#8217;ll get three months&#8217; 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.&#039;s avatar' src='https://1.gravatar.com/avatar/7e165a06d240d415ec326acb8d341de936c14000237a97b050f2fe0307f41753?s=40&#038;d=identicon&#038;r=G' srcset='https://1.gravatar.com/avatar/7e165a06d240d415ec326acb8d341de936c14000237a97b050f2fe0307f41753?s=40&#038;d=identicon&#038;r=G 1x, https://1.gravatar.com/avatar/7e165a06d240d415ec326acb8d341de936c14000237a97b050f2fe0307f41753?s=60&#038;d=identicon&#038;r=G 1.5x, https://1.gravatar.com/avatar/7e165a06d240d415ec326acb8d341de936c14000237a97b050f2fe0307f41753?s=80&#038;d=identicon&#038;r=G 2x, https://1.gravatar.com/avatar/7e165a06d240d415ec326acb8d341de936c14000237a97b050f2fe0307f41753?s=120&#038;d=identicon&#038;r=G 3x, https://1.gravatar.com/avatar/7e165a06d240d415ec326acb8d341de936c14000237a97b050f2fe0307f41753?s=160&#038;d=identicon&#038;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 — I am new to inflation-protected securities, and I’ve really enjoyed your content as I’ve 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 — 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% — 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 don’t understand if I wanted to divest of the I-bonds on my children’s behalf?</p>
2444<p>Obviously, you don’t 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 you’ve written a post here I haven’t 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 -->
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2452
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2455		<div id="comment-21468">
2456			<div class="comment-author vcard">
2457				<img referrerpolicy="no-referrer" alt='Tipswatch&#039;s avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&#038;d=identicon&#038;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&#8217;t used the &#8220;gift box&#8221; 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&#8217;t be too concerned about the 0.0% fixed rate, but yes, that rate could increase in the future. You could ladder the purchases &#8212; buying some each year for several years &#8212; 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) &#8211; 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&#039;s avatar' src='https://2.gravatar.com/avatar/e20f2bd0702a61b86d4515a8bf6846a759d67070443139d8ae079e84c1b5d516?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/e20f2bd0702a61b86d4515a8bf6846a759d67070443139d8ae079e84c1b5d516?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/e20f2bd0702a61b86d4515a8bf6846a759d67070443139d8ae079e84c1b5d516?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/e20f2bd0702a61b86d4515a8bf6846a759d67070443139d8ae079e84c1b5d516?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/e20f2bd0702a61b86d4515a8bf6846a759d67070443139d8ae079e84c1b5d516?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/e20f2bd0702a61b86d4515a8bf6846a759d67070443139d8ae079e84c1b5d516?s=160&#038;d=identicon&#038;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&#039;s avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&#038;d=identicon&#038;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&#8217;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&#8217;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&#039;s avatar' src='https://0.gravatar.com/avatar/3f60c19d98f2111a11cd1f2c78e36d4641d272cdf03fce55762389fcbfa344d1?s=40&#038;d=identicon&#038;r=G' srcset='https://0.gravatar.com/avatar/3f60c19d98f2111a11cd1f2c78e36d4641d272cdf03fce55762389fcbfa344d1?s=40&#038;d=identicon&#038;r=G 1x, https://0.gravatar.com/avatar/3f60c19d98f2111a11cd1f2c78e36d4641d272cdf03fce55762389fcbfa344d1?s=60&#038;d=identicon&#038;r=G 1.5x, https://0.gravatar.com/avatar/3f60c19d98f2111a11cd1f2c78e36d4641d272cdf03fce55762389fcbfa344d1?s=80&#038;d=identicon&#038;r=G 2x, https://0.gravatar.com/avatar/3f60c19d98f2111a11cd1f2c78e36d4641d272cdf03fce55762389fcbfa344d1?s=120&#038;d=identicon&#038;r=G 3x, https://0.gravatar.com/avatar/3f60c19d98f2111a11cd1f2c78e36d4641d272cdf03fce55762389fcbfa344d1?s=160&#038;d=identicon&#038;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 “long term” 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&#039;s avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&#038;d=identicon&#038;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 &#8212; doubling the investment&#8217;s value in 20 years &#8212; are generous in today&#8217;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 &#8220;education fund&#8221; 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, &#8220;That&#8217;s not enough to make a difference in my portfolio.