Prediction of I Bond Interest Rate for November 2022 (Series I Savings Bonds)

by | Sep 8, 2023 | TIPS Bonds | 23 comments

Prediction of I Bond Interest Rate for November 2022 (Series I Savings Bonds)




The INFLATION 2022 numbers for March, April, June & July are out & in this video – I-Bond Interest Rate November 2022 Prediction: (SERIES I SAVINGS BONDS), I’m going to use these CPI index numbers to project CPI/ inflation for the next three months & show you how I came up with my 12.4% Series I-Bonds November 2022 prediction.

💡 I-Bonds explained & I-Bond interest explained! Why do we think the November TreasuryDirect I-Bond rate will be double-digits? What would it take for the I-Bond rate (Nov 2022) to go below that?

I Bonds 2022 is one of the top money topics right now, so let’s go through our IBond projections & take some of the mystery out of these Treasury bonds/ government bonds for you. Some other stuff we’ll touch upon:

💲 I Bonds compound interest – how does the IBonds’ fixed rate & semi-inflation rate work together in the I-Bond interest calculation?
💲 Buy I-Bonds now or wait?
💲 I-Bonds Dave Ramsey – the bonds he’s talking about in his “Dave explains why he doesn’t recommend bonds” are not I-Bonds
💲 IBonds how to buy?

WATCH NEXT
⭐ 2022 November I-Bond Rate Prediction:

⭐ How To Buy An I Bond (step-by-step tutorial) via TreasuryDirect:

⭐ How Is I-Bond Interest Formula Calculated & When Does It Show Up In Your Account:

⭐ How To Buy More/ Gift I Bonds (For Spouses & Married Couples):

#jenniferlammer #firstgeneration #bonds

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I Bond Interest Rate November 2022 Prediction (SERIES I SAVINGS BONDS)

Series I Savings Bonds are investment options backed by the United States government, designed to offer a safe and reliable way for individuals to save money for the future. One of the primary factors that influences the attractiveness of these savings bonds is the interest rate they offer. As we approach November 2022, let’s take a moment to delve into predicting what the I Bond interest rate might be.

It is important to note that the U.S. Department of the Treasury, which manages the Series I Savings Bonds program, adjusts the interest rates semi-annually. These adjustments occur on May 1 and November 1 of each year, taking into account changes in inflation rates and market conditions. Therefore, any prediction about the November 2022 I Bond interest rate is based on historical data, economic indicators, and projections.

In recent years, interest rates on Series I Savings Bonds have been relatively low due to the overall state of the economy and inflation rates. This downward trend has been observed globally, partly due to the impact of the COVID-19 pandemic, which led to economic uncertainties and lower interest rate environments.

However, as the world gradually recovers from the pandemic and economies stabilize, it is expected that interest rates will slowly rise. The Federal Reserve has indicated that they may begin to raise interest rates in 2023 to combat potential inflationary pressures. These rate hikes, coupled with the overall improvement in economic conditions, could positively influence the interest rate on I Bonds in November 2022.

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Economists and experts closely monitor various economic indicators to make informed predictions about I Bond interest rates. One of the most significant factors is the Consumer Price Index for All Urban Consumers (CPI-U). The CPI-U measures the changes in prices paid by urban consumers for a basket of goods and services, providing insights into inflation.

Additionally, the Federal Reserve’s monetary policy decisions and its outlook on inflation play a crucial role in determining interest rates. The Fed aims to maintain a healthy balance between economic growth and keeping inflation under control. Hence, any signals or statements from the Fed regarding potential rate hikes may affect I Bond interest rates.

Considering the current economic climate, it is reasonable to predict a potential increase in the I Bond interest rate for November 2022. However, it is crucial to remember that predicting interest rates accurately is challenging, even for seasoned economists.

Individuals planning to invest in Series I Savings Bonds should avoid making decisions based solely on short-term predictions. Instead, it is advisable to focus on the long-term benefits and overall stability offered by these bonds. I Bonds guarantee a fixed rate of return and provide protection against inflation, making them an attractive investment for those seeking security.

Ultimately, the U.S. Department of the Treasury will announce the exact I Bond interest rate for November 2022 based on a careful assessment of economic conditions. Until then, investors should remain attentive to any significant economic developments and be mindful of the potential impact on I Bond interest rates.

