I Bonds: An Inflation-Adjusted Savings Option That Protects Your Principal [2026.10 Update: 1.40% Fixed Rate, 5.51% Composite Rate]
physixfan 2026-10-31 2026-10-31 [2026.10 Update] Starting November 1, 2026, the new fixed rate is 1.40%, and the inflation component is 4.08% on an annualized basis. Together, they produce a composite annual rate of 5.51% for the first six months on newly purchased I Bonds. The inflation component is nothing extraordinary, but…