&#8221; That&#8217;s true, and it&#8217;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&#039;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) &ndash; 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&#8217;m curious if I happen to be missing something &#8211; 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&#039;s avatar' src='https://2.gravatar.com/avatar/26de7e38d6e698ad24169493f9cc80d20293a000359cd576d561081a8bd1a9b6?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/26de7e38d6e698ad24169493f9cc80d20293a000359cd576d561081a8bd1a9b6?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/26de7e38d6e698ad24169493f9cc80d20293a000359cd576d561081a8bd1a9b6?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/26de7e38d6e698ad24169493f9cc80d20293a000359cd576d561081a8bd1a9b6?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/26de7e38d6e698ad24169493f9cc80d20293a000359cd576d561081a8bd1a9b6?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/26de7e38d6e698ad24169493f9cc80d20293a000359cd576d561081a8bd1a9b6?s=160&#038;d=identicon&#038;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>&#8220;Savings Bond Wizard&#8221; isn&#8217;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&#039;s avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&#038;d=identicon&#038;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&#8217;s true, now we need to use the rather clumsy Savings Bond Calculator &#8230; <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&#039;s avatar' src='https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=160&#038;d=identicon&#038;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&#8217;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 “Routing number” field.<br />
2634your TreasuryDirect account number in the “Account number” field.<br />
2635“Savings” as the account type.<br />
2636Providing these instructions in the “refund” 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&#039;s avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&#038;d=identicon&#038;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&#8217;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&#039;s avatar' src='https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=160&#038;d=identicon&#038;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 &#8211; that is my question. I guess I&#8217;ll contact Treasury Direct for clarification. I actually had luck in the past getting a helpful response from Treasury Direct to a question I&#8217;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&#039;s avatar' src='https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=160&#038;d=identicon&#038;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&#8217;s the response I got from Treasury Direct:</p>
2692<p>&#8220;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.&#8221;</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&#039;s avatar' src='https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/50894708dcc47d9d47df1784006630e05c9542c3f80d0a72d092f84fab201b37?s=160&#038;d=identicon&#038;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 &#8217;em that&#8217;s 12) separate envelopes all delivered by the USPS on the same day (in spite of Louis DeJoy&#8217;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 &#8212; I don&#8217;t know if I will do it again in the future as I don&#8217;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&#8217;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&#039;s avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&#038;d=identicon&#038;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&#039;s avatar' src='https://0.gravatar.com/avatar/04f5a4bcc95ffb955736a41b367c93a1d92cab169a42508ab6c474507934edf0?s=40&#038;d=identicon&#038;r=G' srcset='https://0.gravatar.com/avatar/04f5a4bcc95ffb955736a41b367c93a1d92cab169a42508ab6c474507934edf0?s=40&#038;d=identicon&#038;r=G 1x, https://0.gravatar.com/avatar/04f5a4bcc95ffb955736a41b367c93a1d92cab169a42508ab6c474507934edf0?s=60&#038;d=identicon&#038;r=G 1.5x, https://0.gravatar.com/avatar/04f5a4bcc95ffb955736a41b367c93a1d92cab169a42508ab6c474507934edf0?s=80&#038;d=identicon&#038;r=G 2x, https://0.gravatar.com/avatar/04f5a4bcc95ffb955736a41b367c93a1d92cab169a42508ab6c474507934edf0?s=120&#038;d=identicon&#038;r=G 3x, https://0.gravatar.com/avatar/04f5a4bcc95ffb955736a41b367c93a1d92cab169a42508ab6c474507934edf0?s=160&#038;d=identicon&#038;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&#8217;re missing the six month periods Mar 2019 &#8211; Sep 2019 and Sep 2019 &#8211;
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&#039;s avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&#038;d=identicon&#038;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 &#8220;reminder&#8221; 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 -->
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2775
2776				</li><!-- #comment-## -->
