- Buy now? You guarantee a one-year return of 1.56%, which is attractive.
- Wait until November 1? You could lose the 0.1% fixed rate, but earn more money in one year anyway.
- Either way, this isn’t going to be a bad investment.
Yes, a 0.10% fixed rate may not seem like a big deal, but realize this: A 10-year TIPS is currently yielding 0.11%. I Bonds with a fixed rate of 0.1% and an attractive variable rate are going to be a hot investment through May 2017. But what if the fixed rate falls to 0.0%?