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Post by Deleted on Feb 26, 2022 14:05:26 GMT
I know there are many new US Savings Bonds investors. They are currently my largest holding, I've been buying since the early 1990's and it's been important for me to track their performance and the effect on my portfolio.
I use Morningstar Portfolio Manager and this is my "hack" to make it work. In Portfolio Manager, enter the current value of your Saving Bonds as a new Cash holding. At the beginning of every month, log into your Treasury Direct account or use the Savings Bond Calculator for paper bonds from the same site, enter the increased value through M* Portfolio Manager "Modify > Edit" function as "Reinvested Interest". When you use the Performance Tab, click on the "Include Cash" box and voila, a line appears under holdings with your Saving Bonds performance presented just like any OEF bond fund.
I've been doing this for over 10 years. FWIW, the performance of my collection of both old EE Bonds and newer I-Bonds, which account for 22% of my long term porfolio is as follows:
YTD: 0.72%
1 Year: 4.54%
3 Years: 4.48%
5 Years: 4.36%
10 Years: 3.36%
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Post by FD1000 on Feb 26, 2022 20:33:02 GMT
Two important issues with these bonds.
1) Very low purchase amounts. Suppose I want to invest $500K now
2) Many like to get paid monthly income. I-Bonds don't pay interest, and definitely not a monthly. You have to wait until you cash them.
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Post by Deleted on Sept 18, 2022 23:37:17 GMT
Is anyone planning on 2023 purchases? I know we won't have the rate until November and understand if not a firm choice yet. Just interested in considerations being taken into account. Very happy I have bought the last two years as part of an emergency fund.
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Post by roi2020 on Sept 18, 2022 23:54:31 GMT
Is anyone planning on 2023 purchases? I know we won't have the rate until November and understand if not a firm choice yet. Just interested in considerations being taken into account. Very happy I have bought the last two years as part of an emergency fund.
I will most likely purchase the maximum allowable amount of these bonds in 2023.
My I bonds are held in lieu of cash. |
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Post by yogibearbull on Sept 18, 2022 23:58:33 GMT
I bought I-Bonds in 2021, 2022 and have been buying 5-yr TIPS in addition (as the next best now to I-Bonds). New I-Bond rates will be on November 1 and they have to continue to remain high for me to keep doing this in 2023; else, I may have enough  . CPI ($$CPI at Stockcharts) tracks I-Bonds (also TIPS). TIPS funds are also shown. LINK |
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Post by roi2020 on Sept 19, 2022 0:09:55 GMT
"The August report is the fifth in a six-month series that will set the I Bond’s new variable rate, which will begin rolling out November 1 for all I Bonds.
As of August, inflation has run at a rate of 3.01%, which would translate to an I Bond variable rate of 6.02%, lower than the current rate of 9.62%.
However, one month remains. Oil prices seem to have stabilized this month, so it’s possible we will see a higher number."
Link
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Post by richardsok on Sept 19, 2022 3:46:27 GMT
Is anyone planning on 2023 purchases? I know we won't have the rate until November and understand if not a firm choice yet. Just interested in considerations being taken into account. Very happy I have bought the last two years as part of an emergency fund. I am automatically on track to add the max allowable I-Bonds in early January. |
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Post by racqueteer on Sept 19, 2022 9:54:14 GMT
Is anyone planning on 2023 purchases? I know we won't have the rate until November and understand if not a firm choice yet. Just interested in considerations being taken into account. Very happy I have bought the last two years as part of an emergency fund. It's certainly under consideration. Data dependent... 8^b |
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Post by Deleted on Sept 19, 2022 10:16:27 GMT
Many thanks to all. Will check back in November.
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Post by mozart522 on Sept 19, 2022 12:51:33 GMT
racqueteer, @slooow, richardsok, First, If you haven't bought your limit yet, you have until the end of October to lock in 9+% for the next 6 months. The November rate will very likely be about 6%. you can lock that in all the way to the end of March and get 6% until September 0f 23. So those who haven't gone all in or have spouses who haven't can lock in six months of 9% and then 6 months of 6% for the next year.
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Post by Deleted on Sept 19, 2022 13:07:41 GMT
YBB - would you be a buyer at 6%? I think I might if I think the actual inflation rate less. But, the rates will likely catch up next year, so if the base rate is still 0 and you have penalties depending on when you take it out after the mandatory year, I don't know if it would make sense.
I think 6% is a pretty good estimate.
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Post by Majick on Sept 19, 2022 16:22:59 GMT
FWIW... Jennifer covers from basic to more details on I-Bonds, T-bills, and How to DIY with follow-up and her suggestions. Frequently updated Free Videos(13 Minutes). Thanks. Majick www.youtube.com/watch?v=OjjVcl7hQEw |
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Post by yogibearbull on Sept 25, 2022 2:11:40 GMT
@slooow, of the 6 months needed for November 1, 2022 I-Bond variable rate calculation, 5 months are already in and the data for the 6th month should be in by mid-October (official Treasury announcement may be only on Tuesday, 11/1/22). The guesses are now around 6% variable rate. I am guessing that the fixed/base rate may go to some positive value too, say, +0.5% or even +1%. If so, I may find this combo attractive for purchase in January 2023. FRED 5-yr & 10-yr TIPS Yields, fred.stlouisfed.org/graph/?g=U6Hl |
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Post by yogibearbull on Oct 10, 2022 2:41:58 GMT
#IBonds 11/1/22 Rate Est Twitter LINK09/2021 #CPI 274.201 09/2022 CPI est +8.1% yoy est, so 296.4253 est 03/2022 CPI 287.708 Mar-Sep est 1.0303, or 3.03% New fixed rate 0-1.5% New I-Bond Rate 6.06-7.61%
Update 10/13/22 #Treasury announcement 11/1/22 Current 9.62% for 6 mo until 10/31/22
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