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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&#039;s avatar' src='https://1.gravatar.com/avatar/a26bacb3b72113d95986803026223c28411488d8a5193b446f28934978d73116?s=40&#038;d=identicon&#038;r=G' srcset='https://1.gravatar.com/avatar/a26bacb3b72113d95986803026223c28411488d8a5193b446f28934978d73116?s=40&#038;d=identicon&#038;r=G 1x, https://1.gravatar.com/avatar/a26bacb3b72113d95986803026223c28411488d8a5193b446f28934978d73116?s=60&#038;d=identicon&#038;r=G 1.5x, https://1.gravatar.com/avatar/a26bacb3b72113d95986803026223c28411488d8a5193b446f28934978d73116?s=80&#038;d=identicon&#038;r=G 2x, https://1.gravatar.com/avatar/a26bacb3b72113d95986803026223c28411488d8a5193b446f28934978d73116?s=120&#038;d=identicon&#038;r=G 3x, https://1.gravatar.com/avatar/a26bacb3b72113d95986803026223c28411488d8a5193b446f28934978d73116?s=160&#038;d=identicon&#038;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&#8217;t issue account statements. Ever. The only proof you have of your bond ownership are screenshots, and they don&#8217;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 -->
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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&#039;s avatar' src='https://0.gravatar.com/avatar/3dd48b16ca91ffaaca962ace5aa757ac86216b6f13f5459ef4ff582150be9e64?s=40&#038;d=identicon&#038;r=G' srcset='https://0.gravatar.com/avatar/3dd48b16ca91ffaaca962ace5aa757ac86216b6f13f5459ef4ff582150be9e64?s=40&#038;d=identicon&#038;r=G 1x, https://0.gravatar.com/avatar/3dd48b16ca91ffaaca962ace5aa757ac86216b6f13f5459ef4ff582150be9e64?s=60&#038;d=identicon&#038;r=G 1.5x, https://0.gravatar.com/avatar/3dd48b16ca91ffaaca962ace5aa757ac86216b6f13f5459ef4ff582150be9e64?s=80&#038;d=identicon&#038;r=G 2x, https://0.gravatar.com/avatar/3dd48b16ca91ffaaca962ace5aa757ac86216b6f13f5459ef4ff582150be9e64?s=120&#038;d=identicon&#038;r=G 3x, https://0.gravatar.com/avatar/3dd48b16ca91ffaaca962ace5aa757ac86216b6f13f5459ef4ff582150be9e64?s=160&#038;d=identicon&#038;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 -->
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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&#039;s avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=160&#038;d=identicon&#038;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&#039;s avatar' src='https://1.gravatar.com/avatar/a26bacb3b72113d95986803026223c28411488d8a5193b446f28934978d73116?s=40&#038;d=identicon&#038;r=G' srcset='https://1.gravatar.com/avatar/a26bacb3b72113d95986803026223c28411488d8a5193b446f28934978d73116?s=40&#038;d=identicon&#038;r=G 1x, https://1.gravatar.com/avatar/a26bacb3b72113d95986803026223c28411488d8a5193b446f28934978d73116?s=60&#038;d=identicon&#038;r=G 1.5x, https://1.gravatar.com/avatar/a26bacb3b72113d95986803026223c28411488d8a5193b446f28934978d73116?s=80&#038;d=identicon&#038;r=G 2x, https://1.gravatar.com/avatar/a26bacb3b72113d95986803026223c28411488d8a5193b446f28934978d73116?s=120&#038;d=identicon&#038;r=G 3x, https://1.gravatar.com/avatar/a26bacb3b72113d95986803026223c28411488d8a5193b446f28934978d73116?s=160&#038;d=identicon&#038;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&#8217;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&#8217;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&#039;s avatar' src='https://2.gravatar.com/avatar/8e44bd1b164920377f668c70d2265822ef706bd867cfdd7cbfbd1443fe99a195?s=40&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/8e44bd1b164920377f668c70d2265822ef706bd867cfdd7cbfbd1443fe99a195?s=40&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/8e44bd1b164920377f668c70d2265822ef706bd867cfdd7cbfbd1443fe99a195?s=60&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/8e44bd1b164920377f668c70d2265822ef706bd867cfdd7cbfbd1443fe99a195?s=80&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/8e44bd1b164920377f668c70d2265822ef706bd867cfdd7cbfbd1443fe99a195?s=120&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/8e44bd1b164920377f668c70d2265822ef706bd867cfdd7cbfbd1443fe99a195?s=160&#038;d=identicon&#038;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&#8217;t know where to find out about upcoming variable rates on I-bonds.  I also didn&#8217;t know I could redeem my 2003 I-bond anytime if I wanted to (which I don&#8217;t).  Your site is more helpful to me than Treasury Direct&#8217;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.&#039;s avatar' src='https://1.gravatar.com/avatar/7fd62810e50e707f42f38634268ca86050688f81db0870f0d1b05d8186e9ae7a?s=40&#038;d=identicon&#038;r=G' srcset='https://1.gravatar.com/avatar/7fd62810e50e707f42f38634268ca86050688f81db0870f0d1b05d8186e9ae7a?s=40&#038;d=identicon&#038;r=G 1x, https://1.gravatar.com/avatar/7fd62810e50e707f42f38634268ca86050688f81db0870f0d1b05d8186e9ae7a?s=60&#038;d=identicon&#038;r=G 1.5x, https://1.gravatar.com/avatar/7fd62810e50e707f42f38634268ca86050688f81db0870f0d1b05d8186e9ae7a?s=80&#038;d=identicon&#038;r=G 2x, https://1.gravatar.com/avatar/7fd62810e50e707f42f38634268ca86050688f81db0870f0d1b05d8186e9ae7a?s=120&#038;d=identicon&#038;r=G 3x, https://1.gravatar.com/avatar/7fd62810e50e707f42f38634268ca86050688f81db0870f0d1b05d8186e9ae7a?s=160&#038;d=identicon&#038;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 &#8230; 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>
