Series I savings bonds, also called I bonds, are savings bonds offered directly by the U.S. government to help protect your money from inflation. They offer competitive interest rates backed by the federal government, so you’re virtually assured of getting back the money invested. Their interest rate combines a fixed rate that stays with the bond for its life and an inflation rate that resets every six months. I bonds earn interest for up to 30 years or until you redeem them. I bonds became more noticeable when inflation rose sharply in the early 2020s and their inflation-adjusted rates increased.
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