Recent content by zzyp

Thanks, I guess I should have figured that out. Perhaps your post will help someone that didn't want to ask.

What is FIRE? Use in several posts and forums, but I don't what FIRE stands for.:facepalm:

I lean more toward low fee index funds, the trades without purchase or sales fees, Schwab for instance. Do you compare your results to S&P index? Why not buy SPY or SPTM? No great decisions, but always have similar long term results. If you have trouble beating Dow-Jones or always doing as...

re-wrote it,, kept it to one theme, corrected errors. will delete 2nd posting Starting in 2001, I purchased 18 bonds that year and they are now worth over over 3 times the purchase price. For example, I paid $1000 for a bond in October 2001 that now pays 12.76% and currently, in February 2023...

This thread is truly out-of-date with I bonds now paying over 9%, much higher than CDs. I will try to start a new thread because this one is overly long, as well as out-of date.

After 2018 when I took my RMD after market went down, I decided when the account, due to market conditions, was up over the amount of my RMD, that I would take my RMD at that point instead waiting till the end of the year. At some point in the year nearly always the market is up at least that...

Sorry about old message, was looking for something else using key word search, ran across your message and though it needed reply, only noticed later the date. I didn't have funds available then much, and still did not fully understand the longer term advantages of tips. So, I did miss out. I...

I Bonds mostly better than CD's, buy late in month betgter than early As I figure, a Series I savings bond outperforms most currently available bank CD's for any period from 1 year to 5 years IF you assume future CPI measured inflation to be more than 3%. Also addition it is interest deferred...

Recent deflation Deflation of any note! How about 2009 compared to 2008, at least according to CPI. That is why not SS increase in 2010 because of the CPI decrease which would have resulted in a reduction except the SS rules is that the CPI adjustment to SS is never negative. Some of my...

Close enough for government work The yield I quoted was for 9 years and 1 month, when I changed and did 9 years, 08-2000 to 08-2009,the Wizard shows 6.62% yield, very close to your 6.65%, value $179.68. When I used 1.0662 and compounded $100 nine times with a simple calculator, it figures at...

CAGR vs Yield The treasury program Savings Bond Wizard in addition to the Rate column has a column "Yield" which for that Aug. 2000 $100 bond shows a yield of 6.56%, contrasted to CAGR you show as 8.76% for the same $79.68 gain. I believe both Yield, I assume APY(Average Percentage...

It's a puzzle to me? --------- If I bought a 3% fixed rate I bond with a credit card with 1% cash back, is it really like a 4% fixed rate for the life of the bond. or does the 1% just like a temporary benefit, for the first 6 months, or the first year?. When the treasury bond or corporate bond...

That's cute The singing sheep clip:laugh: from Alan, or was it from Shaun, don't know what it has to do with I bonds, but cute anyway.

I think it is a correct calculation of CPI-U into an inflation adjustment in the long run, since interest rates are normally shown on an annual basis, but the I bond rates are for 6 month. It makes for wild swings if there is 6 month significant inflation or deflation, it is doubled into the 6...

Yes, there was a 3.6% fixed rate, true Sorry for doubting, I overlooked the period of 3.6% interest in looking at the Fixed rate table. I too bought some bonds with a cash-back credit card when that option was available.