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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&nbsp;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&#8217;s do the&nbsp;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&nbsp;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&#8217;s an illustrated guide to TreasuryDirect&#8217;s new login&nbsp;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&#8217;s 10-year TIPS auction has strong&nbsp;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&nbsp;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&nbsp;transition</a>
3034									</li>
3035											<li>
3036					<a href="https://tipswatch.com/2026/09/06/wise-advice-dont-die-with-i-bonds/">Wise advice: &#8216;Don&#8217;t die with I&nbsp;Bonds&#8217;</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&nbsp;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 &#8216;too&nbsp;high&#8217;</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&amp;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&amp;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&amp;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&amp;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 &nbsp;(8)</option>
3121	<option value='https://tipswatch.com/2026/08/'> August 2026 &nbsp;(7)</option>
3122	<option value='https://tipswatch.com/2026/07/'> July 2026 &nbsp;(7)</option>
3123	<option value='https://tipswatch.com/2026/06/'> June 2026 &nbsp;(6)</option>
3124	<option value='https://tipswatch.com/2026/05/'> May 2026 &nbsp;(6)</option>
3125	<option value='https://tipswatch.com/2026/04/'> April 2026 &nbsp;(7)</option>
3126	<option value='https://tipswatch.com/2026/03/'> March 2026 &nbsp;(7)</option>
3127	<option value='https://tipswatch.com/2026/02/'> February 2026 &nbsp;(5)</option>
3128	<option value='https://tipswatch.com/2026/01/'> January 2026 &nbsp;(7)</option>
3129	<option value='https://tipswatch.com/2025/12/'> December 2025 &nbsp;(8)</option>
3130	<option value='https://tipswatch.com/2025/11/'> November 2025 &nbsp;(6)</option>
3131	<option value='https://tipswatch.com/2025/10/'> October 2025 &nbsp;(12)</option>
3132	<option value='https://tipswatch.com/2025/09/'> September 2025 &nbsp;(6)</option>
3133	<option value='https://tipswatch.com/2025/08/'> August 2025 &nbsp;(9)</option>
3134	<option value='https://tipswatch.com/2025/07/'> July 2025 &nbsp;(10)</option>
3135	<option value='https://tipswatch.com/2025/06/'> June 2025 &nbsp;(7)</option>
3136	<option value='https://tipswatch.com/2025/05/'> May 2025 &nbsp;(5)</option>
3137	<option value='https://tipswatch.com/2025/04/'> April 2025 &nbsp;(10)</option>
3138	<option value='https://tipswatch.com/2025/03/'> March 2025 &nbsp;(7)</option>
3139	<option value='https://tipswatch.com/2025/02/'> February 2025 &nbsp;(5)</option>
3140	<option value='https://tipswatch.com/2025/01/'> January 2025 &nbsp;(8)</option>
3141	<option value='https://tipswatch.com/2024/12/'> December 2024 &nbsp;(7)</option>
3142	<option value='https://tipswatch.com/2024/11/'>
3142 November 2024 &nbsp;(6)</option>
3143	<option value='https://tipswatch.com/2024/10/'> October 2024 &nbsp;(9)</option>
3144	<option value='https://tipswatch.com/2024/09/'> September 2024 &nbsp;(8)</option>
3145	<option value='https://tipswatch.com/2024/08/'> August 2024 &nbsp;(6)</option>
3146	<option value='https://tipswatch.com/2024/07/'> July 2024 &nbsp;(6)</option>
3147	<option value='https://tipswatch.com/2024/06/'> June 2024 &nbsp;(7)</option>
3148	<option value='https://tipswatch.com/2024/05/'> May 2024 &nbsp;(7)</option>
3149	<option value='https://tipswatch.com/2024/04/'> April 2024 &nbsp;(7)</option>
3150	<option value='https://tipswatch.com/2024/03/'> March 2024 &nbsp;(6)</option>
3151	<option value='https://tipswatch.com/2024/02/'> February 2024 &nbsp;(6)</option>
3152	<option value='https://tipswatch.com/2024/01/'> January 2024 &nbsp;(7)</option>
3153	<option value='https://tipswatch.com/2023/12/'> December 2023 &nbsp;(7)</option>
3154	<option value='https://tipswatch.com/2023/11/'> November 2023 &nbsp;(5)</option>
3155	<option value='https://tipswatch.com/2023/10/'> October 2023 &nbsp;(9)</option>
3156	<option value='https://tipswatch.com/2023/09/'> September 2023 &nbsp;(7)</option>
3157	<option value='https://tipswatch.com/2023/08/'> August 2023 &nbsp;(8)</option>
3158	<option value='https://tipswatch.com/2023/07/'> July 2023 &nbsp;(8)</option>
