Summary
- Buy before May 1 and get a higher variable rate; buy after May 1 and possibly get a higher fixed rate.
- Waiting will cost you short term, and it might take about 4 years to break even.
- But I Bond investors are always eager to get a higher fixed rate. Should you divide your purchases this year?
Investors in US Series I Savings Bonds are in an interesting ‘limbo’ period right now, leading up to the May 1 reset of the I Bond’s variable and fixed rates.
Treasury Inflation-Protected Securities 
Patrick, you wrote: "Brokered CDs do not compound interest, so CDs that pay every six months or annually are not…