This TIPS was issued on 1/31/2013. It has accumulated annual inflation-adjustments since then. TIPS pay all inflation-adjustments at maturity only.
Contact: Office of Financing 202-504-3550
DESCRIPTION: A-2023
CUSIP NUMBER: 912828UH1
DATED DATE: January 15, 2013
ORIGINAL ISSUE DATE: January 31, 2013
ADDITIONAL ISSUE DATE: March 28, 2013
May 31, 2013
MATURITY DATE: January 15, 2023
https://www.treasurydirect.gov/instit/annceresult/tipscpi/2014/tipscpi_912828uh1_092014.htm

I've not purchased any Treasury instruments through Schwab, and today I was looking at this:

US Treasury TIP 0.125% 01/15/2023
Detailed Info
Maturity: January 15, 2023 (4 months and 14 days from today)
Quoted Price: $98.630
Yield to Maturity YTM: 4.028%
Coupon Rate 0.125%
Coupon Frequency Semi-annually
Order Summary
Buy $100,000 CUSIP 912828UH1 @ 98.630 Limit, Fill or Kill
Settlement Date: 09/06/2022
Market Price: $98,630.00
Estimated Markup: $0.00
Principal Amount: $98,630.00
Accrued Interest: $23.11
Estimated Total Cost: $126,634.44

I don't understand how or why the Estimated Total Cost is $126,634.44. I'm sure that some of you who are eperienced in this sort of thing will be able to help on this.
Thanks- OJ

Wow so true
mind boggling
Thank you for sharing thoughtful insights
Mothers portfolio loss ~13% and it's devastating/extremly sad to see since both mom and dad live on fixed incomes + govt subsidized / 401k -rmd quaterly distributions.
My heart almost stopped several times seeing Feds smashing low rates while trying to destroy equities demands to tame inflation.
I was extremely careful manage their monies past 2 _3 yrs but sometimes you can never predicted future events, like Buying $BBBY Bonds was a great deal 4 5 yrs ago at bbb rated and good returns 5.5% yrs...now it's on risks of default. Lucky mama only have about 5k in those bonds
Market maybe turning around soon, we all hope... Leg down maybe ceasing at sp500~3895 but nobody know>

As investors, our investing capacity is constrained by our income and what income is left over at the end of the month (cost of living) to invest.
Recent Study:

a collaboration
between Transamerica Center for Retirement Studies and
Transamerica Institute, examines the retirement outlook of
Generation Z, Millennials, Generation X, and Baby Boomers. It
focuses on the experiences of employed workers of for-profit
companies and the impacts of the pandemic on their health,
employment, financial well-being, and their ability to save and
invest for retirement. The report is based on findings from the
21st Annual Transamerica Retirement Survey, one of the largest
and longest running surveys of its kind. The survey was
conducted in late 2020 when COVID-19 cases were surging, and
many businesses were shuttered or operating at limited capacity
because of the pandemic.

retirement-survey-of-workers-four-generations-living-in-a-pandemic

https://www.cnbc.com/2022/09/01/jobless-claims-total-232000-the-lowest-level-in-two-months.html
Job not bad but still leg down.. Guess bear market bad news are worst news and good news are bad news
Get assigned puts #AMD likely tomorrow Will leap covercall

Not aimed at anyone. Just thinking a lot of folks appear never to have experienced a market correction of 10-15% or a bear market of 20-40% peak to trough in the major averages. Been at least a dozen in my lifetime. 07-09 was the worst. Some indexes and funds fell more than 50% over about a 2 year period. By contrast, the S&P was only down 17% YTD as of yesterday. Since ‘21 was a pretty good year, that 17% is probably not far from where the market topped out.
Doing nothing works if you have a long enough time horizon. Folks working and averaging in haven’t the time some of us do to fret. At 35 I could have cared less what the market did. Slowly raising one’s risk exposure over months or years as the fall continues should also work. One caveat: If one was greedy and running a high risk portfolio before the market fall commenced, there’s not a lot of room left to increase risk level further.
They say don’t invest money in the markets that you will need within 5 or 10 years (opinions on that differ). Mr. Geroux aims to break even within 3 years in his PRWCX - though there are no guarantees. We shall see.

For stable-value funds in workplace 401k/403b,
TIAA Traditional (September rates; no change from August)
Restricted RC 5.75%, RA 5.50%
Flexible RCP 5.00%, SRA 4.75%, Newer IRA 2.80%
https://ybbpersonalfinance.proboards.com/thread/142/tiaa-traditional-rates-monthly?page=2&scrollTo=762
Fed TSP G Fund 2.875% (still showing August rate)
https://www.tspfolio.com/tspgfundinterestrate
@Old_Joe, Treasury Direct does allow trust registrations.

For the week ending on 8/31/22, Bearish remained the top sentiment (50.4%; very high) & bullish remained the bottom sentiment (21.9%; very low); neutral remained the middle sentiment (27.7%; below average); Bull-Bear Spread was -28.5% (very low). Investor concerns: Recession; inflation; supply-chain disruptions; the Fed; market volatility (VIX, VXN, MOVE); Russia-Ukraine war (27+ weeks); geopolitical. For the Survey week (Thursday-Wednesday), stocks were down sharply, bonds down, oil down sharply, gold down, dollar flat. #AAII #Sentiment #Markets
https://ybbpersonalfinance.proboards.com/thread/141/aaii-sentiment-survey-weekly?page=7&scrollTo=764

And looky-here! On a stinky smelly day like today, with everything in the red, guess what turned UPWARD in today's trading, on 31st Aug, '22? Yes, you guessed it: BHB. Bar Harbor Bank. God bless Bar Harbor Bank. Monthly div. comes overnight from TUHYX, for what it's worth.
https://www.google.com/search?q=lyrics+when+the+ship+comes+in+dylan&rlz=1C5CHFA_enUS1007US1007&oq=lyrics+when+the+ship+&ie=UTF-8

More than anything, this vaccination fiasco makes me wonder if CCP is getting desperate in trying to maintain control or do we not know all the facts. It is only a $30B cost to vaccinate the whole population, a cost not worth mentioning. So, what are we missing? If this is a sign of CCP desperation, then macro negatives to the rest of us to follow? Something is going on below the surface the average Joe like us are not in the know.

