ALERT: Last Chance To Lock In Guaranteed I-Bond 9.62% Return (Expires Oct 28)

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Right now, I-bonds are offering an extremely attractive risk free return, especially given the current high rate of inflation – it’s possible we may never see one this generous again.

How generous? If you buy an I-bond today, you’ll lock in a guaranteed annualized rate of return of 9.62% on your money for the next 6 months.

That’s more than 2x the return that standard T-bills are currently paying, and it comes with the same security guarantee that

you’ll get 100% of your principal back, along with the interest you earned.

But time is running out to lock in this 9.62% rate. To do so, you need to buy your i-bonds before this coming Friday, October 28th.

If you don’t, the interest rate i-bonds offer resets on November 1 and you’ll only be able to get the new rate after that – which we know now is highly likely to be lower, currently estimated to be 6.48%.

Now that’s still not too bad, but it’s ⅓ less than 9.62%.

So if you’ve watched my earlier videos on i-bonds like this one explaining how they work and how to buy them using the US Treasury’s TreasuryDirect.gov website – or this one explaining how to use the Treasury’s little known “gift box” to multiply the amount of money you can put into i-bonds at today’s 9.62% rate – if you’ve watched those but still haven’t yet bought any for the 2022 calendar year, consider dropping everything and go buy them RIGHT NOW.

And if you haven’t watched those, you should go do so right after this video ends.

As for the rest of this video, I’m just going to provide a few quick clarifications to questions that have come in over the past few weeks about i-bonds.

10x Your I-Bond Returns (Or More) Using This Little Understood Strategy

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Here with a short – and I think pretty interesting – follow up to the explainer video I released back in July on Series I Savings Bonds, otherwise known as I-bonds.

If you haven’t watched that video, I’ll put up the link to it here & again at the end of this video. It explains what I-bonds are and how they work.

But I’m releasing this new video because I-bonds continue to be one of the best deals out there

right now.

They come with all of the security and return-of-principal guarantees of a standard Treasury bill, except they currently yield nearly 3x the income. Right now I-bonds are paying interest at a phenomenal rate of 9.62%.

A risk-free return of 9.62% – who wouldn’t want that? Especially in today’s uncertain markets with reported inflation stubbornly persisting above 8%?

I think just about all of us would. And in most cases, we should take advantage of this. I certainly have been this year.

Though I should specify here up front that only those with a US Social Security number can buy I-bonds. Sorry international folks – if you don’t have one, you can’t take advantage of what I’m about to share here.

Of course, the rub with I-bonds is that the government limits us to buying only $10,000 worth of them, per person, in any given year.

So, if you have a lot of cash to protect from inflation, I-bonds are generally dismissed – they’re viewed as a nice but too small & insufficient shield because folks fixate on the $10,000 limit.

I think thinking this way is a mistake here in September of 2022, because there’s a strategy that today – right now – will allow you to invest more than 10x that.

I-Bonds For Inflation Protection: Why Own Them, How They Work, How To Buy Them, Pros & Cons

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Series I Savings Bonds, also known as I-bonds, are offered by the US Treasury as a way to protect the purchasing power of your money from being eroded by inflation.

This is

protection many investors want badly right now, as inflation has roared back to life over the past year and a half. After decades most spent under 2%, as of the time of this recording, the official Consumer Price Index, or CPI, is currently at a 41-year high of 8.6% annualized:

The way that I-bonds defend against this is they earn a monthly interest rate that’s usually higher than the CPI. So their return beats or comes quite close to the officially-reported inflation rate.

In this video, we explain what I-bonds are, how they work, what their benefits are & how to buy them.