Summary
- 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?
Treasury Inflation-Protected Securities 
The Trump Bump is over already?
Ugh, the real rates are trending down again
What about TIPS auction later this week??
The next TIPS auction is Jan. 19, with the announcement coming Thursday. I’ll be writing about that later this week.