IRA Financial Blog

I Bonds & T-Bills in Your IRA or 401(k) – Episode 381

Adam Talks

In this episode of Adam Talks, IRA Financial’s Adam Bergman Esq. discusses what I-Bonds and T-Bills are and how you can invest in them with your retirement account.

Buying I Bonds & T-Bills in your IRA or 401(k)

In this podcast, tax attorney and IRA Financial founder, Adam Bergman, discusses the process of purchasing I bonds and T-bills in an IRA or 401(k). To buy these investments through TreasuryDirect, investors need to set up a Self-Directed IRA LLC or Solo K with checkbook control. Traditional IRA custodians, like Fidelity or Schwab, are not able to open I bond accounts. However, investors can buy T-bills through traditional custodians, although there is a maximum limit of $10m. Investors can diversify their portfolios by buying I bonds or T-bills, which are considered safe investments backed by the US government. These investments can also be used in a Self-Directed IRA LLC or Solo K for other investments like real estate, hedge funds, private equity, and gold.

Mr. Bergman discusses how last year’s low interest rates caused people to avoid buying fixed income investments, such as T-bills or I bonds. However, with interest rates now increasing, he suggests there are different investment opportunities available. He encourages listeners to take advantage of the current higher interest rate environment. Overall, Bergman’s message is that investors should adapt to changing market conditions and take advantage of current opportunities to generate returns on their investments.

He invites listeners to check out his weekly podcast, which is available on all podcast platforms, as well as three weekly YouTube videos and a YouTube live event every Wednesday at noon Eastern. He thanks his audience for their support and encourages them to leave comments and questions, promising to answer them as quickly as possible. Finally, he thanks his audience for listening and watching and wishes them an amazing rest of their day.

In summary, investors can diversify their portfolios by buying I bonds or T-bills, which are considered safe investments backed by the US government. To buy these investments through TreasuryDirect with retirement funds, investors need to set up a Self-Directed IRA LLC or Solo K with checkbook control. To learn more, listen to the full podcast!

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