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Originally Posted by baselle
Your fixed rate stays the same through the life of the bond but frankly is what makes your bond more or less valauble. Right now the fixed rate is 1.2%, which is on the low end of what it has been. If November's fixed rate is higher than 1.2%, then November's the bond to buy. If its the same, it doesn't much matter.
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For those who plan to own the savings bonds for the long term, this fixed rate is what's important, and no one knows if it's going up, staying the same, or going down in November. If it does follow the TIPS fixed rate, it'll likely go up some. If it's used to balance the inflation component it may not go up and could go down .
I remember back in 2000 when it was 3.6%. Those I-Bonds bought then will be doing very well when the next period's inflation component gets added.