I Bond Dilemma: Buy Now, Buy Later, Or Split The Decision?

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.

Read my full analysis on SeekingAlpha.com

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