brewer12345
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
- Joined
- Mar 6, 2003
- Messages
- 18,085
Not entirely correct. You can't liquidate I-bonds at all for the first year (and then it is a 3 months penalty for the first 5).
In addition to that, you can't buy I-bonds in an IRA, like I am planning to do with TIPS.
Of course, "safety" is nice, but 0.7% / year is a decent bonus. But what you are calling "safety" here applies only to long periods of deflation and we have not had those in a long time.
I don't find real interest rates below 1% for 10 years too comforting. YMMV.