{"id":49213,"date":"2026-04-27T08:35:15","date_gmt":"2026-04-27T08:35:15","guid":{"rendered":"https:\/\/isafespend.com\/?p=49213"},"modified":"2026-04-27T08:35:16","modified_gmt":"2026-04-27T08:35:16","slug":"as-inflation-reignites-should-you-consider-i-bonds","status":"publish","type":"post","link":"https:\/\/isafespend.com\/?p=49213","title":{"rendered":"As Inflation Reignites, Should You Consider I Bonds?"},"content":{"rendered":"
\n

Savers might want to take a second look at I Bonds, if they\u2019re rattled by the latest downturn in the stock market and surge in inflation.<\/p>\n

Anyone who drives by a gas station sees how prices at the pump skyrocketed, and it\u2019s possible that inflation will heat up even more depending on how the Iran war unfolds. The United States and Israel launched unexpected, widespread airstrikes against Iran on Feb. 28.<\/p>\n

The \u201cI\u201d in Series I savings bonds stands for inflation. The idea is to use I Bonds to protect savings against inflation. The composite interest rate on I Bonds can go up or down every six months after you bought the bond, based on the shift in inflation.<\/p>\n

I Bonds can be used as part emergency savings, part conservative holdings for investors who want to guard some of their portfolio from dramatic downturns in the stock market.<\/p>\n

Inflation Hit Its Hottest Point in 2 Years<\/h2>\n

For months, I\u2019ve heard from savers who talked more about dumping the once high-paying I Bonds bought a few years ago than buying new ones. Inflation, after all, had fallen significantly since peaking at 9.1% in June 2022 \u2014 the highest level in 40 years.<\/p>\n

And that story line probably would have continued \u2014 if we didn\u2019t get the latest inflation shock.<\/p>\n

Given the latest surge in inflation, though, savers might reconsider selling off those I Bonds just yet. And if you need to unload some I Bonds, perhaps to cover bills, you will want to take extra care to make sure that you\u2019re dumping the right bonds.<\/p>\n

\u201cPeople were definitely losing interest in I Bonds,\u201d according to David Enna, who founded Tipswatch.com and regularly tracks inflation-adjusted government bonds.<\/p>\n

All of that has changed in recent weeks, as inflation took off.<\/p>\n

We got our first glimpse at the latest inflation picture on Friday, April 10, when the U.S. Bureau of Labor Statistics released the Consumer Price Index for March.<\/p>\n

Over the last 12 months, consumer prices rose rather sharply to 3.3%. By contrast, the CPI rose 2.4% year-over-year in February.<\/p>\n

Gasoline prices rose 18.9% in March over the past 12 months; fuel oil prices rose 44.2% year-over-year, according to the U.S. Bureau of Labor Statistics report issued April 10.<\/p>\n

Month-to-month gasoline prices shot up 21.2%.<\/p>\n

This sudden spike in inflation \u2014 and concerns about future price hikes on all sorts of goods \u2014 will soon give the inflation-indexed U.S. savings bonds a bit of a boost.<\/p>\n

We\u2019re talking about an estimated annualized rate of 4.26% that would apply for the first six months if you buy an I Bond in May through October, Enna said.<\/p>\n

All I Bonds will benefit from an inflation-related change in their rates, too, in the months ahead.<\/p>\n

I Bond rates soared and generated so much excitement in 2022, for example, that the TreasuryDirect.gov website even experienced intermittent slowdowns during a last-minute rush to buy I Bonds.<\/p>\n

I Bonds bought in November 2022 through April 2023 had a 6.89% annualized rate. That rate applied for the first six months after the Series I Savings Bond is purchased. Those same bonds, which have a 0.4% fixed rate, currently have an annualized rate of 3.53% for six months.<\/p>\n

Those who keep a close eye on I Bonds, like Enna, know that the March CPI, which is released in April, typically provides an essential piece of the puzzle for estimating the new rate that will apply to I Bonds bought from May through October.<\/p>\n

\u201cMarch inflation marks the end of a six-month string that will reset the I Bond\u2019s variable rate on May 1,\u201d Enna wrote recently. He noted that the new I Bond rate that begins in May will be based on non-seasonally-adjusted inflation for the months of October 2025 to March 2026.<\/p>\n

