Search found 2405 matches

by #Cruncher
Sun Oct 22, 2017 3:44 pm
Forum: Investing - Theory, News & General
Topic: 30 year tips auction-thursday 10/19, yield 0.86%?
Replies: 40
Views: 3646

Re: 30 year tips auction-thursday 10/19, yield 0.86%?

... someone implied that you could meet a 30 year obligation by buying a 30 yr TIPS and this would be a LMP but buying a ten year TIPS and rolling it twice would not be a LMP. I guess that the reasoning here is the reinvestment risk of the Ten means that it is not a LMP. In my previous post I discu...
by #Cruncher
Sun Oct 22, 2017 7:11 am
Forum: Investing - Theory, News & General
Topic: 30 year tips auction-thursday 10/19, yield 0.86%?
Replies: 40
Views: 3646

Re: 30 year tips auction-thursday 10/19, yield 0.86%?

A liability matching portfolio is a fixed income portfolio with duration matching the duration of liabilities. By matching the durations, if interest rates rise, the portfolio value will decline, but the present value of liabilities falls by the same amount , which is why you aren’t taking term ris...
by #Cruncher
Sat Oct 21, 2017 7:36 pm
Forum: Personal Finance (Not Investing)
Topic: 2018 IRS tax information
Replies: 26
Views: 3210

Re: 2018 IRS tax information

... For future years, do you increase the tax bracket thresholds by 3% or so every year for financial planning? No. I use constant (i.e. inflation adjusted) dollars for all financial planning. This works fine for most of the constants used in calculating taxes like the rate brackets and the standar...
by #Cruncher
Sat Oct 21, 2017 1:57 pm
Forum: Investing - Theory, News & General
Topic: 30 year tips auction-thursday 10/19, yield 0.86%?
Replies: 40
Views: 3646

Re: 30 year tips auction-thursday 10/19, yield 0.86%?

I created an all TIPS ladder with one bond for each TIPS issue. ... (This ladder has 31 securities not 30.) Nice graph, Doc; but there are 38 TIPS maturing from 2019 through 2047, not 31. Here they are [1], showing that the interest collected is about 12% of the total. Year Count Principal Interest...
by #Cruncher
Fri Oct 20, 2017 9:29 am
Forum: Personal Finance (Not Investing)
Topic: 2018 IRS tax information
Replies: 26
Views: 3210

Re: 2018 IRS tax information

Thanks for posting, FIREchief. I didn't realize the IRS released this information so early. The linked .pdf file is the format I've found to be most useful. I assume you're referring to the Rev. Proc. 2017-58 PDF file . It has all the new tax brackets. I used it to add 2018 to my Marginal Tax Rate s...
by #Cruncher
Thu Oct 19, 2017 12:07 pm
Forum: Investing - Theory, News & General
Topic: 30 year tips auction-thursday 10/19, yield 0.86%?
Replies: 40
Views: 3646

Re: 30 year tips auction-thursday 10/19, yield 0.86%?

Here is the auction results PDF file showing that the yield came in at 0.908%. Grok, are you buying several times a year. That would be an accounting nightmare in a taxable account. Trusting our brokers to get the OID correct is scary. Tax accounting for a multitude of TIPS in a taxable account woul...
by #Cruncher
Wed Oct 18, 2017 8:56 pm
Forum: Investing - Theory, News & General
Topic: Help me Understand: Guide to Investing Book Chart
Replies: 6
Views: 660

Re: Help me Understand: Guide to Investing Book Chart

For [an] income of $1,000 per year - that is from retirement to your death - you need $21,122 invested at the time of your retirement. Not exactly. Chapter Six, How Much Do You Need to Save? is confusing. Actually table 6.2 says that to spend $1,159 per year you will need $21,122 at retirement. Her...
by #Cruncher
Tue Oct 17, 2017 4:09 pm
Forum: Personal Finance (Not Investing)
Topic: Another Pension Lump Sum Help Needed
Replies: 9
Views: 963

Re: Another Pension Lump Sum Help Needed

Do these calculations assume i take the $138,400 now, invest it then beginning when i am 65 in 20y i start taking $2161/m out? And then the interest rate is the annual return i would need to get through the entire horizon from today age 45 until the ages indicated? Yes. Assume at age 45 you deposit...
by #Cruncher
Tue Oct 17, 2017 12:46 am
Forum: Investing - Help with Personal Investments
Topic: EE/Ibonds & Tax Advantaged Space
Replies: 25
Views: 1551

