Originally Posted by mrfeh
Cashing in I bonds seems a bit short-sighted to me. The current interest rate is temporary. Once sold, you can never truly replace them, due to the annual purchase limit.
Without a decent fixed rate component to go with the inflation part, I just dont see the value in them for me. We have only been above 4.9% on a yearly basis once since 1982, and only 5 times eclipsing even 4% in 33 years, with the last in 1991. Not real compelling to me. Now toss me that 3% fixed in, and it really piques my interest!
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