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DAILY / OCT 6 · EVENING

30-year inflation-protected Treasuries pay inflation +3.35%.

TIPS grow with consumer prices, then pay a fixed real yield on top. The 30-year real yield closed at 3.35% today, just off the record 3.37% set Oct 5. Before 2026 it never topped 2.75%. On $100,000, that is about $3,350 a year in today’s dollars.

30-year inflation-protected Treasury bonds (TIPS) yield 3.35% above inflation, about $3,350 a year in today’s dollars on $100,000. That is near the record 3.37% set Oct 5, 2026. In December 2021 the same bond yielded −0.59%, about −$590 a year.

$3,350 3%2%1%0% 2010TODAY 0% = ONLY KEEPS UP WITH INFLATION −$590 a year at −0.59% SAME BOND, DEC 2021 3.35% NEAR ITS RECORD HIGH 30-YEAR INFLATION-PROTECTED TREASURY BONDS PAY Inflation +3.35% ON $100,000 THAT’S ABOUT $3,350 a year, on top of inflation Lockable for 30 years.
01 / THE TAKEAWAY

Inflation +3.35%, for 30 years.

Worked out on $100,000

  1. 01

    Bonds

    On $100,000, about $3,350 a year above inflation, lockable for 30 years.

    Treasury Inflation-Protected Securities (TIPS) raise their principal with consumer prices, then pay a fixed real yield on top. Treasury’s 30-year par real yield closed at 3.35% on Oct 6, 2026, one day after a record 3.37%. Treasury’s daily series starts in February 2010, and before 2026 it never topped 2.75% (May 21, 2025). On Dec 3, 2021 it was −0.59%: buyers then locked in losing about $590 a year to inflation on $100,000.

    30-year TIPS real yield 3.35% → about $3,350/yr above inflation on $100,000
    Dec 3, 2021: −0.59% → about −$590/yr on $100,000
    Regular 30-year Treasury 5.64% → TIPS come out ahead if inflation averages more than about 2.29% a year for 30 years
    Held 30 years at 3.35% real, compounded twice a year, $100,000 grows to about $270,900 in today’s money (assumes interest is reinvested at the same real yield)

    You can buy TIPS at Treasury auctions through TreasuryDirect or a brokerage, or on the secondary market in most brokerage accounts. For the plain cash side, see Savings; for more ideas, see Insights.

    The catch: 3.35% is a market snapshot for a buyer today and moves every day. Long TIPS swing a lot in price when rates move, so selling before maturity can lose money; the real yield is only locked if you hold to maturity. Federal tax is due each year on the interest, and the yearly inflation increase in principal can also be taxed that year even though you do not receive it until maturity, so TIPS often fit best in an IRA or 401(k). TIPS are free of state and local tax. At maturity you get the inflation-adjusted principal or the original principal, whichever is greater.

    Source: U.S. Treasury Daily Par Real Yield Curve Rates ↗ (30-year 3.35% Oct 6, 2026; 3.37% Oct 5; history 2010–2025 from the same series) · U.S. Treasury Daily Par Yield Curve Rates ↗ (30-year 5.64% Oct 6, 2026) · TreasuryDirect: TIPS ↗ (inflation adjustment, taxes, maturity floor)

General information, not financial, tax, or investment advice. Numbers were checked on Oct 6, 2026; rates change, so confirm with the source before you move money.