Buy I-Bonds Now or Wait? When Should I Buy I-Bonds? In this video – Buy I-Bonds Now Or Buy I-Bonds in October? Buy I-Bonds in November – I’ll walk you through the three main, but different perspectives floating around on when one should buy I-Bonds in 2022 & the pros & cons of each perspective because no, it’s not as simple as – just buy I-Bonds in April and October

As many of you know, the I-Bond interest rate & the I-Bond interest calculation are not entirely straight-forward at times, and neither is the answer to this frequently-asked question – When Should I Buy I-Bonds?

0:00 Intro to Treasury Direct Series I Savings Bonds
2:50 Perspective 1 – Buy I-Bonds Now
9:20 Perspective 2 – Buy I-Bonds Now Or In October
13:20 Perspective 3 – Buy I-Bonds Now Or in November

S&P500 & inflation data:

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):

👉 Subscribe to our channel for all things inflation, retirement planning & building generational wealth!

#jenniferlammer #firstgeneration #bonds

__________

🎯 GRAB YOUR COMPLIMENTARY FINANCIAL GUIDES & TEMPLATES!

__________

DISCLAIMER

EVERYONE’S FINANCIAL JOURNEY IS DIFFERENT. YOUR PERSONAL FINANCIAL SITUATION IS UNIQUE. NEITHER DIAMOND NESTEGG, LLC, OUR WEBSITE, OUR YOUTUBE CHANNEL, OUR OTHER SOCIAL MEDIA CHANNELS, NOR THIS CONTENT & INFORMATION (THE “SERVICE”) ARE INTENDED TO PROVIDE FINANCIAL, LEGAL, TAX OR OTHER ADVICE. NO FINANCIAL DECISIONS SHOULD BE MADE SOLELY BASED ON THE SERVICE. THE SERVICE IS PROVIDED FOR INFORMATIONAL & ENTERTAINMENT PURPOSES ONLY & IS NOT INTENDED TO BE A SUBSTITUTE FOR ADVICE FROM A PROFESSIONAL FINANCIAL ADVISER OR QUALIFIED EXPERT.

ALL OPINIONS & FORWARD-LOOKING STATEMENTS OF THE SERVICE EXPRESSED HEREIN ARE AS OF THE DATE OF PUBLICATION & SUBJECT TO CHANGE. IT IS YOUR RESPONSIBILITY TO VERIFY ALL INFORMATION YOURSELF.

ANY INFORMATION PRESENTED BY THE SERVICE IS NOT AN OFFER TO BUY OR SELL, NOR A SOLICITATION TO BUY OR SELL ANY SECURITIES OR PRODUCTS MENTIONED. DIFFERENT INVESTMENTS HAVE VARYING DEGREES OF RISK & THERE IS NO ASSURANCE THAT THEY WILL BE SUITABLE FOR YOUR PORTFOLIO. PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS. ALWAYS CONSULT A QUALIFIED FINANCIAL, LEGAL, OR TAX PROFESSIONAL REGARDING YOUR SPECIFIC SITUATION.

DIAMOND NESTEGG, LLC IS A REGISTERED INVESTMENT ADVISER IN THE STATE OF NEW YORK AND OTHER STATES WHERE IT IS EXCLUDED OR EXEMPTED FROM REGISTRATION REQUIREMENTS. REGISTRATION AS AN INVESTMENT ADVISER DOES NOT CONSTITUTE AN ENDORSEMENT FROM SECURITIES REGULATORS.

DIAMOND NESTEGG, LLC RECEIVES COMPENSATION FROM YOUTUBE FOR THE PRESENCE OF ADVERTISING BEFORE, AFTER, AND DURING THIS VIDEO CONTENT AS WELL AS VIA YOUTUBE’S SUPER THANKS FEATURE. DIAMOND NESTEGG, LLC DOES NOT CONTROL THE CONTENT OR PRESENCE OF ANY ADVERTISEMENTS. THE PRESENCE OF ANY ADVERTISEMENT DOES NOT CONSTITUTE AN ENDORSEMENT OF THE AD, COMPANY, ENTITY, OR PRODUCT BY DIAMOND NESTEGG, LLC.

———-

CONTENT DISCLAIMER

THE VIEWS & OPINIONS EXPRESSED THROUGH THE SERVICE ARE SOLELY THOSE OF DIAMOND NESTEGG, UNLESS OTHERWISE SPECIFICALLY CITED. MATERIAL PRESENTED IS BELIEVED TO BE FROM RELIABLE SOURCES & NO REPRESENTATIONS ARE MADE BY DIAMOND NESTEGG AS TO OTHER PARTIES’ INFORMATIONAL ACCURACY OR COMPLETENESS. ALL INFORMATION OR IDEAS PROVIDED SHOULD BE DISCUSSED IN DETAIL WITH A QUALIFIED ADVISER, TAX OR LEGAL PROFESSIONAL PRIOR TO IMPLEMENTATION.

