TIPS vs I Bonds: What's Better In 2023 | Treasury-Inflation-Protected Securities (TIPS 2023)

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Treasury-Inflation Protected Securities - is now a good time to consider them as part of your portfolio? Here are the top 5 questions I'll be answering today about I-Bond vs TIPS:
1. Why TIPS (Treasury-Inflation-Protected Securities) might be a better investment than I-Bonds for some folks right now
2. What is real yield to maturity?
3. What is nominal yield to maturity?
4. Why (for others) I-Bonds may still be the inflation-protection winner
5. How to figure out whether I-Bonds or TIPS might work better for you
TITLE: TIPS vs I Bonds: What's Better In 2023 | Treasury-Inflation-Protected Securities (TIPS 2023)
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27 сен 2024

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Комментарии : 109

@DiamondNestEgg Год назад

Thanks for visiting our personal finance channel! We hope this free content will help fast-track your financial journey! Everyone's financial journey is different. Please note that there are questions/ comments which I will not be able to answer without fully understanding your financial, personal & other circumstances. WATCH NEXT ⭐ What Are TIPS | How To Buy TIPS: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-ajwb0buoNzE.html ⭐ I-Bond Interest Formula: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-9hfHoSijJEk.html ⭐ Best CD 2023 | Earn 5% APY (How To Buy): ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-Gd_CQ9QNCDE.html ⭐ Brokered CDs vs T-Bills: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-zhEiyW2N7KE.html

@danielfischer4304 Год назад

Assuming that i-bonds in May will have a close to zero inflation rate, and assuming you don't want to cash out your older than 1 year i-bond that has a 0% fixed rate, wouldn't it be a good idea for you to sell that old 0% fixed rate i-bond after the 3 months it will be earning the close to 0% inflation rate and buy instead a new i-bond that will most probably have a >0% fixed rate (also assuming tax implications are not an issue)?

@deepan1981 Год назад

Hello, I have a query with TreasuryDirect 2 factor authentication. Is it possible to have a 2FA ON treasurydirect website? Could you point me to the YT video you may have made?

@CheapRVliving Год назад

My goodness, you are good at this! I'm 67 so it's an easy choice for me. I should get a big tax return so I have already directed my CPA to spend 10,000 of it on I-Bonds. It's a great choice for me, and I understand it (mostly) because of you. Many thanks!

@TheAzmountaineer Год назад

Don't miss out on the extra $5000 you can invest with a tax return!

@michaelavery3964 Год назад

I've spent so many hours with you, you're basically my best friend now ☺️ (also, I really appreciate your meticulous breakdown of things, complete with charts, and your personal 'take' on things. It's exactly the information I'm looking for)

@daj4740 Год назад

LOL🤣🤣🤣... That's how I feel too! Jennifer is an informative and trusted friend through all of her helpful videos.

@jsilverback3795 Год назад

Something interesting. Treasury Direct does not send you a 1099 (if you have redeemed something). You have to go there to get your tax information. If something happened to me, I am not sure my wife would think to do that. Others may benefit from knowing that problem.

@DiamondNestEgg Год назад

I have a video on this coming out shortly

@Lukionest Год назад

Great analysis. When you post more videos about TIPS, I'd appreciate some info on the strategic differences, advantages, and disadvantages of buying individual TIPS vs. a TIPS fund or ETF.

@seantretiak2959 Год назад

One important difference between iBonds and TIPS that you did not mention is that iBonds use that 6 month look-back on inflation rates. That is why so many of us rushed to buy in that window with a few high readings. At this moment we are in the opposite situation with a few very low readings. I won't be buying iBonds that capture that window - instead I plan to sell my zero fixed rate iBonds unless that window significantly improves (as your other video correctly pointed out is possible) and use the proceeds for other investments including TIPS if the real yield stays high, or even new iBonds with a fixed base rate. Thanks for the amazing content!

@adriennef1770 Год назад

Would you please explain 6 month window you refer to

@RAIDERSJUSTWINBAYB Год назад

What a great video! Very comprehensive and informative! Thank you for this one Jennifer 🙏😊💕

@TVResults Год назад

I like knowing how much I'll be making in interest over a period of time, so it is IBonds for me. I have enough fluctuation in other areas of my portfolio.

