I Bonds vs Tips: What’s Better As An Inflation Hedge – inflation protected Treasury Securities aren’t all created the same. With the expected new interest rate on I-Bonds at 9.62% on annualized basis (come May 2022) & the March inflation rate at 8.5%, now’s the time to understand everything you need to know about ibonds vs Tips & figure out what to do during inflation in 2022.
🎯 In this Tips vs I Bonds video, I’m going to answer all these questions & more!
✔️ What are I Bonds & how to buy I Bonds?
✔️ What are Tips (inflation), what are TIPS bonds & how to buy TIPS?
✔️ What’s the similarity & difference between TIPS & I Bonds & how does this similarity or difference between I Bonds & TIPS impact our inflation investing strategies?
✔️ What’s the best hedge against inflation – in our opinion?
✔️ How do you buy more I-Bonds in 2022 beyond the annual I-Bond limit?
HOW TO BUY I BONDS STEP-BY-STEP TUTORIAL:
HOW TO BUY MORE THAN THE $15,000 I-BOND LIMIT IN 2022:
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Diamond NestEgg is a financial literacy, education & coaching company and Jennifer is a financial coach, licensed life insurance broker & student loan expert. We are not a bank, securities broker, legal, tax or financial advisor.
Everyone’s financial journey is different – we are not fully aware of your individual financial circumstances. All investing involves risk & past performance is not indicative of future returns. To see if we can help with your specific situation, please email me at jennifer@diamondnestegg.com to schedule a consultation.
This video, the content on our social media channels & our website are for general educational, entertainment & informational purposes only and accurate as of the posting date.
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LEARN MORE ABOUT: Treasury Inflation Protected Securities
REVEALED: Best Investment During Inflation
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I just bought I bonds. So the current 9.62% interest on an I Bond is not considered an annual rate? But that I will make 9.62 % on my investment in just the first 6 months. With that, you're saying that I have to add the new interest rate in November 2022, to get my total annual percentage payout?
I put 50 grand in TIPS in my fidelity ira account about 18 months ago. It is DOWN about 3 percent. I am unclear why a nearly 10 percent inflation rate and it loses 3 percent . The only reason I haven't pulled the money is a lack of good options.
Thank you, Jennifer! What is difference between TIPS and T-bills. Would it be a good idea to diversify between I-Bonds, TIPS, and T-Bills?
How do you add a beneficiary once you've set up your ibond? thank you.
Kudos for presenting Treasury Direct math in a great understandable way with helpful tables of comparison between products. I have only looked at two of your videos, but am very impressed. I will be seeking out more. Thanks for your great content.
Hopefully there isn’t a gift tax?
How often donfhe Dividends from tips get deposited to your brokerage of checking account?
Ms. Lamer, thank you for some great vids on I bonds and investment strategies! Clear and insightful!
Thanks Jennifer for all your research and information. We recently set up linked accounts for our minor children with your video help. Great discovery on the loophole too.
this is my first time watching your channel. you make it sound less complicated and less confusing.thank you for a detailed explanation. i would definitely watch you again.
tips suck
Brilliantly and clearly explained. Incidentally, if you have a small business or trust, those entities can also purchase Ibonds.
Great job on this video!
Thank you for this amazing sharing! One Q: Only US citizens can buy I bonds? Can US resident buy as well?
If your 1000$ TIP is worth 1076 after one year ,does the principal that you earn interest on stay at 1076, or does it revert back to the $1000 to figure your next 12 months principal??
Great info!
Bought 10K in I bonds a few days ago.
Still don't understand TIPS very well. It sounds like you are saying that if you buy a TIPS you get a certain percent of interest….$1000 purchase + 7% interest = $1070 after one year. But during that time, your principle may also drop 2%. So, if that happens you would get back $980 in principle (basically your purchase, less 2% or $980) but you still get your 7% interest ($70 or there abouts since the purchase dropped in price by $20). So the final amount you would end up with if you cashed out after 12 months would be somewhere around $1050. Is that correct?
You're the best!
Great job!
Nicely done. Can I Bonds be purchased using EINs owned in additional to your SS number?