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Market Minute with Wealth E&P - 12/6/21

December 06, 2021
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Discussing last week's market performance and the pros and cons of investing in I-Bonds


December 6, 2021

Welcome to Wealth Enhancement & Preservation’s Market Minute, where we get to update you on everything that happened in the financial markets this week. My name is Darrin Cohen, and I am the CEO of Wealth E&P.

There are two things I want to cover this week: first, a quick recap of the markets, and then second, a little bit of insight on I-Bonds.



So, all three indices were down last week. The NASDAQ was down more than 2.5%, the S&P 500 was down 1.17%, and the DOW was down the least at 0.81%. Our All-Weather score did tick down a bit, as you could expect, because of all of this. However, we are still very optimistic. Our All-Weather score has stayed in the 31 to 35 out of 40 range, after staying at 40 / 40 for a very extended period of time. The obvious concerns that are affecting the market right now are the Omicron variant of the COVID-19 virus, as well as inflation and interest rates. 

Speaking of inflation and interest rates, let’s chat about I-Bonds for a bit. I’ve been receiving a lot of questions about hedging against inflation, and how we can go about that. I-Bonds were created just for that purpose. There are two portions to the interest rate on I-Bonds. There is a fixed rate, which has been 0 for a while and still is, but there is also an inflation rate. This inflation rate takes the yield up to 7.12% on an I-Bond, which is a very nice yield and is safe due to its backing by the government.

There are also a few negative things to consider if you want to invest in I-Bonds.

  1. You cannot invest in I-Bonds through a managed account, ETF, or mutual fund. You have to invest directly at the Treasury through
  2. It is a 5-year investment. You can sell it after one year, but you will incur a 3-month penalty if you sell your investment within the 5-year period.
  3. You can only buy $10,000 in I-Bonds per year per individual. So, if you’re a married couple, you could invest $20,000 per year.

With all of this said, I think it is a great way to get some safe yield in a rising interest rate environment. If you have any other questions on this or anything else, if you want a risk profile, or if you would like a retirement projection, please feel free to reach out or visit Otherwise, stay tuned for our Market Minute next week!


At Wealth Enhancement & Preservation, we are here to serve as your financial advisor and source of support in the Alpharetta, GA, Cartersville, GA, and Charleston, SC areas. Our advisors are dedicated to simplifying the complexities of the financial world and as your advocate, we strive to learn about your most valued goals and dreams. From individual investors to entrepreneurs, our services are designed for your success.


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Wealth E&P

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