@mistercheap I bought in 2021 and 2022. Cashed out the 2021 late last year 3 months after MY rate went below 5%, and cashed out the 2022 this week 3 months after MY rate went below 5%. The new iBond rate is over 5%, but since it’s tied to inflation, you have to make a guess if inflation is going up or down over the next few months. I’m guessing down, so I am putting the money into 12-month CDs with an APY over 5.5%. That way, I’m guaranteed the >5.5% return for at least 12 months rather than guess what the new six-month rate will be for iBonds.
– Z –