OUR YOUTUBE CHANNEL MAY PROVIDE LINKS TO THIRD-PARTY WEBSITES FOR YOUR CONVENIENCE. WE HAVE NO CONTROL OVER THE ACCURACY OR CONTENT OF THESE LINKS.

THE COMMENTS ON THIS CHANNEL, AND OUR OTHER SOCIAL MEDIA CHANNELS, ARE THOSE OF THE CREATORS & DO NOT NECESSARILY REFLECT THE VIEWS & OPINIONS HELD BY DIAMOND NESTEGG, LLC.

DUE TO THE SOCIAL NATURE OF THE SERVICE, THESE VIDEOS MAY CONTAIN CONTENT COPYRIGHTED BY ANOTHER PERSON OR ENTITY. DIAMOND NESTEGG, LLC CLAIMS NO COPYRIGHT TO SAID CONTENT & CANNOT BE HELD ACCOUNTABLE FOR THE COPYRIGHTED CONTENT. DIAMOND NESTEGG SHARES & STRIVES TO VERIFY INFORMATION BUT CANNOT WARRANT THE ACCURACY OF COPYRIGHTS OR COMPLETENESS OF THE INFORMATION ON OUR SERVICE. ANY COPYRIGHTED MATERIAL SHARED ON THIS SERVICE IS INTENDED TO BE SHARED BY FAIR USE. IF YOU HAVE A COMPLAINT ABOUT THE USE OF COPYRIGHTED MATERIAL, PLEASE CONTACT DIAMOND NESTEGG PRIOR TO MAKING A COPYRIGHT CLAIM. ANY INFRINGEMENT IS UNINTENTIONAL & WILL BE RECTIFIED TO ALL PARTIES’ SATISFACTION.

PLEASE REFER TO OUR TERMS OF SERVICE & PRIVACY POLICY LINKS FROM OUR WEBSITE FOR MORE INFORMATION….(read more)

LEARN MORE ABOUT: Treasury Inflation Protected Securities

REVEALED: Best Investment During Inflation

HOW TO INVEST IN GOLD: Gold IRA Investing

HOW TO INVEST IN SILVER: Silver IRA Investing

Series I Savings Bonds, also known as I Bonds, are a type of savings bond issued by the U.S. Department of the Treasury. These bonds offer a unique combination of fixed and inflation-adjusted interest rates, making them an attractive option for investors looking for a safe and secure way to grow their savings.

One of the key decisions that investors have to make when it comes to buying I Bonds is the timing of their purchase. The fixed rate on I Bonds is set for the life of the bond at the time of purchase, but the inflation-adjusted rate is updated every six months, in May and November. This leads to the question: Is it better to buy I Bonds now, in October, or in November?

Buying I Bonds Now:
The fixed rate on I Bonds for the current period (November 2021 to April 2022) is 0.0%, which may not be appealing to some investors. However, the inflation-adjusted rate for I Bonds is currently 1.72%, which is significantly higher than the rates offered by many other savings products. By purchasing I Bonds now, investors can lock in the current inflation-adjusted rate for the next six months, providing a guaranteed return that will keep pace with inflation.

Buying I Bonds in October:
If investors are not satisfied with the current fixed rate on I Bonds, they may choose to wait until October to see if the fixed rate for the next period (May 2022 to October 2022) is more attractive. The downside of this approach is that they will miss out on the current inflation-adjusted rate, which may be higher than the rate offered in the next period.

Buying I Bonds in November:
For investors who are willing to wait, November presents the opportunity to purchase I Bonds with a new fixed rate for the next period. This may be advantageous if the fixed rate in the next period is more favorable than the current rate. However, there is no guarantee that the new fixed rate will be higher, and investors may miss out on the higher inflation-adjusted rate available now.

In conclusion, the decision to buy I Bonds now, in October, or in November ultimately depends on the individual investor’s preferences and expectations. Those seeking the security of a guaranteed return that keeps pace with inflation may find it advantageous to buy I Bonds now and lock in the current inflation-adjusted rate. However, investors who are more focused on the potential for a higher fixed rate in the next period may choose to wait until October or November.

Regardless of when investors choose to buy I Bonds, it’s important to remember that these savings bonds offer a safe and reliable way to grow your savings over time, making them a valuable addition to any investment portfolio.