New rates are announced every May 1 and Nov. 1 for savings bonds.<\/p>\n

Why I Bond Rates Are Heading Higher<\/h2>\n

I Bonds have two components: a fixed rate that remains with the 30-year life of the savings bond and a variable rate that adjusts each six months after you bought the I Bond. Buy an I Bond in June and the variable rate will adjust in December.<\/p>\n

Before the Iran war began in late February, Enna didn\u2019t have big expectations for I Bond rates. In fact, he expected a decent drop in interest rates for I Bonds.<\/p>\n

Before the Iran war, Enna said he would have confidently told savers that the variable rate for I Bonds was likely to fall on May 1 to about 2% from the current 3.12%. That variable rate matters to anyone who has I Bonds, no matter when they were bought.<\/p>\n

And, again before the war, he said, the Treasury was likely to tinker with the fixed rate, too, perhaps dropping to 0.8% from the current 0.9%. That fixed rate applies to the life of the 30-year bond.<\/p>\n

If those estimates proved true, Enna said, the composite rate for I Bonds issued from May through October would have been about 2.81%, down from the current 4.03%.<\/p>\n

\u201cAfter the war broke out, real yields went back up quite a bit,\u201d Enna said.<\/p>\n

\u201cInflation, obviously, was very high. That pushed all these numbers up.\u201d<\/p>\n

Now, Enna predicts that the I Bond\u2019s new inflation-adjusted variable rate will be 3.34%, up from the current 3.12%. He\u2019s anticipating a composite rate of 4.26% if the fixed rate remains at 0.9%, which he now expects it will, for I Bonds bought from May through October \u2014 the same as the fixed rate for I Bonds bought from November 2025 through April 2026.<\/p>\n

All I Bonds will eventually get the variable annualized rate of 3.34% for six months. When the new variable rate starts for individual savers will depend on the original month when they bought the bond.<\/p>\n

\u201cEverybody wants to get I Bonds now. The question is just when,\u201d Enna said.<\/p>\n

Enna maintains that many people underestimate how well I Bonds can work for some of their savings, particularly emergency savings.<\/p>\n

\u201cThat cash is sitting there, ready to use, but always moving higher with inflation. This is a super-safe investment,\u201d Enna said.<\/p>\n

How Do You Buy I Bonds?<\/h2>\n

Each calendar year, savers can set aside up to $10,000 per person in electronic I Bonds that are bought and held at the federal government website called TreasuryDirect.gov.<\/p>\n

As a result, I Bond aficionados try to figure out the very best time to buy I Bonds during the year. They often game whether the fixed rate will go up or down when rates are announced May 1 or Nov. 1.<\/p>\n

Typically, Enna notes, it\u2019s savvy to buy I Bonds later during the month because if you buy I Bonds on April 20, for example, you\u2019d get interest for all of April.<\/p>\n

It\u2019s often best to sell, by contrast, during the first few days of the month. If you redeem your I Bonds on April 20, for example, you\u2019d lose all of the interest paid for April.<\/p>\n

Going forward, Enna said he sees some possibility that the I Bond rate announced Nov. 1 could have a higher fixed rate than 0.9%, maybe something in a 1% or slightly higher range.<\/p>\n

Hard to Know How Much Inflation Will Heat Up<\/h2>\n

Enna said watching the trend for inflation for the next six months will be interesting.<\/p>\n

\u201cWe are in a new era of inflation. It\u2019s hard to predict and hard to tell where we\u2019re headed,\u201d Enna said. He admits he\u2019s always had a tough time predicting inflation even before now.<\/p>\n

Inflation now, though, is clearly back on everyone\u2019s radar.<\/p>\n

\u201cInflation is high and will accelerate this year as the Iran war pushes up energy and other prices,\u201d Mark Zandi, chief economist for Moody\u2019s Analytics, told the Detroit Free Press, part of the USA TODAY Network.<\/p>\n

Inflation as measured by the Personal Consumption Expenditures price index is currently near 3%, Zandi said, and it will be approaching 4% later this year. The Federal Reserve\u2019s inflation target is 2%.<\/p>\n

Zandi expects inflation to go up, thanks to higher energy prices, the ongoing impact of higher tariffs and the expansion of AI, which many expect will initially contribute to inflation.<\/p>\n

