Tag: series I bonds
Do Series “I” Bonds Help Conquer Inflation?
Inflation comes for all of us; how we deal with it determines our financial success in life. I like to say that inflation is the cost of being alive. There are many ways to outpace inflation (dividend investing, real estate, cryptocurrencies, business), but you must balance each against your goals, dreams, and risk profile. I…
Why Series “I”? The Benefits of Investing in Savings Bonds
With the Federal Funds rate hovering around 5%, there are many places to park your cash and receive a good deal of interest. Some of these investments include high-yield savings, certificates of deposit, treasury bills, and treasury notes. With so many choices, how is a saver to choose? How to invest is a deeply personal…
Investing for Interest 116: Series “I” Bonds vs. Treasury Inflation-Protected Securities
We all must position our money to beat inflation. We can do this by investing in dividends, real estate, royalties, and businesses. Once we start earning additional cash, we must invest it into securities that also attempt to beat inflation. Two safe government-sponsored inflation-beating products are Series “I” Bonds and Treasury Inflation-Protected Securities (TIPS). Financial…
Stock & Bond Investing in Your 30s
Have you ever heard anyone talk about the “terrible twos” as they raise their children? It’s a time when kids often don’t sleep, can walk and talk, and get into all kinds of mischief. My wife went through this phase twice with our two kids—with me out on assignment most of the time. It’s a…
Investing for Interest 112: Series “I” Bonds vs Series “EE” Bonds
The Investing for Interest Series (101, 102, 103, 104, 105, 106, 107, 108, 109, 110, 111) is one of my favorite series. I love this series because there is always something new to review or compare in the world of fixed income. Bonds don’t receive as much love as stocks, but our fondness for bonds…
Bond Investing in Your 70s
We should all plan on enjoying our 70s while preserving capital. Even better, we can help our family build generational wealth while we travel the world. There is much to accomplish in the later chapters of life, but it requires financial sophistication to achieve our goals. Welcome back to the Bond Investing at Any Age…
Series “I” Bonds vs Index Funds: Making the Leap From Saver to Investor
The most challenging aspect of becoming financially independent is making the leap from a saver to an investor. It’s nearly impossible to save your way to financial freedom. As much as we love the comfort of having our money in savings, earning 3-4% on your cash won’t net you enough to retire. How do we…
Series “I” Bonds 4 Life: It’s Always a Good Time to Buy Savings Bonds
As inflation slowly recedes, so does the hype for one of my favorite investment tools—Series “I” Bonds. The hype turned into mania when they paid 9.62% interest last year. The goal of an “I” bond is to protect your cash from inflation while giving you a modest return. When they hit 9.62%, it was probably…
Middle-Class Investing 105: Start with Savings & Interest
Becoming a big-time investor doesn’t start with buying dividend stocks and real estate. First, you must appreciate every dollar you earn. The purpose of every dollar you earn is to earn more dollars. That’s right; your money makes you money. The first place we can start earning income from our money is in the banks.…
Bond Investing in Your 50s
Hopefully, we will figure out our financial path during our 20s, 30s, and 40s to focus on our family in our 50s. That’s right; time to build passive income for our children through bond investing. Can you imagine if you had $20,000, $30,000, or even $50,000 of Series “I” bonds waiting for you by age…
The Bonds of Thanksgiving: Tis’ The Season to Invest in Bonds
It’s been a long time since bonds were attractive during the holiday season. You would have to travel back before 2008 to find such a time. This year, the Federal Reserve is trying to fight inflation—raising their interest rates hard and fast. Raising rates could cause a recession and higher employment. This could be a…
Bond Investing in Your 20s
I spend a lot of time writing about dividends and income investing. However, recently bonds have become attractive because they offer higher yields compared to the last 10-15 years. Now, it’s time to write the companion series to my Dividend Investing at Any Age series (20s, 30s, 40s, 50s, 60s, 70s), this time focusing on…
How to Buy and Track 30-Year Treasury Bonds
I was writing an article about my Recession Investing Plan yesterday and realized how tricky it is to purchase 30-Year Treasury Bonds. I started buying these bonds three years ago and had to learn via trial and error. I haven’t purchased a 30-Year bond in a couple of years because yields have been low. Free…
How We Plan to Retire on Dividends 4
Wow, the fourth time’s a charm. There has never been a more critical time to understand who you are as an investor. The bond and stock markets are in turmoil, and your only saving grace is your knowledge and education. We don’t know what the future holds for our economy, but we must still allocate…
Bond Growth Investing: Bonds to the Rescue
Why should dividends have all of the fun inside of your growth investing portfolios? Is there a way to mirror dividend growth in our bond portfolios? The answer is yes and no. However, bonds can be a great addition to anyone’s passive income and growth portfolios, but they take a little more education than DGI…
High-Yield Savings vs CD Ladders vs Series I Bonds
We know saving AND investing are vital to our family’s and finances’ long-term health. However, most of us will start on the savings side. As savers, we have more tools at our disposal than ever, and navigating the sea of options may be challenging. Luckily, I am here to put three solid strategies to the…
Investing for Interest 109: Series I vs 30-Year Bonds
Things are looking good for interest rates on a fixed income. The Federal Reserve is raising rates to combat inflation, which makes savers very happy. Don’t get too excited because increasing interest rates will indeed crash the economy. High mortgage rates will slow the housing market, which may cause a full-blown recession. Now, more than…
Series “I” Bonds vs Roth IRAs
With a recession on the horizon, we need to invest with a long-term mindset. We aren’t going to make double-digit returns over the next few years. What are some investing options we have with a 20+ year timeframe? Today, I want to talk about Series “I” Bonds and Roth IRAs because they are very similar,…
