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Earn Free Interest with I Bonds

April 12 Update: Folks, I underestimated potential I Bond rate! It now looks like the rate announced first business day in May will be 9.62%! That is even higher than my high estimate in my last video! Unless you assume this high inflation will continue past November 2022, it still pays to buy in April and then get this new high rate from October to next March! Buy your I Bond for 2022 now! I also realized I had an error in percent increase from September to March. I was dividing the increase by the new number rather than the old number, yielding a smaller increase. Right formula is (Mar 22 inflation index−Sep 21 inflation index)÷Sep 21 inflation index I fixed the spreadsheet on my Google Site too. In this video, I am going talk about my recent I Bond investments for 2022, what I think I will earn in the second six months of my investments, and I’ll start by describing how you can “Earn ‘Free’ Interest with I Bonds.” I share some calculations to show the roughly $55 in free interest I earned by buying an I Bond on March 31, and still getting a full month of March interest. What bank does that!? The U.S. Treasury. I also calculate my guess on what the composite rate will be when it is announced on May 1. Could we be looking at over 8% for the next six months on our I Bonds? Finally, I discuss the slim chance that the fixed rate, currently zero, could be raised this year. Probably will not happen until real yields on Treasuries turn positive. See this interesting article for more information: https://tipswatch.com/2021/12/05/when... Other links to share: https://www.treasurydirect.gov/indiv/... https://www.treasurydirect.gov/indiv/... As always, my word of caution: I am not a financial planner. I don’t have any special initials after my name. So take this as entertaining ideas from one educated consumer to another. Always do your own due diligence and seek out professional advisor if you need one.