- Advice: Do nothing for three months.
- The current 2.76% variable rate is at risk, but the current fixed rate of 0.0% is too low.
- It’s a waiting game: Watch the variable rate trend and hope for a higher fixed rate later in 2017.
U.S. Series I Savings Bonds are a boring, ultra-conservative investment that somehow drive many people – including a lot of very wealthy people – to scheme over buying strategies and fret over single basis-point rate swings. The key strategy is to buy them every year, up to the Treasury limit. But the question is: When?