Re: EE/Ibonds & Tax Advantaged Space

If you have the same marginal tax rate today until you cash them out, the tax advantage of I and EE Bonds is equivalent to interest on interest being tax free. I was not aware of this and, at first, didn't think it was correct. The following little table shows how I would normally compute the after...
by #Cruncher
Tue Oct 17, 2017 12:01 am
Forum: Personal Finance (Not Investing)
Topic: Another Pension Lump Sum Help Needed
Replies: 9
Views: 963

Re: Another Pension Lump Sum Help Needed

Age 45 Pension Lump Sum $138,400 Single Life Annuity at 65: $2161/m no COLA So assuming i live to 82 (expectancy), 90 and 100 what is the return i need to get to self fund equal to the annuity? I came up with rates [~] 5% 5% is pretty close, Falco. An easy way to calculate it is with the Excel IRR ...
by #Cruncher
Sun Oct 15, 2017 9:22 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security - Maximizing a couples benefits
Replies: 35
Views: 2773

Re: Social Security - Maximizing a couples benefits

That means that a higher earner in the couple may wait to file at 70 while the lower earner can claim at full retirement age to maximize their total benefits as a couple. I don't believe one can get a spousal benefit until the other spouse has filed for his own benefits. (See the Aug 2016 thread, S...
by #Cruncher
Sat Oct 14, 2017 12:39 pm
Forum: Investing - Theory, News & General
Topic: IBonds - now or wait? [November 2017 rate]
Replies: 39
Views: 4208

Re: November 2017 - New I bond rate?

Yes, I am aware the fixed rate wont change once you purchase the bond. My reference to rate changes was only in relation to the inflation rate and not the fixed rate. Sorry about that. I was going by your use of the plural "rates" in "If you buy a bond that is issued in October then you ... won't r...
by #Cruncher
Sat Oct 14, 2017 8:41 am
Forum: Investing - Theory, News & General
Topic: IBonds - now or wait? [November 2017 rate]
Replies: 39
Views: 4208

Re: November 2017 - New I bond rate?

[If] you buy a bond that is issued in November, I believe you get the new fixed and semi-annual inflation rates. If you buy a bond that is issued in October then you get the previous rates for 6 months and won't receive the rates that they determine in November until April. The first sentence is co...
by #Cruncher
Fri Oct 13, 2017 4:49 pm
Forum: Investing - Help with Personal Investments
Topic: Risk of Long Term Government Bond Index Fund (VLGSX)
Replies: 12
Views: 848

Re: Risk of Long Term Government Bond Index Fund (VLGSX)

Could someone give an approximation of how much the price of VLGSX would decline in an extreme scenario? Lets say the interest rate on new long term govt bonds rises to 13% within the next 10 years, with it currently at approximately 3%. ... could someone provide a ballpark estimate of the percent ...
by #Cruncher
Thu Oct 12, 2017 9:19 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's long-term outlook for TIPS
Replies: 92
Views: 7022

Re: Vanguard's long-term outlook for TIPS

... Your link is to a Price chart of VIPSX, Doc. It would be better to use a Growth chart like this ... 2) I completely disagree with your second point of price (or rolling returns) vs. growth. Doc, are you aware that Morningstar's "Rolling Returns" chart is based on the values from the Growth char...
by #Cruncher
Thu Oct 12, 2017 2:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's long-term outlook for TIPS
Replies: 92
Views: 7022

Re: Vanguard's long-term outlook for TIPS

Well yes, I was surprised at the performance of TIPS during the financial crisis. My recollection is that they dropped about 10%-11%. ... More like 15%. http://quotes.morningstar.com/chart/fund/chart?t=VIPSX®ion=usa&culture=en_US&dataParams=%7B%22zoomKey%22%3A11%2C%22version%22%3A%22US%22%2C%22s...
by #Cruncher
Tue Oct 10, 2017 2:17 pm
Forum: Investing - Theory, News & General
Topic: Vanguard's long-term outlook for TIPS
Replies: 92
Views: 7022

