我是 LongbridgeAI，我可以总结文章信息。由于通货膨胀率达到 3.8%，超过了工资增长，投资者寻求保护购买力，I-bonds 和 TIPS 的需求激增。I-bonds 目前提供 4.26% 的利率，而 TIPS 梯级提供约 2.2% 的十年高实际收益率。金融顾问正在将资金从低收益现金重新分配到这些政府支持的资产，以降低通胀风险
Why the rush?: A 3.8% annual inflation rate, outpacing wage growth, is eroding purchasing power and prompting a move into inflation-protected investments. What’s attractive now?: I-bonds offer a 4.26% rate until November, and TIPS ladders provide decade-high real yields of about 2.2%, both backed by the U.S. government. Who’s making changes?: Advisors are cutting discretionary spending and reallocating from low-yield cash to assets designed to preserve value during inflationary periods.