@DiamondNestEgg Год назад

Thanks for sharing

@thomaskelly9549 Год назад

Thanks for reassuring me on tips. Although I only have them in a Roth IRA would like to learn more about how to report phantom income if I buy some in a taxable account. Wary of most other bonds I am thinking laddering tips is good for me, better than other bonds (while real yield is high). The disadvantage of I bonds is that after paying taxes you won't come out ahead of inflation when the fixed rare is low.

@merwis1 Год назад

Great video. You answered all my questions about I Bonds vs TIPS. Specifically, your chart on age groups was really helpful. Thanks so much for doing these videos!!!

@BorisLikesBonds Год назад

Thanks for posting this video, Jennifer! Well done! Personally, I'm sticking with I-Bonds, CDs, Bills, Notes, and Bonds. If I want to hedge against inflation then I will invest in companies with pricing power and stickiness that pay ever increasing dividends. Also, corporate bonds on the secondary market that got a haircut recently are also good candidates. No TIPS here. I would still like to hear you go deeper into muni and corporate bonds. There's a lot of good opportunities there, especially for long term super-savers.

@DiamondNestEgg Год назад

Thanks for sharing Boris & noted on the video ideas!

@neilfraser7689 Год назад

I would like to see more TIPS videos to understand them better, including how the principle to adjusted

@Megan-ns8cu Год назад

Another great video, thanks for sharing the Pro and Con on IBond vs TIP.

@k.6160 Год назад

I had a TIPS ETF and it dropped like a rock and I lost money. Forgot, I'll never mess with any kind of TIPS again. It never seems to be an advantage.

@DiamondNestEgg Год назад

Thanks for sharing

@sophiewang123 Год назад

Another great video. Thanks Jen. I read about a theory/strategy recently: Long term TIPS like 30 year TIPS and ETFs tracking long term STRIPS like EDV tend to fluctuate with interest rate due to their long durations, when interest rate goes lower their price increase and vice versa. So a strategy is to buy them when the interest rate peaks (which we will probably see later this year) and sell them when the interest rate drops to realize the capital gains. I think it makes sense but I am concerned about the liquidity of TIPS and the potential big spread between bid and ask when the time comes to sell. I'd love to hear your opinion/comment on this strategy.

@hectorr.corrales221 Год назад

❤ thank you Jennifer for your wonderful ongoing coverage You have become my coach because I believe that you are honest and reputable which is most important for me 👍❗️

@IwasRetired Год назад

Jennifer, thanks for your analysis. I Bonds are in my taxable account and I have some TIPS funds in my tax-deferred accounts. More recently, I've been discouraged by ETFs and Mutual Funds with TIPS and making some selected individual TIPS purchases in my tax-deferred accounts. Have you done a video on buying TIPS vs. an ETF like VTIP? What do we do when VTIP is down so much! Can't hold an ETF to maturity, since it is a collection of bonds bought by others!

@DiamondNestEgg Год назад

Hi Jim. I don't have a video on buying individual TIPS vs an ETF. Will add it to our list - thanks for the idea!

@tknapp Год назад

Excellent info! Thanks for explaining so well! 🙏🏻

@sternof 3 месяца назад

In times of recession, usually the FED lowers the interest rates, which is good for bonds (bonds that were bought when the rates are high). Is there still a worry about not having TIPS as an emergency fund due to the reason "in a recession everybody tries to sell" ? (or any other reason?) won't the FED buy bonds anyhow, as was done in 2023 ? so there will be a demand for them? Thanks, your videos are super!

@wtpwtp Год назад

Wonderful explanations! Very helpful! Thank you!

@crystalwhite4799 Год назад

Thank you very much for all your tips they are very helpful.

@tintran1193 Год назад

I realy appriciate your advice, special how to get the charge for Bond to compair with TIPS. Thanks again

@rodneyrchicago Год назад

Great work and great advice for my daughter starting out on her career wrt emergency savings strategy!

@joelsarchitectureresearch Год назад

Thanks Jennifer. What would happen to bank reserves (our deposits at commercial banks and credit unions) if there's a US debt deafult?