3159	<option value='https://tipswatch.com/2023/06/'> June 2023 &nbsp;(8)</option>
3160	<option value='https://tipswatch.com/2023/05/'> May 2023 &nbsp;(7)</option>
3161	<option value='https://tipswatch.com/2023/04/'> April 2023 &nbsp;(10)</option>
3162	<option value='https://tipswatch.com/2023/03/'> March 2023 &nbsp;(9)</option>
3163	<option value='https://tipswatch.com/2023/02/'> February 2023 &nbsp;(8)</option>
3164	<option value='https://tipswatch.com/2023/01/'> January 2023 &nbsp;(11)</option>
3165	<option value='https://tipswatch.com/2022/12/'> December 2022 &nbsp;(9)</option>
3166	<option value='https://tipswatch.com/2022/11/'> November 2022 &nbsp;(7)</option>
3167	<option value='https://tipswatch.com/2022/10/'> October 2022 &nbsp;(11)</option>
3168	<option value='https://tipswatch.com/2022/09/'> September 2022 &nbsp;(10)</option>
3169	<option value='https://tipswatch.com/2022/08/'> August 2022 &nbsp;(7)</option>
3170	<option value='https://tipswatch.com/2022/07/'> July 2022 &nbsp;(7)</option>
3171	<option value='https://tipswatch.com/2022/06/'> June 2022 &nbsp;(6)</option>
3172	<option value='https://tipswatch.com/2022/05/'> May 2022 &nbsp;(7)</option>
3173	<option value='https://tipswatch.com/2022/04/'> April 2022 &nbsp;(8)</option>
3174	<option value='https://tipswatch.com/2022/03/'> March 2022 &nbsp;(4)</option>
3175	<option value='https://tipswatch.com/2022/02/'> February 2022 &nbsp;(6)</option>
3176	<option value='https://tipswatch.com/2022/01/'> January 2022 &nbsp;(7)</option>
3177	<option value='https://tipswatch.com/2021/12/'> December 2021 &nbsp;(6)</option>
3178	<option value='https://tipswatch.com/2021/11/'> November 2021 &nbsp;(6)</option>
3179	<option value='https://tipswatch.com/2021/10/'> October 2021 &nbsp;(6)</option>
3180	<option value='https://tipswatch.com/2021/09/'> September 2021 &nbsp;(6)</option>
3181	<option value='https://tipswatch.com/2021/08/'> August 2021 &nbsp;(4)</option>
3182	<option value='https://tipswatch.com/2021/07/'> July 2021 &nbsp;(14)</option>
3183	<option value='https://tipswatch.com/2021/06/'> June 2021 &nbsp;(6)</option>
3184	<option value='https://tipswatch.com/2021/05/'> May 2021 &nbsp;(7)</option>
3185	<option value='https://tipswatch.com/2021/04/'> April 2021 &nbsp;(7)</option>
3186	<option value='https://tipswatch.com/2021/03/'> March 2021 &nbsp;(5)</option>
3187	<option value='https://tipswatch.com/2021/02/'> February 2021 &nbsp;(6)</option>
3188	<option value='https://tipswatch.com/2021/01/'> January 2021 &nbsp;(4)</option>
3189	<option value='https://tipswatch.com/2020/12/'> December 2020 &nbsp;(4)</option>
3190	<option value='https://tipswatch.com/2020/11/'> November 2020 &nbsp;(5)</option>
3191	<option value='https://tipswatch.com/2020/10/'> October 2020 &nbsp;(4)</option>
3192	<option value='https://tipswatch.com/2020/09/'> September 2020 &nbsp;(5)</option>
3193	<option value='https://tipswatch.com/2020/08/'> August 2020 &nbsp;(4)</option>
3194	<option value='https://tipswatch.com/2020/07/'> July 2020 &nbsp;(3)</option>
3195	<option value='https://tipswatch.com/2020/06/'> June 2020 &nbsp;(4)</option>
3196	<option value='https://tipswatch.com/2020/05/'> May 2020 &nbsp;(5)</option>
3197	<option value='https://tipswatch.com/2020/04/'> April 2020 &nbsp;(4)</option>
3198	<option value='https://tipswatch.com/2020/03/'> March 2020 &nbsp;(6)</option>
3199	<option value='https://tipswatch.com/2020/02/'> February 2020 &nbsp;(3)</option>
3200	<option value='https://tipswatch.com/2020/01/'> January 2020 &nbsp;(4)</option>
3201	<option value='https://tipswatch.com/2019/12/'> December 2019 &nbsp;(3)</option>
3202	<option value='https://tipswatch.com/2019/11/'>
3202 November 2019 &nbsp;(4)</option>
3203	<option value='https://tipswatch.com/2019/10/'> October 2019 &nbsp;(4)</option>
3204	<option value='https://tipswatch.com/2019/09/'> September 2019 &nbsp;(4)</option>
3205	<option value='https://tipswatch.com/2019/08/'> August 2019 &nbsp;(4)</option>
3206	<option value='https://tipswatch.com/2019/07/'> July 2019 &nbsp;(4)</option>
3207	<option value='https://tipswatch.com/2019/06/'> June 2019 &nbsp;(5)</option>
3208	<option value='https://tipswatch.com/2019/05/'> May 2019 &nbsp;(4)</option>
3209	<option value='https://tipswatch.com/2019/04/'> April 2019 &nbsp;(5)</option>
3210	<option value='https://tipswatch.com/2019/03/'> March 2019 &nbsp;(4)</option>
3211	<option value='https://tipswatch.com/2019/02/'> February 2019 &nbsp;(4)</option>
3212	<option value='https://tipswatch.com/2019/01/'> January 2019 &nbsp;(4)</option>
3213	<option value='https://tipswatch.com/2018/12/'> December 2018 &nbsp;(4)</option>
3214	<option value='https://tipswatch.com/2018/11/'> November 2018 &nbsp;(5)</option>
3215	<option value='https://tipswatch.com/2018/10/'> October 2018 &nbsp;(5)</option>
3216	<option value='https://tipswatch.com/2018/09/'> September 2018 &nbsp;(3)</option>
