• The data support a drop to a 0.0% fixed rate, but wouldn’t the Treasury be sending an awful message?
• You can buy now to lock in the I Bond’s current 0.1% fixed rate, or wait until November 1 and get the higher variable rate immediately.
• A bigger question: Does a fixed rate of 0.1% really matter?

A lot of readers have been asking me why I think the Treasury could drop the I Bond fixed rate to 0.0% on November 1. I’d say if it were purely a data-driven decision, the Treasury will go with a 0.0% fixed rate. But I am hoping it will stick with 0.1% as a nod to small investors who rely on I Bonds for inflation-protected savings.

Read my full analysis at SeekingAlpha.com