Re: Vanguard's long-term outlook for TIPS

One benefit of Savings Bonds vs those 30-year TIPS you mentioned is that Savings Bonds ... can be redeemed ... for a guaranteed increase in value, whereas ... TIPS' value is set by the market. This would have been a benefit if real interest rates had risen. But since they have fallen, the non-marke...
by #Cruncher
Sun Oct 08, 2017 7:41 am
Forum: Investing - Theory, News & General
Topic: Vanguard's long-term outlook for TIPS
Replies: 92
Views: 7022

Re: Vanguard's long-term outlook for TIPS

TIPS are less risky than nominal Treasuries of the same duration: specifically, they avoid inflation risk. This is key. If one believes in "taking the risk on the equity side", then TIPS are the logical choice for the bond side of one's portfolio. 100% would be appropriate. I've never understood th...
by #Cruncher
Sat Oct 07, 2017 4:59 pm
Forum: Personal Finance (Not Investing)
Topic: Mortgage Comparison - Present Value?
Replies: 4
Views: 350

Re: Mortgage Comparison - Present Value?

... reasonable ... but also will go over the head of most people. Maybe they'll understand if you explain it this way: With the later closing I can get a loan at 3.75% which results in a $879.92 monthly payment for 30 years: 879.92 = PMT(3.75% / 12, 360, -190000, 0, 0) But if we move the closing to...
by #Cruncher
Thu Oct 05, 2017 9:54 am
Forum: Investing - Theory, News & General
Topic: Peering into the future: tax brackets
Replies: 8
Views: 1060

Re: Peering into the future: tax brackets

It is much simpler to do these estimates using real returns and ignoring inflation. I agree. Just use the 2017 brackets, deductions [1], and exemptions and then project your income in 2017 constant dollars. There is one adjustment I would make, however. The two Social Security "thresholds" are not ...
by #Cruncher
Thu Oct 05, 2017 7:09 am
Forum: Investing - Help with Personal Investments
Topic: Pension Now (Age 36) or Later (Age 65)?
Replies: 45
Views: 3375

Re: Pension Now (Age 36) or Later (Age 65)?

How much would your pension pay per year if you didn't do the buyout or lump sum, and instead just received the normal pension payments starting at age 65? ... If I take it today the payments are $80/month ... At age 65 in 2046 it would be $1,038/month ... The pension at age 65 looks good to me. As...
by #Cruncher
Mon Oct 02, 2017 8:08 am
Forum: Personal Finance (Not Investing)
Topic: Help ex-US based sibling with pension decision
Replies: 3
Views: 405

Re: Help ex-US based sibling with pension decision

3. Take monthly payment at age 60 (in 2035) of $605/month 4. Take monthly payment at age 65 (in 2040) of $636/month I'd ask my sister to check on these figures. One of them is likely incorrect. A 1% per year increase for delaying five years from age 60 to age 65 isn't actuarially reasonable. (By co...
by #Cruncher
Sun Oct 01, 2017 2:18 am
Forum: Personal Finance (Not Investing)
Topic: Tax Strategy for Timing of Early Retirement with Significant Long-Term Capital Gains
Replies: 41
Views: 2881

Re: Tax Strategy for Timing of Early Retirement with Significant Long-Term Capital Gains

(1) Make sure that you really understand how long-term capital gains are taxed. I just explored this recently and it's a bit tricky. It's even trickier when Social Security is considered. With the $40,000 pension and $35,000 SS benefit assumed in the original post, one can have $29,450 of Long Term...
by #Cruncher
Sat Sep 30, 2017 7:52 pm
Forum: Investing - Help with Personal Investments
Topic: Pension: Lumpsum or leave it for retirement
Replies: 13
Views: 1875

Re: Pension: Lumpsum or leave it for retirement

The methodology is to find out what an SPIA annuity at retirement age would cost to provide the equivalent pension. ... Then you see what rate of return, compounded pa from now, would take your lump sum now to that [annuity cost] ... I wouldn't say this is "the" methodology, but it is "a" methodolo...
by #Cruncher
Fri Sep 29, 2017 7:53 pm
Forum: Investing - Theory, News & General
Topic: Consistent Yield & Duration to Help Choose TIPS Fund
Replies: 82
Views: 18921

