Business & Economics

Investment Recommendation: Savings Bonds / I Bonds

One of the best investments is Treasury Direct I Bonds. I Bonds' interest rates are determined by the rate of inflation.

The rate of return on January 11, 2023 was 6.89%.

I Bonds can be purchased directly from the Treasury Department without a middle man, brokerage, or bank. There is no risk of losing your principle investment. They are redeemable after 12 months with three months interest penalty. No penalty after 5 years. The maturity is 30 years. Tax reporting of interest can be deferred until redemption or final maturity. If you use the money for qualified higher education expenses, you may not have to pay tax on the earnings.


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