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Old 01-24-2009, 06:06 PM   #21
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Fair enough. I'll be holding these for a long time so I'm holding out for a better fixed rate than 0.7%
I would do the same if looking to the long term as well. Good luck.
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Old 01-25-2009, 02:40 PM   #22
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I like skimming the 'Savings Bond Alert' site @ US Savings Bonds Advisor occasionally to decide if its an OK time to buy more I-Bonds. It seems that people holding I-Bonds right now may be looking at a 0% rate of return over the next 6 month period:

Inflation update for January 2009: US Savings Bonds
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Unless there is a sharp price rebound during the next three months, the next I bond inflation component will be negative. A negative inflation component can wipe out the I bond's fixed rate, but the composite rate cannot go below zero.



I am hoping this means the next offering period will have a substantially higher fixed rate component. If that happens, I'll be buying and if not, I'll let my cash sit in its high yield mma for a while longer.
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Old 01-25-2009, 02:54 PM   #23
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I like skimming the 'Savings Bond Alert' site @ US Savings Bonds Advisor occasionally to decide if its an OK time to buy more I-Bonds. It seems that people holding I-Bonds right now may be looking at a 0% rate of return over the next 6 month period.

I am hoping this means the next offering period will have a substantially higher fixed rate component. If that happens, I'll be buying and if not, I'll let my cash sit in its high yield mma for a while longer.
Thanks for the link, and I am now thinking about waiting 'til May to see what the fixed rate becomes.
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Old 01-25-2009, 03:24 PM   #24
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I very much expect the inflation-portion of the iBond rate to be negative. I actually suspect that they'll raise the fixed rate somewhat in recompense. Its the reason I'm waiting until May.
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Old 01-25-2009, 04:37 PM   #25
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There's an auction of new 20-year TIPS tomorrow, if anyone is interested.
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Old 01-25-2009, 08:17 PM   #26
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I put my bid in Friday!
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Old 01-26-2009, 12:30 PM   #27
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Auction results on the 20yr TIPS came out, 2.5%.
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Old 01-26-2009, 12:52 PM   #28
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Auction results on the 20yr TIPS came out, 2.5%.
I bought some too. Actual came in, as you say, at 2.5%, the same as the coupon.
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Old 01-26-2009, 01:46 PM   #29
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Looks like a decent rate in a historical context

20-year TIPS

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Old 01-26-2009, 03:09 PM   #30
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Yeah, better than expected. This from BB:

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The auction of 20-year Treasury Inflation Protected Securities, or TIPS, drew a yield of 2.50 percent, compared with an average forecast of 2.37 percent by seven bond-trading firms in a Bloomberg News survey before the sale.
Investors bid for 1.92 times the amount of debt on offer, below the average bid-to-cover ratio of 1.98 for the previous five auctions. Indirect bidders, a class of investors that includes foreign central banks, were awarded 54 percent of the securities. The average for the previous five sales was 57.2 percent.
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