Re: Consistent Yield & Duration to Help Choose TIPS Fund

I've updated the Yield to Maturity and Duration Calculator with WSJ TIPS Prices 09/29/2017 and the weighting effect of the 5-year auction in August and the 10-year auctions in July & September. As shown in the table below, the weighted average yield of the bonds in the 1+ years broad index is +0.28%...
by #Cruncher
Thu Sep 28, 2017 1:28 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security Question [Social Security Offering Lump Sum]
Replies: 26
Views: 3135

Re: Social Security Question [Social Security Offering Lump Sum]

Age 71 and after you'd get $1,529 more each year after taxes with the higher benefit. ... Don't these calculations assume that the earned income remains a constant? Yes, they did. I didn't realize the original post referred to $60,000 of earned income, rather than just other income. Since "earned" ...
by #Cruncher
Tue Sep 26, 2017 10:08 pm
Forum: Investing - Help with Personal Investments
Topic: Help me evaluate my pension
Replies: 8
Views: 1176

Re: Help me evaluate my pension

E.g., see rows 70-90 on the 'Misc. calcs' tab of Tools and calculators - Personal_finance_toolbox - Bogleheads . To have a $76K/yr payment that lasts 30 years, starting 30 years from now, would take $17,585/yr if your annual return is 5% (see below). Unfortunately, FiveK, the formulas on the spread...
by #Cruncher
Tue Sep 26, 2017 6:31 am
Forum: Personal Finance (Not Investing)
Topic: Social Security Question [Social Security Offering Lump Sum]
Replies: 26
Views: 3135

Re: Social Security Question [Social Security Offering Lump Sum]

I was told that I would break even at around 15 years, but I don't think it is entirely accurate ... $27000 lump sum + (ss payments 3068 x 12) = $64250 [s/b $63,816] for the year, PLUS your earned income of about $60,000. I'm guessing i'd be in the 25% federal bracket, so that 27k will probably be ...
by #Cruncher
Mon Sep 25, 2017 8:33 am
Forum: Personal Finance (Not Investing)
Topic: Is a Roth conversion worthwhile?
Replies: 11
Views: 1293

Re: Is a Roth conversion worthwhile?

... have $1.1 million in taxable Ira accounts. ... I am single. ... I figure I can convert approximately $30,000 a year ... until a 25% rate. Which means I could only convert $150,000 before I reach RMD ... So my question is, is it worth while to convert such a small amount of my IRAs to Roths? As ...
by #Cruncher
Sun Sep 24, 2017 6:56 am
Forum: Investing - Help with Personal Investments
Topic: Are all investments compound interest?
Replies: 50
Views: 3012

Re: Are all investments compound interest?

My question is: does the "rate of return" (9%) compound on the $29k? The reported rate of return refers to the past . It does not automatically apply to the future . In other words, if it is 9% returns every year, is this compound interest? The reported return refers to the overall period, not nece...
by #Cruncher
Sat Sep 23, 2017 9:33 pm
Forum: Investing - Theory, News & General
Topic: Bond Duration education
Replies: 5
Views: 838

Re: Bond Duration education

3. Most of the time, the yield curve is upward sloping so as time passes, a bond's price will tend to increase slightly over time. 4. As a bond approaches maturity, its price will tend to move toward par. For a coupon bond these two trends may pull in opposite directions. Which one predominates dep...
by #Cruncher
Sat Sep 23, 2017 12:38 pm
Forum: Personal Finance (Not Investing)
Topic: The Magic of Savings Rate
Replies: 97
Views: 10896

Re: The Magic of Savings Rate

#Cruncher, You can make it even simpler with the key assumption [in the MMM blog post that expenses in retirement equal expenses while working.] This is the whole point, we are not MMM blog . We do not want to make this kind of assumption. It's rather presumptuous, Klangfool, to say what "We" do no...
by #Cruncher
Fri Sep 22, 2017 11:05 am
Forum: Investing - Help with Personal Investments
Topic: Roth Conversions and taxes
Replies: 36
Views: 3620

Re: Roth Conversions and taxes

When we turn 70: Since we will be in the 25% tax bracket anyway (due to SSA & RMDs), I will consider making annual Roth conversions up to the top of the 25% tax bracket to further reduce future RMDs. Because of the comlicated way SS benefits affect federal income tax (see Taxation of Social Securit...
by #Cruncher
Fri Sep 22, 2017 2:03 am
Forum: Personal Finance (Not Investing)
Topic: The Magic of Savings Rate
Replies: 97
Views: 10896

