BASICS
THANKS to rising in flation, Series I savings bonds have enjoyed a boom in popularity. I bonds issued from May 2022 through October 2022 earned a compos ite rate of 9.62% for the first six months, which prompted inves tors to stash more than $1 billion in I bonds in October alone. I bonds issued from May 2023 through October 2023 pay a com posite interest rate of 4.3% dur ing the first six monthsâa signifi cant drop but still an attractive return for a noÂrisk investment.
Although savings bonds can earn interest for up to 30 years, you may want to redeem them earlier. You can cash in I bonds, as well as EE bonds (which pay a fixed 2.5% rate for bonds is sued from May through Octo ber 2023), after youâve owned them for a year. But if you re deem bonds within five years, youâll lose the last three months of interest. Here are the steps you need to take if youâre ready to cash in your savings bonds.
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