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I Bonds Paying 9.62%... What's The Catch?

I Bonds Paying 9.62%… What’s The Catch?

Right now, I-bonds present an extremely attractive 9.6% rate of return. So, how come we never hear about I-bonds? Learn why I-bonds are currently popular, how to buy them, and whether you should in this snappy episode of the Dollar Wise Podcast.

Tune into this episode to learn:

  • How much money you can make by investing in I-bonds
  • Pros and cons of buying I-bonds
  • Whether you should use your emergency fund to buy I-bonds


[00:32] Episode overview: I Bonds

[01:23] Why are I Bonds popular right now?

[02:43] Are I-bond returns guaranteed?

[04:35] How much I-Bonds can you buy?

[05:21] How long is your money tied up for when you buy I-bonds?

[06:51] What are I-bonds good for? Reasons to buy I-bonds.

[09:30] How to buy I-bonds.


  1. I-Bonds are purchased from the US government. You can buy them from Their interest rate is pegged to inflation. This is why they are popular right now with inflation running just over 9%.
  2. I-Bond returns are guaranteed. The rate of return is recalculated every 6 months. Right now that rate is 9.6% but the rate will get recalculated every 6 months.
  3. At maximum, each US citizen can only buy $15,000 of I-bonds each year.


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HFM Investment Advisors, LLC is a registered investment adviser. All statements and opinions expressed are based upon information considered reliable although it should not be relied upon as such. Any statements or opinions are subject to change without notice. Information presented is for educational purposes only and does not intend to make an offer or solicitation for the sale or purchase of any specific securities, investments, or investment strategies. All investments involve risk and are not guaranteed. Information expressed does not take into account your specific situation or objectives and is not intended as a recommendation appropriate for any individual. Listeners are encouraged to seek advice from a qualified tax, legal, or investment advisor to determine whether any information presented may be suitable for their specific situation. Past performance is not indicative of future performance.

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