---
title: Wealth Management Blog | WrapManager | Inflation
description: Inflation | Helpful tips, tactics and information about investment planning, money manager research, and managing your retirement.
---

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### [Help Protect Your Savings From Inflation Using I Bonds](https://www.letsassemble.com/wealth-management-blog/i-bonds)

 Posted by [ Doug Hutchinson | CFA®, Director of Research and Trading ](https://www.letsassemble.com/wealth-management-blog/author/doug-hutchinson)

June 2, 2022

[![Help Protect Your Savings From Inflation Using I Bonds](https://www.letsassemble.com/hs-fs/hubfs/Charts%20and%20upward%20directed%20arrows%20against%20blue%20%20background.jpeg?width=300&name=Charts%20and%20upward%20directed%20arrows%20against%20blue%20%20background.jpeg) ](https://www.letsassemble.com/wealth-management-blog/i-bonds)

In 1998 the US Treasury introduced Series I Savings Bonds (“I Bonds”) which are savings bonds for individual investors with interest rates linked to inflation. With inflation rates soaring, investors may be looking for options to help protect their portfolio against the ravages of inflation. Here is a quick primer on one compelling option in the fight against inflation: I Bonds. 

 

- How do I Bonds Work? 

I Bonds are bonds issued by the U.S Treasury that earn interest based on a fixed rate and a variable rate that is adjusted twice a year based on changes in the Consumer Price Index for all Urban Consumers (or CPI-U).1 

Current inflation is exceptionally high, so any I Bonds issued between now and October 2022 will earn interest at a 9.62% annual rate for six months.2 Interest is compounded semi-annually and added to the principal value of the bond. For example, if you bought $10,000 worth of I Bonds as of the date of this publication, you’d earn 4.81% (9.62% annual rate divided by 2) over the next six months and your I Bonds would then be worth $10,481 after six months. 

The variable rate component of your I Bonds will then adjust to the new rate that will be announced in October. The variable rate on your I Bonds will also adjust every 6 months after that based on the inflation rate at the time.  

The bonds will earn interest for the next 30 years or until you cash them out, whichever comes first. 

You are not permitted to cash out your I Bonds within 1 year of purchasing them. Also, if you cash them out before holding them for 5 years, you will forfeit the last three months of interest.3 

 

- How do I Buy I Bonds? 

I Bonds can only be purchased through the Treasury Direct website.  They may not be purchased in or moved to a brokerage account, a 401(k), an Individual Retirement Account (IRA), a Roth IRA, etc. 

 You can’t buy more than $10,000 worth of I Bonds electronically per person in a given calendar year.4 

 To purchase I Bonds electronically, you’ll need to set up an account on TreasuryDirect.gov and follow the instructions on the site to purchase your I Bonds. 

[[+] Read More](https://www.letsassemble.com/wealth-management-blog/i-bonds)

[market perspective](https://www.letsassemble.com/wealth-management-blog/topic/market-perspective) [stock market performance](https://www.letsassemble.com/wealth-management-blog/topic/stock-market-performance) [Inflation](https://www.letsassemble.com/wealth-management-blog/topic/inflation) [Market Volatility](https://www.letsassemble.com/wealth-management-blog/topic/market-volatility)

[![JP Morgan Considers Inflation's Next Phase](https://www.letsassemble.com/hs-fs/hubfs/MM_Logo_Images/JP-Morgan-Market-Commentary.png?width=300&name=JP-Morgan-Market-Commentary.png)](https://www.letsassemble.com/wealth-management-blog/jp-morgan-inflation-2017)

### [JP Morgan Considers Inflation's Next Phase](https://www.letsassemble.com/wealth-management-blog/jp-morgan-inflation-2017)

May 18, 2017

 Around the globe, a synchronized upturn in nominal growth is underway, including an upturn in inflation. Global monetary policy is responding in kind. The Federal Reserve (Fed) is increasingly confident that inflation will hit its target rate and has begun accelerating its cautious rate-tightening cycle; the pendulum is gradually swinging toward tightening at other developed market (DM) central banks. The investing community’s perception of inflation risk has swung during the current expansion from fear of an inflationary surge after the Great Recession to fear of global deflation when oil prices collapsed and, since last year, back to a reflation theme, again accompanied by worries that some economies, particularly the U.S., could overshoot their central banks’ targets. By contrast, throughout these periods, inflation itself (at least excluding volatile energy and food prices) has displayed surprising stability. How far will reflation go in the U.S. and other developed market economies? How can we forecast inflation? Read the entire market commentary here. [[+] Read More](https://www.letsassemble.com/wealth-management-blog/jp-morgan-inflation-2017)

[![BlackRock Releases 2Q 2017 Global Investing Outlook](https://www.letsassemble.com/hs-fs/hubfs/MM_Logo_Images/Blackrock%202017%20Outlook.png?width=300&name=Blackrock%202017%20Outlook.png)](https://www.letsassemble.com/wealth-management-blog/blackrock-2q2017-global-investing)

### [BlackRock Releases 2Q 2017 Global Investing Outlook](https://www.letsassemble.com/wealth-management-blog/blackrock-2q2017-global-investing)

April 20, 2017

 Global growth expectations are on the rise, and we see room for more upside surprises... Reflation is going global. The signs include a rebound in inflation expectations, a bottoming out in core inflation and wages, and a synchronized pick-up in economic activity indicators and corporate earnings estimates. Read the key points of BlackRock's analysis below. Or, download the complete commentary (PDF). [[+] Read More](https://www.letsassemble.com/wealth-management-blog/blackrock-2q2017-global-investing)

[![BlackRock 2017 Investing Outlook](http://www.wrapmanager.com/hubfs/MM_Logo_Images/Blackrock%202017%20Outlook.png)](https://www.letsassemble.com/wealth-management-blog/blackrock-2017-investing-outlook)

### [BlackRock 2017 Investing Outlook](https://www.letsassemble.com/wealth-management-blog/blackrock-2017-investing-outlook)

January 2, 2017

 Global growth expectations appear to be picking up after an extended slide... BlackRock expects U.S.-led reflation (rising nominal growth, wages and inflation) to accelerate, and sees fiscal expansion gradually replacing monetary policy as an economic growth and market driver around the world. They discuss these topics, as well as the impact of technological change, the risk of a China credit bubble and the dynamics of investor risk appetite, in their 2017 Investing Outlook. Read the key points of BlackRock's analysis. Or, download the complete commentary (PDF). [[+] Read More](https://www.letsassemble.com/wealth-management-blog/blackrock-2017-investing-outlook)

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