When it comes to I Bonds, there\u2019s still a short window to buy in April \u2014 say by April 28 or so \u2014 before the new rate kicks in.<\/p>\n

An investor buying I Bonds in April will get a six-month annualized return of 4.03%, and then 4.26% for the next six months, Enna said. In that case, he said, you could be receiving an estimated 4.16% over 12 months.<\/p>\n

Remember, though, the I Bond\u2019s fixed rate could be reset on May 1, and we won\u2019t know that until the Treasury makes its official announcement.<\/p>\n

What to Consider If You\u2019re Selling I Bonds<\/h2>\n

If you\u2019re considering selling off some I Bonds, review the rates that you\u2019re receiving on those particular bonds.<\/p>\n

Paying attention to the fixed rate on I Bonds is something novice savers don\u2019t realize is essential. Who, after all, would imagine that you\u2019d need a very detailed chart to explain what fixed rate applies to what batch of I Bonds issued when. Yet such a chart exists online.<\/p>\n

In an odd twist, I Bonds can carry all sorts of fixed rates that apply to the 30-year life of the bond, depending on when you bought it.<\/p>\n

The first I Bonds that were issued in September 1998 continue to have a fixed rate of 3.4%. I Bonds bought from May 2000 through October 2000 carry a fixed rate of 3.6% \u2014 the highest fixed rate ever offered for I Bonds.<\/p>\n

At the other extreme, we\u2019ve got a long list of I Bonds issued in various years that have a 0% fixed rate.<\/p>\n

The 0% fixed rate, for example, applies to a long stretch for I Bonds bought from May 2020 through October 2022. In that case, you\u2019re only receiving the variable inflation rate for any given six-month stretch of time.<\/p>\n

By contrast, I Bonds issued from November 2023 through October 2024 had a fixed rate of 1.3%.<\/p>\n

Ideally, if you plan to cash in some I Bonds, you might consider selling off the batch with a 0% fixed rate and holding onto the ones that would continue to pay a fixed rate, no matter where inflation heads.<\/p>\n

If you sell an I Bond before you\u2019ve held it for five years, you are looking at a slight penalty.<\/p>\n

If you cash in an I Bond in less than five years, you lose the last three months of interest. The TreasuryDirect.gov site gives an example: \u201cIf you cash in the bond after 18 months, you get the first 15 months of interest.\u201d<\/p>\n

After five years, Enna said, the interest penalty goes away and you can redeem at any time.<\/p>\n

Cashing a savings bond will mean that most people must report all interest earned on the bond over time in the year that they cash the bond. For those cashing a great deal of bonds, it could be key to review your tax situation, perhaps talking to a tax professional first.<\/p>\n

\u201cYou will pay taxes when you redeem,\u201d Enna said.<\/p>\n

Enna has personally been selling off his I Bonds that have a 0% fixed rate to reinvest in I Bonds that have a higher fixed rate.<\/p>\n

\u201cI don\u2019t have any of those left, but I do have a few 0.1% and 0.2% versions I might roll over,\u201d he said.<\/p>\n

The threat of inflation remains real \u2014 especially when you realize that oil derivatives are found in everything from medical equipment to textiles and furniture. And ordering more online means nearly everything gets delivered \u2014 which could drive up all sorts of prices.<\/p>\n

Inflation hurts on so many levels. But I Bonds could be seeing new life, as one way savers can get some protection from inflation.<\/p>\n

Contact personal finance columnist Susan Tompor: [email\u00a0protected]. Follow her on X @tompor.<\/em><\/p>\n<\/p><\/div>\n

Read the full article here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Savers might want to take a second look at I Bonds, if they\u2019re rattled by the latest downturn in the stock market and surge in inflation. Anyone who drives by a gas station sees how prices at the pump skyrocketed, and it\u2019s possible that inflation will heat up even more depending on how the Iran<\/p>\n","protected":false},"author":1,"featured_media":49214,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[51],"tags":[32],"class_list":{"0":"post-49213","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-burrow","8":"tag-featured"},"yoast_head":"\nAs Inflation Reignites, Should You Consider I Bonds? | iSafeSpend<\/title>\n<meta name=\"description\" content=\"Savers might want to take a second look at I Bonds, if they\u2019re rattled by the latest downturn in the stock market and surge in inflation. 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