Bonds

In non inflationary times I keep about 25% of my investments in bonds. I pulled my money out of bonds after the returns fell below 5%. My financial goal is to earn at least 7% every year. There is currently a way to do this now. Buy iBonds from Treasury Direct. Your parents will need to set up this account. Why?

iBonds are a savings bond that earn interest combining a fixed rate and an inflation rate. Rate are adjusted in May and November so April and October are good months to buy iBonds.