Re: The Magic of Savings Rate

Why do people choose to over complicate something simple? ... Find out your expense number that you aim for. Pick a number between 25X to 40X depending on the age Y when you want to FI or retire Pick your annual saving. Pick an AA and assume an annual return rate of 5% to 9% Use Excel to calculate ...
by #Cruncher
Wed Sep 20, 2017 8:14 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Conversions and taxes
Replies: 36
Views: 3620

Re: Roth Conversions and taxes

If you and your wife were 70 today ..., your $72,000 of SS ... and your RMDs of $70,000 alone would give you an AGI of $131,200. After subtracting a Married standard deduction and 2 exemptions, your Taxable Income (line 43 of the 1040) is $110,400, which is in the 25% tax bracket already. Taxable i...
by #Cruncher
Wed Sep 20, 2017 12:11 pm
Forum: Investing - Help with Personal Investments
Topic: Roth Conversions and taxes
Replies: 36
Views: 3620

Re: Roth Conversions and taxes

a. If we don’t start significantly reducing our IRAs, our RMDs + social security + other income may eventually put us in the 28% or 33% bracket Unless you or your wife is still working at age 70, I doubt you'd reach the 28% bracket even if you did no Roth conversions between now and then. Based on ...
by #Cruncher
Tue Sep 19, 2017 10:14 pm
Forum: Personal Finance (Not Investing)
Topic: The Magic of Savings Rate
Replies: 97
Views: 10896

Re: The Magic of Savings Rate

So this appears to be MMM [ Mr Money Mustache ] shockingly simple math for early retirement. He has numerous assumptions to come up with this, i.e., 5% return on investments, 4% swr, etc. The key assumption -- the one that makes it so simple (and so elegant) -- is that one will spend in retirement ...
by #Cruncher
Tue Sep 19, 2017 2:16 pm
Forum: Investing - Help with Personal Investments
Topic: Take The Lump Sum or The Immediate Annuity?
Replies: 34
Views: 3197

Re: Take The Lump Sum or The Immediate Annuity?

If I had taken the offered 100% to the survivor annuity ($1479.39 per month), I would have received to date (11/1/98-.9/30/17) $332,863 . How does that compare with present balance plus distributions to date? The Rollover IRA current account balance is $238,647. That amount plus the $258,413 distri...
by #Cruncher
Tue Sep 19, 2017 5:45 am
Forum: Investing - Help with Personal Investments
Topic: Take The Lump Sum or The Immediate Annuity?
Replies: 34
Views: 3197

Re: Take The Lump Sum or The Immediate Annuity?

... lump sum of $197,800 or an immediate annuity for myself of $1,170/mo. ... I'm 65 ... Using my longevity estimator with the SSA 1950 Cohort Life Table , a survival-weighted $1,170 per month represents a 2.2% return on the $197,800 lump sum for a 65-year old man. I consider this adequate only if ...
by #Cruncher
Mon Sep 18, 2017 9:21 am
Forum: Investing - Theory, News & General
Topic: Can a TIPS ladder 'fail' ?
Replies: 101
Views: 9076

Re: Can a TIPS ladder 'fail' ?

Given the quote from the NY Fed I referenced above I don't think the coupon can ever be reduced below the original amount either. The coupon percent never changes. But I think, Doc, you mean more than this: that the interest payment can never be less than the coupon applied against the face amount....
by #Cruncher
Fri Sep 15, 2017 8:27 pm
Forum: Investing - Help with Personal Investments
Topic: Which Bond Fund Will Perform Best With Rising Rates?
Replies: 27
Views: 3190

Re: Which Bond Fund Will Perform Best With Rising Rates?

... from the point of view of someone who has already bought the bond fund ... as interest rates rise their income neither increases nor decreases, but over time as the bonds in the fund are replaced by higher-interest bonds their income gradually increases. If we grant that "income" is more than j...
by #Cruncher
Thu Sep 14, 2017 8:41 am
Forum: Investing - Help with Personal Investments
Topic: Which Bond Fund Will Perform Best With Rising Rates?
Replies: 27
Views: 3190

Re: Which Bond Fund Will Perform Best With Rising Rates?

