Is it Time to Buy Bonds?

By Matthew Milner, on Wednesday, May 11, 2022


With the Fed raising rates, we can finally start earning something on our cash:

For example, as of this week, we can earn more than 3% on a 10-year U.S. Treasury.

There’s just one problem, and it’s a doozy.

Today, I’ll explain what it is — and then we can start looking at a solution.

The Doozy

I had sticker shock last week as I did some Mother’s Day shopping.

In the last year or so:

  • The price of champagne has soared 18%.
  • The cost of a dozen roses has jumped 22%.
  • And the bill for a filet mignon dinner is up a whopping 154%.

What’s the problem here? Inflation.

So today, I’ll start showing you how to deal with it…

Before it ruins your savings account, and maybe even your retirement.

Prices Are Skyrocketing

You’ve probably seen the headlines…

America has an inflation problem.

For the 12 months ended March 2022, the annual inflation rate for the U.S. hit 8.5%. That’s the highest since December 1981.

Here are a handful of the increases, according to a recent Forbes report:

  • Meats, poultry, fish, and eggs: 12.5% increase.
  • Fruits and vegetables: 5% increase.
  • Electricity: 6.3% increase.
  • Furniture and bedding: 13.8% increase.
  • Women’s dresses: 8% increase.

Is this normal?

The Secret Retirement-Killer

Historically speaking, prices go up by about 2% to 3% per year.

For example, you can probably remember when going to the movies cost about $5. But today in New York City, a ticket will run you nearly $20.

This is inflation.

But what almost no one talks about is this:

Inflation is the secret retirement-killer.

You see, even with a “low” inflation rate of just 2% to 3%, prices double every couple of decades.

To put this another way, your money will only buy half as much as it used to — and your retirement fund might only last half as long as you’d planned.

A 75% Hit to Your Portfolio

But here’s what’s so scary:

Even with all the rate hikes, the Fed is still having a hard time controlling inflation.

As CNBC reported, the Fed is “wrestling with inflation that has been more aggressive and persistent than they had anticipated.”

And as Forbes reported, “When it will start to subside is still unknown.”

This is a dark omen of what’s to come.

Even with 5% or 6% inflation, instead of doubling every 20 years, the cost of basic goods and services will increase by about 4x. And that means you could be paying 4x more for your rent, your groceries, your travel, etc.

In other words, your retirement nest-egg could be worth just 25% what you thought it would be worth.

Does it help if you can earn 3% on a 10-year Treasury? Well, sure, it helps a little bit. And 3% is a heck of a lot better than the .5% on offer a couple years ago.

But after inflation, you’re still losing 5% of your money every year.

A Way Out of this Mess

This is terrifying.

Imagine that you finally retire…

You’re finally able to spend time with your friends, family, and loved ones....

And all of a sudden, you have to go back to work.

But as Wayne will start to show you tomorrow, there’s a way out of this mess…

It’s a way to protect yourself from inflation — and to save your retirement.

So stay tuned. Wayne will reveal more tomorrow.

Best Regards,



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