To optimize returns from Series I Savings Bonds in 2025, investors should consider the timing of their purchases and redemptions. The current composite annual rate of 3.98% is advantageous, but future rates may differ. Purchasing I Bonds early in the six-month period ensures that the fixed rate is locked in for the longest duration possible. Additionally, holding the bonds for at leas... https://www.federalpensionadvisors.com/post/i-bond-rates-prediction-2025