Summary
- Be patient: Because the I Bond’s fixed rate of 0.50% is locked in through April 30, there is no need to rush to purchase.
- Is a higher fixed rate possible in 2019? Yes, but the current trend doesn’t make that look likely. A lot can change, though.
- Should you redeem older I Bonds with a fixed rate of 0.0% and redeem at a higher rate? This makes sense for some investors.
With each new year, dedicated investors in U.S. Series I Savings Bonds face the inevitable question: When to buy? And this year, they might face an additional question: Should I buy?
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Treasury Inflation-Protected Securities 
This is a personal decision and depends on your other investment options. If you think inflation will continue to be…