My 5-year TIPS ladder is going to need a rung replaced next week with the upcoming TIPS auction. Because I anticipate another auction with negative real interest rates, I'm debating buying $10k in I-Bonds and the rest in TIPS instead of buying 100% TIPS this time. In retrospect I wish I had done that from day one. I did not properly value the option of NOT cashing in a savings bond when the corresponding TIPS matured.
Is anyone else doing the same math and coming to the same or a different conclusion?
This is for the short-term inflation-protected extremely-safe portion of my portfolio. I have other assets in equities.
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I have CDs starting to mature in the next year and I will be rolling over to I bonds as much as I am able. The only problem with I bonds is that TreasuryDirect is about the most un-user friendly financial website I have ever used.
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