I’ve been saving into Series I bonds for quite some time but it wasn’t until the last few years that we’ve seen some eye-popping rates out of Series I bonds. I got in on the fervor a few years ago when inflation was running hot and we saw Series I bonds offering inflation rates of 3.56%, 4.81%, and 3.24%. Of course, they came with fixed rates that were 0.00% – but they still put Series I bonds rates into the stratosphere. But with inflation slowing down and inflation rates going down, a lot of those Series I bonds no longer sport lofty interest rates. (if you have a 0% fixed rate bond, your current interest rate is simply 2 times the inflation rate) The question now is, given the penalty rules for Series I Bonds, should you redeem them or hold them? Or redeem them and re-buy back in now that fixed rates are higher? Table of Contents Series I Bond Withdrawal Rules Refresher How to Review Your Series I Bonds How Much Interest Do You Give Up? Should You Cash Out Your Bonds? Wha
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