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Don't Use Dividend Stocks As Bonds
- Don't treat dividend stocks as bond substitutes because they don't provide bond-like stability during crashes.
- Use true bond substitutes like savings bonds, CDs, cash, or the TSP G Fund instead.
How To Ensure You Can Buy I Bonds
- Use payroll withholding or estimated tax payments to intentionally overpay the IRS if you need the refund to buy I Bonds.
- You can also use trusts or multiple entities to buy extra I Bonds if desired, but weigh the hassle.
Host's Personal I Bond Purchase
- Dr. Dahle bought I Bonds when yields hit about 7% and opened TreasuryDirect accounts for himself and his wife.
- He plans to allocate I Bonds into his inflation-index bond category and buy more while yields remain attractive.