3217	<option value='https://tipswatch.com/2018/08/'> August 2018 &nbsp;(5)</option>
3218	<option value='https://tipswatch.com/2018/07/'> July 2018 &nbsp;(5)</option>
3219	<option value='https://tipswatch.com/2018/06/'> June 2018 &nbsp;(4)</option>
3220	<option value='https://tipswatch.com/2018/05/'> May 2018 &nbsp;(4)</option>
3221	<option value='https://tipswatch.com/2018/04/'> April 2018 &nbsp;(4)</option>
3222	<option value='https://tipswatch.com/2018/03/'> March 2018 &nbsp;(4)</option>
3223	<option value='https://tipswatch.com/2018/02/'> February 2018 &nbsp;(4)</option>
3224	<option value='https://tipswatch.com/2018/01/'> January 2018 &nbsp;(4)</option>
3225	<option value='https://tipswatch.com/2017/12/'> December 2017 &nbsp;(4)</option>
3226	<option value='https://tipswatch.com/2017/11/'> November 2017 &nbsp;(5)</option>
3227	<option value='https://tipswatch.com/2017/10/'> October 2017 &nbsp;(5)</option>
3228	<option value='https://tipswatch.com/2017/09/'> September 2017 &nbsp;(3)</option>
3229	<option value='https://tipswatch.com/2017/08/'> August 2017 &nbsp;(4)</option>
3230	<option value='https://tipswatch.com/2017/07/'> July 2017 &nbsp;(5)</option>
3231	<option value='https://tipswatch.com/2017/06/'> June 2017 &nbsp;(3)</option>
3232	<option value='https://tipswatch.com/2017/05/'> May 2017 &nbsp;(6)</option>
3233	<option value='https://tipswatch.com/2017/04/'> April 2017 &nbsp;(5)</option>
3234	<option value='https://tipswatch.com/2017/03/'> March 2017 &nbsp;(4)</option>
3235	<option value='https://tipswatch.com/2017/02/'> February 2017 &nbsp;(5)</option>
3236	<option value='https://tipswatch.com/2017/01/'> January 2017 &nbsp;(5)</option>
3237	<option value='https://tipswatch.com/2016/12/'> December 2016 &nbsp;(5)</option>
3238	<option value='https://tipswatch.com/2016/11/'> November 2016 &nbsp;(4)</option>
3239	<option value='https://tipswatch.com/2016/10/'> October 2016 &nbsp;(5)</option>
3240	<option value='https://tipswatch.com/2016/09/'> September 2016 &nbsp;(5)</option>
3241	<option value='https://tipswatch.com/2016/08/'> August 2016 &nbsp;(3)</option>
3242	<option value='https://tipswatch.com/2016/07/'> July 2016 &nbsp;(5)</option>
3243	<option value='https://tipswatch.com/2016/06/'> June 2016 &nbsp;(3)</option>
3244	<option value='https://tipswatch.com/2016/05/'> May 2016 &nbsp;(6)</option>
3245	<option value='https://tipswatch.com/2016/04/'> April 2016 &nbsp;(7)</option>
3246	<option value='https://tipswatch.com/2016/03/'> March 2016 &nbsp;(5)</option>
3247	<option value='https://tipswatch.com/2016/02/'> February 2016 &nbsp;(4)</option>
3248	<option value='https://tipswatch.com/2016/01/'> January 2016 &nbsp;(7)</option>
3249	<option value='https://tipswatch.com/2015/12/'> December 2015 &nbsp;(5)</option>
3250	<option value='https://tipswatch.com/2015/11/'> November 2015 &nbsp;(9)</option>
3251	<option value='https://tipswatch.com/2015/10/'> October 2015 &nbsp;(6)</option>
3252	<option value='https://tipswatch.com/2015/09/'> September 2015 &nbsp;(5)</option>
3253	<option value='https://tipswatch.com/2015/08/'> August 2015 &nbsp;(5)</option>
3254	<option value='https://tipswatch.com/2015/07/'> July 2015 &nbsp;(5)</option>
3255	<option value='https://tipswatch.com/2015/06/'> June 2015 &nbsp;(4)</option>
3256	<option value='https://tipswatch.com/2015/05/'> May 2015 &nbsp;(7)</option>
3257	<option value='https://tipswatch.com/2015/04/'> April 2015 &nbsp;(5)</option>
3258	<option value='https://tipswatch.com/2015/03/'> March 2015 &nbsp;(5)</option>
3259	<option value='https://tipswatch.com/2015/02/'> February 2015 &nbsp;(7)</option>
3260	<option value='https://tipswatch.com/2015/01/'> January 2015 &nbsp;(7)</option>
3261	<option value='https://tipswatch.com/2014/12/'> December 2014 &nbsp;(6)</option>
3262	<option value='https://tipswatch.com/2014/11/'>
3262 November 2014 &nbsp;(6)</option>
3263	<option value='https://tipswatch.com/2014/10/'> October 2014 &nbsp;(8)</option>
3264	<option value='https://tipswatch.com/2014/09/'> September 2014 &nbsp;(8)</option>
3265	<option value='https://tipswatch.com/2014/08/'> August 2014 &nbsp;(6)</option>
3266	<option value='https://tipswatch.com/2014/07/'> July 2014 &nbsp;(9)</option>
3267	<option value='https://tipswatch.com/2014/06/'> June 2014 &nbsp;(7)</option>
3268	<option value='https://tipswatch.com/2014/05/'> May 2014 &nbsp;(6)</option>
3269	<option value='https://tipswatch.com/2014/04/'> April 2014 &nbsp;(8)</option>
3270	<option value='https://tipswatch.com/2014/03/'> March 2014 &nbsp;(9)</option>
3271	<option value='https://tipswatch.com/2014/02/'> February 2014 &nbsp;(6)</option>
3272	<option value='https://tipswatch.com/2014/01/'> January 2014 &nbsp;(11)</option>
3273	<option value='https://tipswatch.com/2013/12/'> December 2013 &nbsp;(8)</option>
3274	<option value='https://tipswatch.com/2013/11/'> November 2013 &nbsp;(7)</option>
