I BONDS

New I bond rate: 5.51%

Nov. 2026 to April 2027

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Composite

5.51%

First 6 months

For bonds bought Nov. 1 to April 30.

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Fixed rate

1.40%

Locked for life

Never changes for up to 30 years.

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Inflation part

4.08%

Annualized

Resets every 6 months.

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Limit

$10,000

Per person a year

Electronic bonds at TreasuryDirect.

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Minimum

$25

To start

Buy any amount to the penny.

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Hold

12 MONTHS

Minimum

You can’t cash out before a year.

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Penalty

3 MONTHS

Of interest

If cashed before 5 years.

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Tax

NO STATE TAX

On interest

Federal tax can be deferred.

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Lock in the fixed rate

How to buy, step by step

Read the guide

nexgenheadlines.com

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