Comments on: Series I Savings Bond fixed base-rates http://www.savings-bond-advisor.com/series-i-savings-bond-fixed-base-rates/ Sat, 21 Nov 2009 02:45:41 +0000 http://wordpress.org/?v=2.0.4 by: Tom Adams http://www.savings-bond-advisor.com/series-i-savings-bond-fixed-base-rates/#comment-45706 Thu, 06 Aug 2009 15:38:35 +0000 http://www.savings-bond-advisor.com/series-i-savings-bond-fixed-base-rates/#comment-45706 Stansel - It's not correct to say "The fixed rate component of the I Bonds is not fixed." It's fixed, and the inflation component is added to or subtracted from it, depending on whether the inflation component is positive or negative. That's how I bonds have always worked and have always been described on this web site. The inflation component was just never negative before. I don't see how it's the government's fault that you didn't understand how the investment you bought worked. The Treasury was very clear about it working this way when you invested in the I bonds. Tom Adams Stansel - It's not correct to say "The fixed rate component of the I Bonds is not fixed."

It's fixed, and the inflation component is added to or subtracted from it, depending on whether the inflation component is positive or negative. That's how I bonds have always worked and have always been described on this web site.

The inflation component was just never negative before. I don't see how it's the government's fault that you didn't understand how the investment you bought worked. The Treasury was very clear about it working this way when you invested in the I bonds.

Tom Adams

]]> by: Stansel Harvey http://www.savings-bond-advisor.com/series-i-savings-bond-fixed-base-rates/#comment-45684 Wed, 05 Aug 2009 16:50:32 +0000 http://www.savings-bond-advisor.com/series-i-savings-bond-fixed-base-rates/#comment-45684 Beware: The fixed rate component of the I Bonds is not fixed. It can go down. With the flexible rate portion in negative territory it pulls down the fixed rate. Most all of my previously purchased I Bonds are drawing 0% interest in spite of them having a good "fixed" rate of return. So, when is a fixed rate not a fixed rate? When the government runs the program. Beware: The fixed rate component of the I Bonds is not fixed. It can go down. With the flexible rate portion in negative territory it pulls down the fixed rate. Most all of my previously purchased I Bonds are drawing 0% interest in spite of them having a good "fixed" rate of return. So, when is a fixed rate not a fixed rate? When the government runs the program.

]]> by: Tom Adams http://www.savings-bond-advisor.com/series-i-savings-bond-fixed-base-rates/#comment-45063 Wed, 15 Jul 2009 16:38:46 +0000 http://www.savings-bond-advisor.com/series-i-savings-bond-fixed-base-rates/#comment-45063 J - right now neither EE or I bonds are very interesting as an investment. In general, however, I bonds earn more than EE bonds. The Treasury is just taking advantage of people with EE bonds. Tom Adams J - right now neither EE or I bonds are very interesting as an investment.

In general, however, I bonds earn more than EE bonds. The Treasury is just taking advantage of people with EE bonds.

Tom Adams

]]> by: J. McCormick http://www.savings-bond-advisor.com/series-i-savings-bond-fixed-base-rates/#comment-45047 Tue, 14 Jul 2009 20:01:12 +0000 http://www.savings-bond-advisor.com/series-i-savings-bond-fixed-base-rates/#comment-45047 I'm confused. Which is the better buy at this time...EE or I bonds? I'm confused. Which is the better buy at this
time…EE or I bonds?

]]> by: Tom Adams http://www.savings-bond-advisor.com/series-i-savings-bond-fixed-base-rates/#comment-39106 Thu, 16 Apr 2009 14:43:13 +0000 http://www.savings-bond-advisor.com/series-i-savings-bond-fixed-base-rates/#comment-39106 Ian - my best guess is that it will be in the 0.5% to 1.0% range. In other words, it might go up, it might go down, or it might stay the same old 0.7%. Tom Adams Ian - my best guess is that it will be in the 0.5% to 1.0% range. In other words, it might go up, it might go down, or it might stay the same old 0.7%.

Tom Adams

]]> by: ian wilson http://www.savings-bond-advisor.com/series-i-savings-bond-fixed-base-rates/#comment-39074 Wed, 15 Apr 2009 16:02:11 +0000 http://www.savings-bond-advisor.com/series-i-savings-bond-fixed-base-rates/#comment-39074 We are very close to the may fixed rate change for I bonds. What is your best guess at this point? I realize its just your best guess but your insight is better than none. We are very close to the may fixed rate change for I bonds. What is your best guess at this point? I realize its just your best guess but your insight is better than none.

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