3275	<option value='https://tipswatch.com/2013/10/'> October 2013 &nbsp;(10)</option>
3276	<option value='https://tipswatch.com/2013/09/'> September 2013 &nbsp;(5)</option>
3277	<option value='https://tipswatch.com/2013/08/'> August 2013 &nbsp;(7)</option>
3278	<option value='https://tipswatch.com/2013/07/'> July 2013 &nbsp;(10)</option>
3279	<option value='https://tipswatch.com/2013/06/'> June 2013 &nbsp;(9)</option>
3280	<option value='https://tipswatch.com/2013/05/'> May 2013 &nbsp;(4)</option>
3281	<option value='https://tipswatch.com/2013/04/'> April 2013 &nbsp;(9)</option>
3282	<option value='https://tipswatch.com/2013/03/'> March 2013 &nbsp;(6)</option>
3283	<option value='https://tipswatch.com/2013/02/'> February 2013 &nbsp;(5)</option>
3284	<option value='https://tipswatch.com/2013/01/'> January 2013 &nbsp;(5)</option>
3285	<option value='https://tipswatch.com/2012/12/'> December 2012 &nbsp;(6)</option>
3286	<option value='https://tipswatch.com/2012/11/'> November 2012 &nbsp;(3)</option>
3287	<option value='https://tipswatch.com/2012/10/'> October 2012 &nbsp;(6)</option>
3288	<option value='https://tipswatch.com/2012/09/'> September 2012 &nbsp;(5)</option>
3289	<option value='https://tipswatch.com/2012/08/'> August 2012 &nbsp;(4)</option>
3290	<option value='https://tipswatch.com/2012/07/'> July 2012 &nbsp;(4)</option>
3291	<option value='https://tipswatch.com/2012/06/'> June 2012 &nbsp;(4)</option>
3292	<option value='https://tipswatch.com/2012/05/'> May 2012 &nbsp;(4)</option>
3293	<option value='https://tipswatch.com/2012/04/'> April 2012 &nbsp;(7)</option>
3294	<option value='https://tipswatch.com/2012/03/'> March 2012 &nbsp;(6)</option>
3295	<option value='https://tipswatch.com/2012/02/'> February 2012 &nbsp;(8)</option>
3296	<option value='https://tipswatch.com/2012/01/'> January 2012 &nbsp;(5)</option>
3297	<option value='https://tipswatch.com/2011/12/'> December 2011 &nbsp;(2)</option>
3298	<option value='https://tipswatch.com/2011/11/'> November 2011 &nbsp;(5)</option>
3299	<option value='https://tipswatch.com/2011/10/'> October 2011 &nbsp;(4)</option>
3300	<option value='https://tipswatch.com/2011/09/'> September 2011 &nbsp;(3)</option>
3301	<option value='https://tipswatch.com/2011/08/'> August 2011 &nbsp;(12)</option>
3302	<option value='https://tipswatch.com/2011/07/'> July 2011 &nbsp;(9)</option>
3303	<option value='https://tipswatch.com/2011/06/'> June 2011 &nbsp;(19)</option>
3304	<option value='https://tipswatch.com/2011/05/'> May 2011 &nbsp;(8)</option>
3305	<option value='https://tipswatch.com/2011/04/'> April 2011 &nbsp;(15)</option>
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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&#039;s avatar' src='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=48&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=48&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=72&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=96&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=144&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/811760399c5787d95109d5dc720d043364c62e8168d1f675db98ab366c158878?s=192&#038;d=identicon&#038;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&nbsp;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&hellip;</p>
3340</div></article></li><li class="wp-block-latest-comments__comment"><img referrerpolicy="no-referrer" alt='Rocky&#039;s avatar' src='https://0.gravatar.com/avatar/f893dd088418a97224c58f5dd83bdfc510c5dfe15f1ee9ccee52aa62038a6d1a?s=48&#038;d=identicon&#038;r=G' srcset='https://0.gravatar.com/avatar/f893dd088418a97224c58f5dd83bdfc510c5dfe15f1ee9ccee52aa62038a6d1a?s=48&#038;d=identicon&#038;r=G 1x, https://0.gravatar.com/avatar/f893dd088418a97224c58f5dd83bdfc510c5dfe15f1ee9ccee52aa62038a6d1a?s=72&#038;d=identicon&#038;r=G 1.5x, https://0.gravatar.com/avatar/f893dd088418a97224c58f5dd83bdfc510c5dfe15f1ee9ccee52aa62038a6d1a?s=96&#038;d=identicon&#038;r=G 2x, https://0.gravatar.com/avatar/f893dd088418a97224c58f5dd83bdfc510c5dfe15f1ee9ccee52aa62038a6d1a?s=144&#038;d=identicon&#038;r=G 3x, https://0.gravatar.com/avatar/f893dd088418a97224c58f5dd83bdfc510c5dfe15f1ee9ccee52aa62038a6d1a?s=192&#038;d=identicon&#038;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&#8217;s an illustrated guide to TreasuryDirect&#8217;s new login&nbsp;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&hellip;</p>
