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Richard Weiner
Financial Advisor
Tropical Financial Investment and Insurance Services
Located at Tropical Financial Credit Union
3050 Corporate Way
Miramar, FL 33025
Phone: 954-517-7738
Cell: 954-401-9548
Email: richard.weiner@lpl.com
With fixed-income investment rates seeming to be holding higher, many investors are taking a second look at bond investments with a wary eye on inflation. If you’re one of those investors, Treasury Inflation Protected Securities (TIPS) and I bonds offer inflation protection and currently attractive returns. Both are government-backed investments with interest rates that are periodically adjusted for inflation.
You can buy TIPS with maturities of five, ten, and 30 years. They’re considered a low-risk investment because the U.S. government backs them. At maturity, TIPS return the adjusted or the original principal, whichever is greater. They’re available directly from the government through the Treasury Direct system in $100 increments with a minimum investment of $100. You can also buy TIPS from your financial professional.
I bonds are considered lower risk investments because they’re backed by the full faith and credit of the U.S. government, and their redemption value cannot decline. But this safety generally comes with a lower return than corporate or municipal bonds.
Annual purchases of eletronic bonds are limited to $10,000 per Social Security number. Bonds can be held for as little as one year or as long as 30 years, but if sold after fewer than five years, the holder sacrifices the last three months’ interest.
It is important that you understand how I bonds work. For example they have the annual $15,000 investment ceiling, withdrawal restrictions and pay interest upon redemption.
Your financial professional can tell you more about these investments and whether they could play a part in your portfolio.
*Investors should read the prospectus and consider the investment objectives, risks, charges, and expenses of the fund before investing.
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Richard Weiner is a financial advisor with, and securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Tropical Financial Credit Union and Tropical Financial Investment and Insurance Services are not registered as a broker/dealer or investment advisor. Registered representatives of LPL offer products and services using Tropical Financial Investment and Insurance Services, and may also be employees of Tropical Financial Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from and not affiliates of, Tropical Financial Credit Union or Tropical Financial Investment and Insurance Services. Securities and insurance offered through LPL or its affiliates are:
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