(... In a fund, of course, you have to wait for the older, lower-interest-rate bonds to be replaced by newer, higher-interest-rate bonds.) This is a common misconception. Once yields rise, existing bonds will immediately be yielding the higher rate. It's not necessary to wait for them to be replace...
by #Cruncher
Thu Sep 14, 2017 6:35 am
Forum: Investing - Help with Personal Investments
Topic: Which Bond Fund Will Perform Best With Rising Rates?
Replies: 27
Views: 3190

Re: Which Bond Fund Will Perform Best With Rising Rates?

I guess the fund with the lowest duration and the highest percentage of corporate bonds will outperform the others, at first . Then it will underperform. (underline added) Yes, after a one time uniform rise in the yield curve, the shortest duration bond (and bond fund) will likely do best at first....
by #Cruncher
Wed Sep 13, 2017 3:58 pm
Forum: Investing - Help with Personal Investments
Topic: Which Bond Fund Will Perform Best With Rising Rates?
Replies: 27
Views: 3190

Re: Which Bond Fund Will Perform Best With Rising Rates?

... In the big picture, all bond funds will perform better if rates increase. Yes, in the long term and if the interest rate increase is gradual. It's true even if the interest rate increase is not gradual. The best case is if the increase is quick; the worst case is if it is delayed; and the gradu...
by #Cruncher
Wed Sep 13, 2017 9:47 am
Forum: Personal Finance (Not Investing)
Topic: Changing from Survivor Benefits to Own Benefits at age 70
Replies: 4
Views: 671

Re: Changing from Survivor Benefits to Own Benefits at age 70

Our issue has to do with the actual numbers we are working with. I'll repeat the question from my first post: "Have you calculated the tax both ways?" We are working hard to insure that our income levels will remain just below the 46.25% marginal rate. ... A portion of our income at age 70 will be ...
by #Cruncher
Tue Sep 12, 2017 8:50 pm
Forum: Personal Finance (Not Investing)
Topic: Changing from Survivor Benefits to Own Benefits at age 70
Replies: 4
Views: 671

Re: Changing from Survivor Benefits to Own Benefits at age 70

... 2018 would be $31,000 ... and 2019 ... would be $36,000. BUT, that is not the way I understand what they said. ... 2018 will also be $24,000 ... Then 2019 will be $43,000 ... the added SSA-1099 income for 2019 could cause some unwanted tax problems. What tax problems, PapaGeek? Have you calcula...
by #Cruncher
Sun Sep 10, 2017 1:26 pm
Forum: Investing - Help with Personal Investments
Topic: Do I-bonds (vs TIPS) make any long term sense in taxable space?
Replies: 9
Views: 888

Re: Do I-bonds (vs TIPS) make any long term sense in taxable space?

Scenario 1: ... After 30 years, the Ibond is worth 18113.62 and taxes @ 20%= 3622.72. After tax value =14490.89 When an I Bond matures one pays tax only on the gain , not on the total value. Therefore, given your assumptions, kiddoc, the breakeven inflation rate is 3.8616% as shown in the middle co...
by #Cruncher
Sat Sep 09, 2017 10:11 pm
Forum: Personal Finance (Not Investing)
Topic: Social Security bend points/early retirement estimates
Replies: 17
Views: 2766

Re: Social Security bend points/early retirement estimates

... your bend points are not applied yearly . ... at age 60 your Adjusted Indexed Monthly Earnings (AIME) are calculated from your 35 highest wage index adjusted SS earning years. ... your Primary Insurance Amount (PIA) can be calculated from your AIME and the appropriate bend points. This is when ...
by #Cruncher
Fri Sep 08, 2017 10:45 am
Forum: Investing - Theory, News & General
Topic: Michael Kitces 4% rule podcast on Madfientist
Replies: 355
Views: 36257

Re: Michael Kitces 4% rule podcast on Madfientist

There is a reason not too many retire at age 35. Even if we assume you can predict your expenses including healthcare for that long, it'll be interesting to see how the numbers will work. The following table gives an idea how hard it would be for a worker to retire at age 35. Assuming he starts at ...
by #Cruncher
Tue Sep 05, 2017 1:06 pm
Forum: Investing - Theory, News & General
Topic: IBonds - now or wait? [November 2017 rate]
Replies: 39
Views: 4208

Re: IBonds - now or wait?

You can get CPI info in October which determines the 6-month variable part and can help you make the decision whether to buy before November or wait. Every six months a thread like this one appears where the original poster asks if he should buy I Bonds before or after the next six-month rate chang...