3341</div></article></li><li class="wp-block-latest-comments__comment"><img referrerpolicy="no-referrer" alt='Walt&#039;s avatar' src='https://0.gravatar.com/avatar/09db67cc56b055425e73c7a2cf8d54c537b3b6bac26276f63453daf070d2947e?s=48&#038;d=identicon&#038;r=G' srcset='https://0.gravatar.com/avatar/09db67cc56b055425e73c7a2cf8d54c537b3b6bac26276f63453daf070d2947e?s=48&#038;d=identicon&#038;r=G 1x, https://0.gravatar.com/avatar/09db67cc56b055425e73c7a2cf8d54c537b3b6bac26276f63453daf070d2947e?s=72&#038;d=identicon&#038;r=G 1.5x, https://0.gravatar.com/avatar/09db67cc56b055425e73c7a2cf8d54c537b3b6bac26276f63453daf070d2947e?s=96&#038;d=identicon&#038;r=G 2x, https://0.gravatar.com/avatar/09db67cc56b055425e73c7a2cf8d54c537b3b6bac26276f63453daf070d2947e?s=144&#038;d=identicon&#038;r=G 3x, https://0.gravatar.com/avatar/09db67cc56b055425e73c7a2cf8d54c537b3b6bac26276f63453daf070d2947e?s=192&#038;d=identicon&#038;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&nbsp;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&hellip;</p>
3342</div></article></li><li class="wp-block-latest-comments__comment"><img referrerpolicy="no-referrer" alt='Fred Bloggs&#039;s avatar' src='https://2.gravatar.com/avatar/22ba9e98c139ec2f7e4e16644ce3aceb98435708e1c17b1fe762c32de1a093d8?s=48&#038;d=identicon&#038;r=G' srcset='https://2.gravatar.com/avatar/22ba9e98c139ec2f7e4e16644ce3aceb98435708e1c17b1fe762c32de1a093d8?s=48&#038;d=identicon&#038;r=G 1x, https://2.gravatar.com/avatar/22ba9e98c139ec2f7e4e16644ce3aceb98435708e1c17b1fe762c32de1a093d8?s=72&#038;d=identicon&#038;r=G 1.5x, https://2.gravatar.com/avatar/22ba9e98c139ec2f7e4e16644ce3aceb98435708e1c17b1fe762c32de1a093d8?s=96&#038;d=identicon&#038;r=G 2x, https://2.gravatar.com/avatar/22ba9e98c139ec2f7e4e16644ce3aceb98435708e1c17b1fe762c32de1a093d8?s=144&#038;d=identicon&#038;r=G 3x, https://2.gravatar.com/avatar/22ba9e98c139ec2f7e4e16644ce3aceb98435708e1c17b1fe762c32de1a093d8?s=192&#038;d=identicon&#038;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&nbsp;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&hellip;</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&nbsp;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>[&#8230;] Tipswatch, “10-year TIPS reopening gets real yield of 2.653%, highest in nearly 18 years,” Sept. 17, 2026 (citing U.S.&hellip;</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>
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3355</li>
3356	<li class="cat-item cat-item-6631"><a href="https://tipswatch.com/category/federal-reserve/">Federal Reserve</a>
3357</li>
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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>
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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>
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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>
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3385
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3398					Treasury Inflation-Protected Securities				</a>
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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 &amp; 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&#038;d=https%3A%2F%2Fs-ssl.wordpress.com%2Fi%2Flogo%2Fwpcom-gray-white.png' srcset='https://secure.gravatar.com/blavatar/8b27e9c286ab194a8b14b88d35bd8701fd2234356dfb795fe76905d5925bea08?s=50&#038;d=https%3A%2F%2Fs-ssl.wordpress.com%2Fi%2Flogo%2Fwpcom-gray-white.png 1x, https://secure.gravatar.com/blavatar/8b27e9c286ab194a8b14b88d35bd8701fd2234356dfb795fe76905d5925bea08?s=75&#038;d=https%3A%2F%2Fs-ssl.wordpress.com%2Fi%2Flogo%2Fwpcom-gray-white.png 1.5x, https://secure.gravatar.com/blavatar/8b27e9c286ab194a8b14b88d35bd8701fd2234356dfb795fe76905d5925bea08?s=100&#038;d=https%3A%2F%2Fs-ssl.wordpress.com%2Fi%2Flogo%2Fwpcom-gray-white.png 2x, https://secure.gravatar.com/blavatar/8b27e9c286ab194a8b14b88d35bd8701fd2234356dfb795fe76905d5925bea08?s=150&#038;d=https%3A%2F%2Fs-ssl.wordpress.com%2Fi%2Flogo%2Fwpcom-gray-white.png 3x, https://secure.gravatar.com/blavatar/8b27e9c286ab194a8b14b88d35bd8701fd2234356dfb795fe76905d5925bea08?s=200&#038;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&#038;d=https%3A%2F%2Fs-ssl.wordpress.com%2Fi%2Flogo%2Fwpcom-gray-white.png' srcset='https://secure.gravatar.com/blavatar/8b27e9c286ab194a8b14b88d35bd8701fd2234356dfb795fe76905d5925bea08?s=50&#038;d=https%3A%2F%2Fs-ssl.wordpress.com%2Fi%2Flogo%2Fwpcom-gray-white.png 1x, https://secure.gravatar.com/blavatar/8b27e9c286ab194a8b14b88d35bd8701fd2234356dfb795fe76905d5925bea08?s=75&#038;d=https%3A%2F%2Fs-ssl.wordpress.com%2Fi%2Flogo%2Fwpcom-gray-white.png 1.5x, https://secure.gravatar.com/blavatar/8b27e9c286ab194a8b14b88d35bd8701fd2234356dfb795fe76905d5925bea08?s=100&#038;d=https%3A%2F%2Fs-ssl.wordpress.com%2Fi%2Flogo%2Fwpcom-gray-white.png 2x, https://secure.gravatar.com/blavatar/8b27e9c286ab194a8b14b88d35bd8701fd2234356dfb795fe76905d5925bea08?s=150&#038;d=https%3A%2F%2Fs-ssl.wordpress.com%2Fi%2Flogo%2Fwpcom-gray-white.png 3x, https://secure.gravatar.com/blavatar/8b27e9c286ab194a8b14b88d35bd8701fd2234356dfb795fe76905d5925bea08?s=200&#038;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"/>
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