Strategic Considerations for Investors If you're holding older I Bonds with a 0% or near-zero fixed rate, now may be the time to reevaluate. With the current rate for i bonds offering a fixed rate of 1.20%, and the i bond fixed rate prediction suggesting a continued upward trend over the long term, new I Bonds might offer better returns. However, early redemption comes with a penalt... https://www.federalpensionadvisors.com/post/i-bond-rates-prediction-2025