@miltkarr5109 Год назад

I'd like to hear Jennifer chime in....but I would say it would /could lead to a run on the banks. There could be a currency revaluation. Lot of risks but it could be safer than bonds in that scenario. I'd consider having some cash in an fdic insured account and some in a Treasury direct account.

@kwonh4008 Год назад

If the US defaults, FDIC insured banks and NCUA insured credit unions will go insolvent probably before the US Treasury. In case of the US default, it may make sense to try to spread out your risk.

@joelsarchitectureresearch Год назад

That's what I was thinking. I think FDIC has a line of credit in case their fund runs out but I'm pretty sure the line of credit is from the treasury. So whether we keep funds in treasury direct or in a commercial bank probably doesn't make much difference in the event of a default. I guess some physical cash could eliminate counterparty risk, but the dollar may lose value more rapidly in that scenario, right? Or maybe it would gain value since total currency units would have been reduced?

@GiantBlue1963 Год назад

What do you think is the likelihood of default? I can't imagine either party wants to own that hornets nest.

@joelsarchitectureresearch Год назад

@@GiantBlue1963 I would agree with most people and say that it's extraordinarily unlikely. But I just hate being caught unprepared even if something is unlikely, so I'd want to have at least some small form of insurance for a worst case scenario. That's just me though, and honestly if that did happen there's probably way bigger things to worry about than money.

@ea7065 Год назад

Thanks for your videos. Very grateful. Quick question in re: 14:32 of the video. I bought my I-bond in November. When do you start seeing the interest getting credited in the current value field? My "current value" is the same as the purchase price. Am I missing something?

@jamiecamp4014 Год назад

Interest will be credited on March 1 2023 for I-bonds bought Nov 22.

@KatieIndyk Год назад

they account for the 3 months you forfeit if you redeem early in the calculation. Mine were issued in October and just now are showing a months worth of interest.

@DiamondNestEgg Год назад

This I-Bond interest video should provide more clarity if you're interested: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-9hfHoSijJEk.html

@victorresp Год назад

Thanks, can you also make a video on tips mutual funds like VTIP ? THANKS!

@murbanaiy2574 Год назад

Yes please, more TIPS videos

@AkaDoubleG Год назад

I would be curious if you are looking at the upcoming auction in April for the 5 year TIPS on Treasury Direct and if you might make a video about it?

@DiamondNestEgg Год назад

I'll keep watching the situation & if I do end up buying in the upcoming auction or if there's enough interest in the community, I will try to do a video. Thanks.

@AkaDoubleG Год назад

@@DiamondNestEgg It will be interesting if we see the 2 year hit 5% and the 10 year hit 4%.

@hasmukhpatel4739 Год назад

Hi, I have bought I bonds in year 2022, I have confusion with intrest earned, that I have to show in my 2022 it return, or I have to show , when I withraw the amount ? Please guide me. Thank you very much.

@amandaackermann3965 Год назад

You don’t claim the interest as income until you redeem/withdraw the bond/money.

@DiamondNestEgg Год назад

Some I-Bond owners choose to report annually but it's very complicated to do this (most don't per Amanda's reply because you only get your 1099 at redemption/ maturity)

@hasmukhpatel4739 Год назад

@@DiamondNestEgg Thank you for your good guidance to all......

@CarlosLopez-kx6bf 8 месяцев назад

What happens to TIPS i buy now if the interest rates drop? Do they become more valuable?

@RonKrupka Год назад

WRT my 1099 for TIPS, there's an entry(Box 12) for bond premium on treasury obligations; what are its tax ramifications: annual interest, accumulated interest at maturity, or something else? Why is it different from Box 3 interest for TIPS?

@Abraham.Lincoln22 Год назад

WooHoo 🎉👍 I-Bonds

@remington2277 Год назад

I’m a bit confused as to how TIPS at 1.4% are a better hedge against inflation than I-bonds. I bought a number of I- bonds in the early 2000’s . Some of those bonds were paying over 12% in the past year. I’m curious how I would have made out if the same principal amount was invested in TIPS back then.

