I Bond Rates

[NitroZ7]

CNBC story says the may fall below 4% in May. I may redeem after my next reset and go to a longer term CD.

[IMhooked]

Are you redeeming your longest held (beyond 5 years) to ensure you don't have to forego the last 3 months of earned interest?

[NitroZ7]

Are you redeeming your longest held (beyond 5 years) to ensure you don't have to forego the last 3 months of earned interest?

No. If they reset under 4% I may just see if I can find a longer term CD in the 5% range. These are under 5 years.

[digthemup]

Nitro
Cashing mine in come Aug 1 so if I loose 3 month, I still have 1 full yr of interested. Local bank has 5 month CD for 4.53%, so I will take the 40K and put it into something like that till the market comes around.

[apenland01]

I'm likely cashing mine in September, as that will be month 16 for me, so I'll get the 9.62 and 6.89 and forfeit the lower interest...

[RyanJ]

So I locked in the high I bond rate starting April 1 2021. Currently getting the 6.48% rate. So I need to hold on to these until Aug 1st to avoid losing the 6.48% interest?