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My understanding (from reading the Sloan article) is that I-bonds can't drop below 0% rate, at least.

Correct. But that's different than having the 0% days behind us, which was my point.

Look - I'm not saying that I-bonds are a bad thing. I'm just saying that characterizing them as a 'locked in high yield' isn't correct either. They need to be purchased with the understanding that the rate they pay can and does vary, and can go as low as 0%. If that fits in your portfolio, great. But if you are looking for a bond that produces a set amount of income, or a minimum of what they are currently producing, then they probably aren't so great.

AJ
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