Ask HN: How do you hedge against inflation?

Re:Ask HN: How do you hedge against inflation? by davidito on Tuesday April 12, 2022 @11:34AM (#31004085)

An individual can buy up to $10,000 in Series I bonds from the U.S. Treasury a year. Their current ARR is 7.12%. That rate expires at the end of the month (April 2022).

https://www.treasurydirect.gov/indiv/research/indepth/ibonds...

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Re:Ask HN: How do you hedge against inflation? by loeg on Wednesday April 13, 2022 @01:18AM (#31011436)

Actually, $15,000/year -- you can buy an additional $5,000 in paper I-bonds with your federal tax refund, and you can arbitrarily overfund your tax payment to be sure to have $5,000 in refund. The paper bonds can be exchanged for electronic I-bonds through a somewhat annoying process.

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Re:Ask HN: How do you hedge against inflation? by HWR_14 on Tuesday April 12, 2022 @05:43PM (#31008588)

Do you know what % of that is fixed vs. the inflation adjusted rate? Also, I was confused by how often the inflation rate adjusts the interest rate.

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Re:Ask HN: How do you hedge against inflation? by loeg on Wednesday April 13, 2022 @01:23AM (#31011459)

The fixed rate is 0.00% -- it's all inflation rate. Inflation rate is adjusted every six months.

Here are past fixed rates going back to 1998: https://www.treasurydirect.gov/indiv/research/indepth/ibonds... It hasn't been much above 0% since 2008.

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Re:Ask HN: How do you hedge against inflation? by gdfgjhs on Wednesday April 13, 2022 @11:20AM (#31015720)

Do you really need to buy these bonds with payroll deduction?

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Re:Ask HN: How do you hedge against inflation? by loeg on Wednesday April 13, 2022 @11:39PM (#31023180)

No.

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