Show HN: OzBonds, do-it-yourself inflation protected pension (opens in new tab)

OP here.

A couple of small known issues I haven't fixed up yet:

  * I'm not correctly taking into account the number of coupon payments in the current year and final year for each bond, just assuming it's 4 like every other year.
  * Prices are updated manually, I've got some code that scrapes the ASX to get new prices, just needs to be hooked up.

I'd be particularly interested in feedback on usability, or ease of understanding from non-finance experts. I've added a bunch of long-winded copy that tries to explain what this is for, but I'm not sure it gets the point across clearly.

Once this is a bit more polished, I'll publish a version that does the same calculations with US TIPS instead of Australian eTIBs.

Thanks!

Despite all the things I consume getting radically more expensive (food gas shelter) and a huge expansion of the money supply the official inflation numbers are extremely low! I bought PHN650 inflation linked bond fund when QE started thinking that it must result in inflation; I was wrong. However inflation is calculated they are leaving the goods I consume out of their basket. The economist should get a new Big Mac index, maybe an organic meal index.

The US Treasury also offers a fairly similar product called TIPS--Treasury Inflation Protected Securities http://www.investopedia.com/terms/t/tips.asp

It's worth noting that the yield on these sorts of things are quite low. All of the eTIBs maturing before 2035 currently have negative yields, meaning that you'd actually be paying a small fee for the inflation protection. The US TIPS yields are also <0 until 2023.