Treasury I Bonds currently paying 7.12%... might park $10K cash here and another $10K in January. Anyone else doing the same?

cpi is around 7% so the real yield is pretty low on that

also i think these are not fixed rate bonds so even when inflation goes down your coupons will also adjust down

also you should consider what happens to the value of the bond when real rates go up...

7.12% until April, then it will readjust then. I will be taking early payment thus a 3-month penalty. However, that penality is based on the last three months' rate. So come early 2023, if rates have dropped off significantly, not taking much of a loss.

Purchased $7,500 in my GF's name yesterday. Still debating if I will put $10k or $20k in Dec/Jan.

Couldn't make my mind up; assuming a pullback in the market between Q2-Q4 and a rate increase to series I bonds I figure it would be worth it to drop $5,000 in for myself.

Something that has a zero real return is an incredibly useful instrument. Sometimes you just want to lock up cash without losing value.

Exactly. I have three choices, leave it in an HYSA at 0.50%, I Bonds, or Stock Market. If there is a dip, I have cash + 2% borrowing margin to buy with. Additionally, I always plan to keep 5% cash to purchase a house so if the opportunity presents itself.

Ideally, I am moving $5K cash for what I hope is a 5% return in 12 months with enough cash to be opportunistic. Doesn't change the outlook (which is why I was initially debating $0 or $10K) but it's something.

Invest 5k in FG

Pass. D2R got boring like three weeks ago - use for FG right now.

FG is the new Crypto

In 2022 we will pay our gas with fg

The dude missed a great opportunity to turn FG into a coin.