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I-bonds will have 1.3% fixed rate in November. Anyone else copping?

Highest in 20 years, I'm a get my $10k
animeboi
  10/20/26
Do my existing i bonds cop the new, higher rate? I copped 10...
Cerebral indecent newt university
  10/20/26
According to this chart, the fixed rate I have is probably l...
Cerebral indecent newt university
  10/20/26
what is the total rate? u cant be saying its just 1.3% total
Zombie-like step-uncle's house puppy
  10/20/26
it's tax deferred and exempt from state/local
Carmine adventurous box office
  10/20/26
Around 5%, indexed to inflation, and varying every few month...
Cerebral indecent newt university
  10/20/26
Because VOO can lose money while i-bonds can't and the tax d...
animeboi
  10/20/26
If TT had been at 100% VOO since retiring he'd have $3M.
Cerebral indecent newt university
  10/20/26
Shit let's get in the time machine, we're all gonna be rich!
chocolate church building
  10/20/26
i bonds yield fixed rate / "real yield" plus cpi
Mahogany hissy fit heaven
  10/20/26
My ibonds are down by 0% today.
animeboi
  11/05/26


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Reply

Date: October 20th, 2026 5:25 PM
Author: animeboi (.)

Highest in 20 years, I'm a get my $10k

(https://autoadmit.com/thread.php?thread_id=5914196&forum_id=2#50198717)



Reply

Date: October 20th, 2026 5:29 PM
Author: Cerebral indecent newt university

Do my existing i bonds cop the new, higher rate? I copped 10k for me and 10k for wife a few years ago when the variable rate was 9% or something. Not sure what the fixed rate was back then.

(https://autoadmit.com/thread.php?thread_id=5914196&forum_id=2#50198722)



Reply

Date: October 20th, 2026 5:33 PM
Author: Cerebral indecent newt university

According to this chart, the fixed rate I have is probably less than 1% and "fixed": https://image.cnbcfm.com/api/v1/image/108055644-1730387315647-D8z0D-i-bond-rates-since-1998_3.png?v=1730387341

(https://autoadmit.com/thread.php?thread_id=5914196&forum_id=2#50198732)



Reply

Date: October 20th, 2026 5:35 PM
Author: Zombie-like step-uncle's house puppy

what is the total rate? u cant be saying its just 1.3% total

(https://autoadmit.com/thread.php?thread_id=5914196&forum_id=2#50198739)



Reply

Date: October 20th, 2026 5:38 PM
Author: Carmine adventurous box office

it's tax deferred and exempt from state/local

(https://autoadmit.com/thread.php?thread_id=5914196&forum_id=2#50198746)



Reply

Date: October 20th, 2026 5:45 PM
Author: Cerebral indecent newt university

Around 5%, indexed to inflation, and varying every few months over the life of the bond.

Why don't you just keep everything in VOO and stop sweating this stuff?

(https://autoadmit.com/thread.php?thread_id=5914196&forum_id=2#50198753)



Reply

Date: October 20th, 2026 6:47 PM
Author: animeboi (.)

Because VOO can lose money while i-bonds can't and the tax deferral is really nice. If you're near/at retirement I wouldn't be 100% VOO.

(https://autoadmit.com/thread.php?thread_id=5914196&forum_id=2#50198844)



Reply

Date: October 20th, 2026 8:30 PM
Author: Cerebral indecent newt university

If TT had been at 100% VOO since retiring he'd have $3M.

(https://autoadmit.com/thread.php?thread_id=5914196&forum_id=2#50199017)



Reply

Date: October 20th, 2026 8:39 PM
Author: chocolate church building

Shit let's get in the time machine, we're all gonna be rich!

(https://autoadmit.com/thread.php?thread_id=5914196&forum_id=2#50199032)



Reply

Date: October 20th, 2026 5:47 PM
Author: Mahogany hissy fit heaven

i bonds yield fixed rate / "real yield" plus cpi

(https://autoadmit.com/thread.php?thread_id=5914196&forum_id=2#50198754)



Reply

Date: November 5th, 2026 3:31 PM
Author: animeboi (.)

My ibonds are down by 0% today.

(https://autoadmit.com/thread.php?thread_id=5914196&forum_id=2#50235374)