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Can I purchase these through Vanguard or must I purchase them from the government treasury web site? I would like to use retirement (401k, Roth, Conventional IRA) money to purchase some of these and hold them in my tax free/deferred accounts too. My current treasury account is NOT a retirement account, so would I need to open a separate account for this?

Also if I'm expecting high inflation should I eschew bond funds and concentrate on directly holding high-yield bonds (after the interest rates rise)?
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Jim2B asked:

"Can I purchase these through Vanguard or must I purchase them from the government treasury web site? I would like to use retirement (401k, Roth, Conventional IRA) money to purchase some of these and hold them in my tax free/deferred accounts too. My current treasury account is NOT a retirement account, so would I need to open a separate account for this?

Also if I'm expecting high inflation should I eschew bond funds and concentrate on directly holding high-yield bonds (after the interest rates rise)?"


AFAIK you cannot buy I Bonds through Vanguard. Other stuff, yes. Also, AFAIK Treasury Direct will not take tax-deferred accounts such as IRAs.

To hedge against unexpected inflation, you might consider Treasury Inflation Protected Securities, which you can buy through Vanguard or Treasury Direct ... AND ... in your tax deferred account.

-drip
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...Treasury Inflation Protected Securities..

Ask if you don't know why a TIPS mutual fund investment is much different that owning individual TIPS bonds.

Because of the way TIPS are taxed, it is sometimes recommended to hold them in a Roth account if possible.

Greg
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