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23 Comments

  1. Brian Nevin

    Just found this after an exhausting effort trying to figure out how my interest was calculated on I-bonds purchased in Dec 2021 – thank you for saving me more headaches, great video. Do you know why the January '22 interest was calculated at $56 instead of $60 in the example you gave?

  2. D Reid

    I am putting together a chart to figure 5/1/2023 I Bond rate based upon your method below. I did go to the website (US Labor) for the numbers you have located at 2:45 and 3:11 and cannot find these numbers. Can you provide a link for this site where these numbers are located so that I can put them into the chart? Or will the rate be low compared to other short-term rates available, therefore, do not do calculations? Thanks

  3. Chris Anderson

    Do you lock in the rate at the time you sign up? Or does it change for you account every 6 months.

  4. D Reid

    In 3:01 you state you have a link below on the US Labor's website. I do not see it. Could you please provide? Thanks

  5. TP

    Is it locked for 1 year or 5 year? When can we cash out?

  6. Nitin Gandhi

    Hi Jennifer, I have subscribed to your YouTube channel and listen to your videos on I bonds. I hope you will answer my question. My daughter recently gave birth to a baby boy. We are showered with 1st grandson. How much can my grandson receive in I bonds for 2022?

  7. Alice Kwei

    Thanks for great videos on iBonds. It’s almost end of October. Do you still stand by your double-digit prediction for iBonds in November? What is your rate prediction.

  8. Tom

    Here at recommendation of Suze Orman on her podcast

  9. Steven Nguyen

    Hi, Thanks for great video. I have a question. What is calendar year applied to the purchase limit. Like does the calendar year starting from January to December each year or it will start earlier in November to October of following year? If i make a purchase of 10k ibond on November 2022. Will I be able to purchase another 10k ibond in January 2023?

  10. Karen Carter

    Yowza I love the forward thinking predictions based on cold hard data, showing either way….data….

  11. V p

    Probably about 6% ….

  12. David L. Kleinman

    What is your updated prediction given the recent CPI prints? 6%?

  13. Ken Presley

    Hi Jennifer, now that July's, August's and September's CPI numbers are out, how did your 12.4% prediction work out?

  14. Nitin Hebbar

    Looks like July was 0 and August wss 0.1. Double digit interest ain't happening unless Sept is a totally different story.

  15. Mark Skipper

    Just saw a new post by another prognosticator for I bond rate in November. He says a little over 6%. Quite a difference!

  16. gabymalembe

    I keep hoping for bad news: a railroad strike, something that will cause a spike in gasoline prices, huge increases in food and rent, so my I-bonds will get a good return in the November rate.

  17. Scott Alker

    Would be interesting to see an update on this now that we have the July and August numbers and they went down instead of up in your predictions. I'm now coming up with an estimate of around 6% for a new I-Bonds rate come November. What are your thoughts?

  18. B W

    Hi, Great channel thank you, Q?… 12 month I-Bond restriction is that based per deposit? ie: I deposit $1K in 1/2022 and deposit 2K in 3/2022. So 12month restriction expires 1/2023 for all? or only for the 1K? 2k will expire 3/2023? thx.

  19. J Neighbor

    Now that August numbers are out, are you working on an update for us? Thanks for all your hard work!

  20. Shannon Oliver

    We're not going to get 12% ibonds. I think you're making the same mistake e a lot of people are making. Inflation is trending downward, even with a higher CPI than expected. We will come in at around 6%; my guess is 6.2% or 6.3% for November. People are also not looking at the Bullwhip effect on inflation. The whip is straightening, I think, so Inflation will trend down for the moment. The big question is on energy prices before November, though we're not going to see double digits on ibonds. I love your channel btw!

  21. Gie MT

    since this vlog is a month old now or so, do you have more recent prediction?

  22. Khanh Hoa

    Hi, Jen, with CPI-U today 9/13/22 for August is 296.171 then assuming September is the same number with August then the rate for Nov I-bond would be 6.03%. Am I correct?

  23. Brijesh Kukreja

    Diamond Nest Egg/Jen – What are your predictions now that we have 8.3 inflation number today? Are we looking at approx 9% in Nov?

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