@AmAFlowProductions Год назад

Always great info Super Duper Saver! 😇

@adriennef1770 Год назад

Exceptional! TY

@nancyallen8497 Год назад

Thank you

@auroragomez1836 Год назад

I have paper Ibonds that need change pod and transfer to electronic. Which do I do first or can I do both at the same time

@theyuha Год назад

How would bonds be in a situation where banks are found to be wanting in funds, a bank run and our dollar is found to not be adequately backed by value. The dollar is being devalued and will be some to fix this problem. it will not collapse though it may create some fear. Will bonds be safe if we take a new digital dollar and if the new dollar is a little less in value than what we have now will bonds be safe? Will we get the difference in loss or will we lost that value too, I"m think it will be around 10% loss when we get the new dollar, hopefully less. I am not concerned of a collapse, I do think it will be taken care of but i have been adding funds to I- Bonds, or is a different instrument on the government website better. i already have some mining stock and silver and gold but also other unrelated companies like TSLA..

@parvind.8824 Год назад

yes more tips videos

@jeffknecht2733 Год назад

Hi Jennifer Can 4 or 8 week T Bills be bought on the secondary market on Schwab online? I can only find 3 month or longer.

@DiamondNestEgg Год назад

Yes. You have to use the search function. Here’s the video on how to do this: How To Buy T-Bills On Schwab | Treasury Bills 2023 (Secondary Market) ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-LraR-9pu5No.html

@jeffknecht2733 Год назад

@@DiamondNestEgg Thanks Jennifer. I bought a 3/14/2023 T Bill at auction yesterday for around 4.51 and after your instruction and link, found a 3-09-2023 paying 4.725 on the secondary market. Would that have a better selection? By the way, some bills have coupon rates, what's that all about? I'm buying shorter terms 4 & 8 weeks until the debt ceiling comes to terms. Fun learning!! Thank you. *You don't get much sleep I take it.

@watermelonlover963 Год назад

Can you share you strategy on S&P500?

@DiamondNestEgg Год назад

We dollar-cost average into the S&P index via our retirement savings

@lazarovaliente5418 Год назад

Español 😢

@sukyleung7579 Год назад

CAN I buy IBond for my grand baby as gifts?

@monarene44 Год назад

Only if the parent has a custodial TreasuryDirect account set up for the child.

@Abraham.Lincoln22 Год назад

@@monarene44 Not true. A buyer can hold them in a gift account to be distributed later.

@DiamondNestEgg Год назад

Hi Suky. This video is for buying I-Bonds as gifts for a spouse, but you can follow the tutorial to purchase a gift for your grand baby in the same manner: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-bSoZJJypSAQ.html Some things to remember: 1. You need your grand baby's SSN (so they need to already be born) 2. Once you've bought the gift, when you want to deliver it (transfer it to your grandchild), your grandchild's parents would need to send up a minor-linked account for your grandchild. Here is the video for the parents on how to do this: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-YlE3Uxoeah4.html If your grandchild's parents don't want to set up a minor-linked account for your grandchild, you would need to deliver/ transfer the gift when your grandchild is 18 and old enough to open their own TreasuryDirect account.

@monarene44 Год назад

@@Abraham.Lincoln22 And how do you think it will get distributed if the parent doesn’t or won’t set up a custodial account?

@guanruwu9371 Год назад

Looking forward to see a video about I bond vs T bills for 2023❤

@allisbookishadventures8260 Год назад

I'm in my early 30s. I have been purchasing i bonds every month since July. I also have some money invested in long term dividend paying stocks I plan on dollar cost averaging my way into. I don't really understand how tips work and don't want to lose money because I don't understand what im getting into.

@DiamondNestEgg Год назад

Thanks for sharing

@fasteddy3336 Год назад

Would’ve loved to have been a fly on the wall, when you and your husband had the discussion on the Tips.😂😂😂😂❤

@dougmanck4149 Год назад

Yes, I laughed out loud. Bad idea, hopefully he learned a lesson.

@shoofly529 Год назад

I liked how her husband said he "might have invested in some TIPS"...As a married man who'se had a discussion or two like that, I can confidentialy state that he's the victim! 😉

@dougmanck4149 Год назад

Have owned a TIPS ETF for the past several years and watched it drop like your graph showed. Not quite the same as owning TIPS directly, but looks like a similar overall result. Definitely prefer I-bonds now that I've learned about them, much simpler.

