Projected I Bond inflationary component

[foxfirev5]

Quote:

Originally Posted by RetiredAt55.5 You only have to hold them for 5 years to avoid losing any interest.

Exactly. 5 years is the key number for Series I. Once my first allotment hit 5 years I had 10k + inflation ready for withdrawal each year. This helps compensate for the possible screwup of me taking SS early and living too long.

[Montecfo]

Quote:

Originally Posted by njhowie I seriously doubt regular treasuries (of any maturity) will return anything close to 3% over the remainder of the year. As the linked article indicates, for short-term TIPS, unfortunately, the interest rate component is currently negative, so it too is at a disadvantage to the I-bond. It's ok that the I-bond is not for you. That doesn't mean it isn't good or isn't right for anyone else.

I never suggested they were not for anyone.
I only spoke for myself.

If they could be invested in in meaningful amounts, I might have a different view.

If the rate lasted more than a year, I might have a different view.

I do agree they are worth mentioning. But the track record over the long-term does not favor them compared to regular Treasuries, in my opinion, considering all the features of each.

But I speak only for me.

[teej1985]

Quote:

Originally Posted by Montecfo I never suggested they were not for anyone. I only spoke for myself. If they could be invested in in meaningful amounts, I might have a different view. If the rate lasted more than a year, I might have a different view. I do agree they are worth mentioning. But the track record over the long-term does not favor them compared to regular Treasuries, in my opinion, considering all the features of each. But I speak only for me.

Which track record are you not happy with? I Bonds purchased 23 years ago will be earning 7% next month.