Fixed Rate = 0.10%
Inflation Rate = 0.77%
Composite Rate = 1.64%
https://www.treasurydirect.gov/indiv/re ... dterms.htm
November 2015 I Bond Rates
Moderator: Global Moderator
November 2015 I Bond Rates
“Let every man divide his money into three parts, and invest a third in land, a third in business and a third let him keep by him in reserve.� ~Talmud
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MachineGhost
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Re: November 2015 I Bond Rates
Wow, may be time to tender in my 0% fixed rate I-Bonds!!!
I feel so rich.
I feel so rich.
"All generous minds have a horror of what are commonly called 'Facts'. They are the brute beasts of the intellectual domain." -- Thomas Hobbes
Disclaimer: I am not a broker, dealer, investment advisor, physician, theologian or prophet. I should not be considered as legally permitted to render such advice!
Disclaimer: I am not a broker, dealer, investment advisor, physician, theologian or prophet. I should not be considered as legally permitted to render such advice!
Re: November 2015 I Bond Rates
so why do we like them? because they don't depend on FDIC, and they are an inflation hedge?
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goodasgold
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Re: November 2015 I Bond Rates
If and when interest rates go up 2-3% or more, as they have in the past and inevitably will again in the uncertain future, you might regret cashing in those I-bonds. For a good reason, Harry Browne recommended placing our cash in a tax-deferred account, and that advice will probably make sense again.MachineGhost wrote: Wow, may be time to tender in my 0% fixed rate I-Bonds!!!
I feel so rich.
And when will this new age of renewed high interest rates dawn? My advice is: ask Mathjak and his magic Ouija board.
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MachineGhost
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Re: November 2015 I Bond Rates
I did mean tender them to roll them into .10%. But I kind of doubt the penalty is worth it for .10%. There's a calculator somewhere to determine it.
EDIT: I forgot about the damn limits!
EDIT: I forgot about the damn limits!
Last edited by MachineGhost on Tue Nov 03, 2015 3:23 pm, edited 1 time in total.
"All generous minds have a horror of what are commonly called 'Facts'. They are the brute beasts of the intellectual domain." -- Thomas Hobbes
Disclaimer: I am not a broker, dealer, investment advisor, physician, theologian or prophet. I should not be considered as legally permitted to render such advice!
Disclaimer: I am not a broker, dealer, investment advisor, physician, theologian or prophet. I should not be considered as legally permitted to render such advice!
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MachineGhost
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Re: November 2015 I Bond Rates
In the past they were paying ridiculously high fixed rates above inflation. And you get a 30-year yield without the 30-year duration risk.ochotona wrote: so why do we like them? because they don't depend on FDIC, and they are an inflation hedge?
They basically set the fixed rate in accordance with TIPS more or less:
Nice chart!
Last edited by MachineGhost on Tue Nov 03, 2015 3:30 pm, edited 1 time in total.
"All generous minds have a horror of what are commonly called 'Facts'. They are the brute beasts of the intellectual domain." -- Thomas Hobbes
Disclaimer: I am not a broker, dealer, investment advisor, physician, theologian or prophet. I should not be considered as legally permitted to render such advice!
Disclaimer: I am not a broker, dealer, investment advisor, physician, theologian or prophet. I should not be considered as legally permitted to render such advice!
Re: November 2015 I Bond Rates
That last chart looks a little funky. Where is the black line? I only see blue, and heavier blue line.
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"you are not disabled by your disabilities but rather, abled by your abilities." -Oscar Pistorius
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MachineGhost
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Re: November 2015 I Bond Rates
It was my impression it was the total investment line.Greg wrote: That last chart looks a little funky. Where is the black line? I only see blue, and heavier blue line.
"All generous minds have a horror of what are commonly called 'Facts'. They are the brute beasts of the intellectual domain." -- Thomas Hobbes
Disclaimer: I am not a broker, dealer, investment advisor, physician, theologian or prophet. I should not be considered as legally permitted to render such advice!
Disclaimer: I am not a broker, dealer, investment advisor, physician, theologian or prophet. I should not be considered as legally permitted to render such advice!