Are I-Bonds worth buying with a floor rate of 0%
I have never purchased I-Bonds before and have noticed that a lot of you prefer these over laddering CD's. The question I have is are they still a good deal with the floor rate being 0%? Would you wait for the floor rate to increase first?
Also, how do you track these in YNAB? Do you track them as one account for each individual bond or do you combine the bonds into one account? I can see individual bonds as getting difficult to track since you may end up with a significant number.
Do you track them as on or off budget?
I track them as one account. Treasury Direct will provide you with an aggregate number. I keep the account on budget. You just have to realize that there is
The composite rate is based on inflation, whereas bank rates are not. It's up to you if you want to buy with a 0% fixed rate component. If you had asked me in April, I would have said no, but now I'm thinking otherwise.