@DiamondNestEgg Год назад

Thanks for sharing - most TIPS ETFs followed that same pattern in the past few years as the Fed raised rates

@zdog1566 Год назад

What would you recommend for someone in their 30s who isn't retiring soon, but trying to save for a down payment?

@kevinsmith4559 Год назад

“Now that we have these tips, we will be holding on to them to maturity”…cough cough.. bad husband…. I caught that smirk😅

@miket1181 Год назад

Hi Jennifer like to know how ibond taxation works as I already have a 1098 for one interest payment from 2022 do I need to pay that now or save those and collect them all up until I sell the ibond

@DiamondNestEgg Год назад

I'll have something out on this shortly

@GiantBlue1963 Год назад

Perhaps your best video yet. Complicated topic explained very well. The spread on your TIP is why I only buy bonds that I'll hold to maturity.

@jamessherman-gm4gj 10 месяцев назад

If I bought an ibond when the rate was 9.6% and now it's earning 3.6%, should I sell it and rebuy it at the current 5.3%? I love your videos. Your practical info should be offered at the highschool level as an option over shop class.

@DebPesina 6 месяцев назад

Thank you sooo much for your videos and doing an amazing job explaining!! you ARE the best!

@wendyz5966 Год назад

The best thing I like to do recently is refreshing your channel to see if any new video comes! You make all this complicated knowledge so easy to understand even for someone like me who has no financial background and speaks another language. Love your channel!

@terriabbott1374 Год назад

I overpaid in taxes by almost 3500 for 2022 with intention of getting paper Ibonds back. Also opened a Roth IRA 2022 and contributed max amount. I noticed I made just $2000 over the income limit to get any deduction for contributing to an IRA. If I do the extension and overpay by that 2000 would it change that IRA deduction qualification?

@TheChinaPlay Год назад

If memory serves, the regular non-inflation protected securities offered by the Treasury tend to adjust in auction in a way that accounts for current inflation. Similarly the preferential tax treatment of munis end up equaling with other options as investors expect that difference to be covered. The bond market tends to be most efficient since the math is transparent....at least when duration risk is not factor.

@richmurphy8144 Год назад

Great video as usual. Seeing that TIPS come in maturities of 5, 10, and 30 years, would a TIPS fund be a good (better?) vehicle than individual TIPS for a gray-haired person in Group 2? Thanks

@stephenhendricks8247 Год назад

wow! you are the best! your presentation is not only informative but addictive-just watching makes me happy because it's so easy to understand .

@charleswilliams655 Год назад

after the comparison, you mentioned treasury ladders. so, what, how, etc on treas ladders?. thank you Charles

@DiamondNestEgg Год назад

Here's our laddering T-Bills video: ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-__oqvdtLoiE.html

@charleswilliams655 Год назад

Thanks for your response!

@Pleasure_Baron Год назад

DEEP dive please. Thank you.

@jetsamjetsam Год назад

i wish u were my wife

@gabymalembe Год назад

What does your crystal ball say about the May I-bond rate?

@DiamondNestEgg Год назад

May 2023 I-Bond Rate Prediction | When To Buy I-Bonds In 2023 ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-90JAbdDo-sQ.html

@mjt4651 Год назад

Soooo…….I’m with you….short term T bills….waiting for the long end to get above 5%….then lock in 1 & 2 & 5/year bills/ notes

@seantretiak2959 Год назад

It is unlikely that 2+ year bonds will exceed 5% in this cycle - the market would have to project that the Fed's overnight rate would be at those levels several years from now - which is not the most likely future. Consider CDs if holding in a tax deferred account - they are nearly 5% for brokered CDs!

@mjt4651 Год назад

@@seantretiak2959 thanks, however I would prefer to go with T bill or note, just in case Fed pivots…could sell at a premium if rates drop

@seantretiak2959 Год назад

You are 100% correct - the CD option lacks reasonable liquidity. Just wanted to make sure you knew there was a current way to achieve close to 5% for those durations.

@mjt4651 Год назад

@@seantretiak2959 👍 Thanks Sean