Yup. Or maybe it's as plain as the nose on your face. We are witnessing Communist retrenchment. A new Cold War, after globalization stopped serving the needs of capitalism. Cuba somehow remains socialist. Could it actually be said Cuba is communist anymore? Educated population, so I hear. Anyhow, the mainland Chinese: there's a country falling backward in time. and uncle Poot-breath? A pox on him. Trying to resurrect the past, the old Soviet glory days. But they were always second-rate. Such a literary and musical heritage, though! My favorite opera divas are Russians. (At least Netrebko originally came from Russia. She's an Austrian citizen now.)
And on Christmas Day, 2018, I flew over frozen Siberia and Manchuria. How things have changed!

https://www.cnbc.com/2022/09/01/asia-markets-china-caixin-manufacturing-pmi-south-korea-gdp-stocks.html
Mostly red
Most indexes are at 50ma and critical levels, hope may get bounce tomorrow and reverse but only time will tell. Breadth of market also lost momentum, maybe much more pains / blood baths ahead

Thank you Sirs Mr Catch and Mr Sven
I think I am doing good mentality and physically.
We did have a 6% of double dip when sp500 reached 200 days ma last wk before Jackson Hole meeting. One week and it's night and day differences.
I Only traded 5% of portfolio so it's ok take little loss but difficult see losses and almost impossible beat indexes.
Bulk of portfolio in long term positions w bonds and sp500, indexes, small caps, vang2055, mid caps; think I have little bit hedging/buffer help from bonds so portfolio did not nosedive.
I read somewhere that some firm did background research and found those did so well long terms (I think) over 10 15 yrs were investors that either deceased or forgot they had an account. So active sometimes not as good as passive....
Maybe time to let boat sail by themselves down river/ oceans.
Papa loves Bee Gees so do I.

+1

The date is not of particular significance for most (unless a birthday, anniversary of some sort or other) and not so much for me either; except that we started Traditional IRA accounts with a paper check, about 44 years ago. We decided to have a lunch trip in the metro Detroit area of Southfield, Michigan; after stopping at the Fidelity office there and presenting paper checks for that years (1978) deposits. We continued to add over the years, eventually having access to 401's and Roth's.
The above is not really of much value for those reading; except the time value of compounding one's investment monies.
Compounding value, of course; depends upon one's choices driving along the investment highway. Perhaps a full limitation of performance depends upon learning experience (meaning knowledge), perhaps an arse kicking loss here and there; which hopefully helps form a solid thinking base going forward.
Today. A bit wiser for investing. The investments over the years could be worth a lot more today; but also worth a lot less; OR ZERO, if the investments were never made.
A benchmark of FBALX provides a personal performance view for us. We remain at this time, a percent point from its weekly performance, as has been the case for this year. We were at a -13.32% TYD, last week. 'Course, using this percentage causes one to look at that in dollar terms, too. Yikes, that's a lot of money to the down side for this year, so far.
But, the main point is that if we had never invested in the first place; well, there wouldn't exist the money to ponder. Only a paper loss at this time. No sells.
We still do take the time to prod folks into start investing in a retirement account. Whatever amount, start slow, try to set aside some time to learn. You have other skills, and you can learn this, too. Don't do crazy things will this money unless you have a full understanding of the circumstances. Be careful with the emotional side; as this can eat away at your clear thinking. Time compounding is your friend.
I had a conversation a few months ago that has taken place for 30 years. She....."I need to talk to you sometime about investing some of my money". 360 months of compounding gone.
Anyway, we investors exist in a very strange world of terms, strange words and investments with a length and variety of capital letters. Add almost every possible variable that may affect an investment, day or night; and we are indeed sometimes a "Stranger in a Strange Land".
I've jabbered enough.
Remain curious and be well.
Catch

Might as well go to sleep and not touch/bother/click/check investment accounts for 12 24 months

Just bought 1-year CDs at 3.15%. Expect interest rates to go up and may purchase additional CDs in the future.
As a retiree, I am currently in a capital preservation mode until I get a better sense of how far the Fed will go, and how the market reacts to the anticipated rate hikes down the road. At this time, I am in no hurry to put money into bond or stock funds. At my age, I prefer to err on the side of caution.
Good luck,
Fred

If you stagger 4 1-yr CDs, 3 months apart, you should able to do okay. There are more new issues available today.
Treasury offers few more basis points than CDs on comparable duration if you want to look at this option as well.

+1. PLUG has been mentioned to me in here.

With all the geopolitical turmoil surrounding lithium sourcing, hydrogen fuel cell technologies are pretty interesting here.

"I believe 6-12 months CDs are reasonable as one can build CD ladders."
Yes, that's what I'm doing at this point. 3.15%/1 year isn't great, but it's better than nothing.