• The I Bond’s six-month variable rate will fall from 2.48% to 2.22% on May 1. The difference in yields is temporary and negligible.
• The fixed rate will also be reset May 1, and odds are that it will hold at 0.1% — or rise to 0.2%, possibly even 0.3%.
• The potential for a higher fixed rate means investors should delay purchases at least until after May 1, maybe even later.

Read my full analysis on SeekingAlpha.com