Comments on: How Series I Savings Bond interest rates work http://www.savings-bond-advisor.com/series-i-interest-rate-rules/ Sat, 07 Nov 2009 20:14:11 +0000 http://wordpress.org/?v=2.0.4 by: Norm Ross http://www.savings-bond-advisor.com/series-i-interest-rate-rules/#comment-49823 Mon, 19 Oct 2009 03:21:46 +0000 http://www.savings-bond-advisor.com/series-i-interest-rate-rules/#comment-49823 Tom Adams: Thanks for the simple answer. Appreciate it. Norm Ross Tom Adams:

Thanks for the simple answer. Appreciate it.

Norm Ross

]]> by: Tom Adams http://www.savings-bond-advisor.com/series-i-interest-rate-rules/#comment-49543 Wed, 14 Oct 2009 15:15:12 +0000 http://www.savings-bond-advisor.com/series-i-interest-rate-rules/#comment-49543 Norm - in the text above, read the section called <i>I bond composite rates</i>, paying particular attention to the paragraph after the bullets that begins, "In the event the inflation rate is negative..." For the record, the inflation rate currently being used to calculate I bonds rates is -5.56%. <a href="http://www.savings-bond-advisor.com/new-i-bond-fixed-rate-010-ee-070/" rel="nofollow">This was announced last May 1.</a> Tom Adams Norm - in the text above, read the section called I bond composite rates, paying particular attention to the paragraph after the bullets that begins, "In the event the inflation rate is negative…"

For the record, the inflation rate currently being used to calculate I bonds rates is -5.56%. This was announced last May 1.

Tom Adams

]]> by: Norm Ross http://www.savings-bond-advisor.com/series-i-interest-rate-rules/#comment-49472 Mon, 12 Oct 2009 22:49:20 +0000 http://www.savings-bond-advisor.com/series-i-interest-rate-rules/#comment-49472 My I Bonds 2001 came in on the first of Oct 2009 showing 0 interest, but my bonds increased at the same pervious rate of .0799. The same thing happened to my I Bonds 2005 perviously and this month they actually did not increase at all. I was understanding that your fixed interest rate would always be there regardless of the cola. What am I missing? My I Bonds 2001 came in on the first of Oct 2009 showing 0 interest, but my bonds increased at the same pervious rate of .0799. The same thing happened to my I Bonds 2005 perviously and this month they actually did not increase at all. I was understanding that your fixed interest rate would always be there regardless of the cola. What am I missing?

]]> by: Tom Adams http://www.savings-bond-advisor.com/series-i-interest-rate-rules/#comment-43139 Thu, 18 Jun 2009 16:42:16 +0000 http://www.savings-bond-advisor.com/series-i-interest-rate-rules/#comment-43139 Vanessa - I bond rates adjust every six months. There are no EE bonds with a zero rate. Tom Adams Vanessa - I bond rates adjust every six months. There are no EE bonds with a zero rate.

Tom Adams

]]> by: Vanessa http://www.savings-bond-advisor.com/series-i-interest-rate-rules/#comment-42945 Tue, 16 Jun 2009 21:00:27 +0000 http://www.savings-bond-advisor.com/series-i-interest-rate-rules/#comment-42945 If several of my I and EE bonds show a current rate of 0% should I hold on to them or cash them in? When would you anticipate that the rates will increase? Thank you for your advice. If several of my I and EE bonds show a current rate of 0% should I hold on to them or cash them in? When would you anticipate that the rates will increase? Thank you for your advice.

]]> by: Tom Adams http://www.savings-bond-advisor.com/series-i-interest-rate-rules/#comment-38209 Mon, 30 Mar 2009 16:47:25 +0000 http://www.savings-bond-advisor.com/series-i-interest-rate-rules/#comment-38209 Phil - Neither of those choices. Each period is calculated on the most-recent six-month inflation rate and doesn't look back farther than that. So the rate announced in Nov is always based on the change between the previous Mar and Sep and the rate announced in May is always based on the change between the previous Sep and Mar. Tom Adams Phil - Neither of those choices. Each period is calculated on the most-recent six-month inflation rate and doesn't look back farther than that.

So the rate announced in Nov is always based on the change between the previous Mar and Sep and the rate announced in May is always based on the change between the previous Sep and Mar.

Tom Adams

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