October 17, 2022
Are I Bonds a Good Investment 2022? The I Bond inflation rate is getting ready to change from 9.62% APY to 6.48% APY on November 1st. In this video, I compare the 12-month return of an I Bond to 3 alternative fixed-income investment benchmarks to determine if I Bonds are a good investment right now.
01:36 WHY NOT USE THE S&P 500 AS A BENCHMARK
02:16 BENCHMARK 1: HIGH-YIELD SAVINGS
02:29 IBOND APY 6.51% NEXT 12 MONTHS
03:37 BENCHMARK 2: 1-YEAR CD
05:00 BENCHMARK 3: FIXED-RATE MORTGAGE
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DISCLAIMER: I'm not a financial advisor. These are my opinions and provided "as-is". It is not an offer to buy or sell securities. Read the Terms and Conditions.
At the time of publishing this video, I have net long positions in I Bonds, BTC via stock, warrant, options, or other means.
Except for Wolves of Investing, I/we are not receiving any compensation from and do not have any business dealings with any companies whose stocks are discussed in this article/video.
Donnie Nguyen is the founder and CEO of Wolves of Investing. He started investing in the stock market in the early 2000s. He follows the teachings of Peter Lynch, Warren Buffett, and other investing legends. When he's not investing or blogging, he loves spending time with his family traveling and experiencing the world.
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Are you saying that if an ibond is paying 9.62%, that a person could buy in Oct of 2022 and still get the 9.62% for ANOTHER 6 months? What happened to the 6.89%, which is the current rate until end of April 2023? I bought in May of 2022, earning 9.62% for 6 months. Will I earn 9.62% for an additional 6 months, Nov thru Apr of 2023? I thought that the new rate would commence on Nov 1 to everybody, automatically. (BTW, why is the US Treasury shorting me $4.50 interest on a $10,000 deposit? I sent this note… Read more »
If you were allowed to buy more I Bonds in October, your I Bond purchase in October would have had the 9.62% for 6 months until the end of March. You’re I Bond purchase in May would still have the 9.62% until the end of October. Each purchase is treated differently depending on what month that purchase was made. This is also stated at Treasury Direct here: https://treasurydirect.gov/savings-bonds/i-bonds/i-bonds-interest-rates/ That’s very strange that the Treasury short-changed you. They did round my interest to the dollar, but not by no more than $0.50. Thanks for stopping by and good luck. DISCLAIMER: I’m… Read more »