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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...
learning disabled violent public bath
  10/20/26
According to this chart, the fixed rate I have is probably l...
learning disabled violent public bath
  10/20/26
what is the total rate? u cant be saying its just 1.3% total
Supple Emerald School Cafeteria Brethren
  10/20/26
it's tax deferred and exempt from state/local
fuchsia scourge upon the earth
  10/20/26
Around 5%, indexed to inflation, and varying every few month...
learning disabled violent public bath
  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.
learning disabled violent public bath
  10/20/26
Shit let's get in the time machine, we're all gonna be rich!
Vigorous Business Firm
  10/20/26
i bonds yield fixed rate / "real yield" plus cpi
Marvelous slate sanctuary newt
  10/20/26


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Reply

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

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

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



Reply

Date: October 20th, 2026 5:29 PM
Author: learning disabled violent public bath

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.

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



Reply

Date: October 20th, 2026 5:33 PM
Author: learning disabled violent public bath

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

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



Reply

Date: October 20th, 2026 5:35 PM
Author: Supple Emerald School Cafeteria Brethren

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

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



Reply

Date: October 20th, 2026 5:38 PM
Author: fuchsia scourge upon the earth

it's tax deferred and exempt from state/local

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



Reply

Date: October 20th, 2026 5:45 PM
Author: learning disabled violent public bath

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?

(http://www.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.

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



Reply

Date: October 20th, 2026 8:30 PM
Author: learning disabled violent public bath

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

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



Reply

Date: October 20th, 2026 8:39 PM
Author: Vigorous Business Firm

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

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



Reply

Date: October 20th, 2026 5:47 PM
Author: Marvelous slate sanctuary newt

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

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