Treasury, I Bond & TIPS Rate Watch

Why this is recommended

Buying I bonds before a fixed rate drop, redeeming after the three-month penalty window on a low rate, or rolling into a 4-week bill ladder at a higher yield each adds hundreds of dollars a year on a $10,000 position.

What the Tab covers

Who it is for

The 10 million savers who moved cash into I bonds and T-bills since 2022 and want to know when to buy, hold or redeem.

When it runs

Treasury sets I bond rates on May 1 and November 1, auctions bills weekly and notes monthly, and the CPI print that drives the next I bond rate lands mid-month

Scope

TreasuryDirect announcements; Treasury auction results; BLS CPI releases and I bond rate projections from established bond analysts; Fidelity, Schwab and Vanguard brokered CD and money market yields; IRS rules on I bonds bought with refunds

Suggested task

The objective your Tab starts with. You can edit every line of it once the Tab is yours.

I bond composite and fixed rate announcements, the CPI-implied estimate for the next rate, Treasury bill, note and TIPS auction results with yields, TreasuryDirect rule and login changes, purchase limit changes, tax refund bond rule changes, and brokered CD and money market yields that beat Treasuries, with the instrument and the yield first.

Track Treasury savings products for US savers. Report only confirmed, source-backed items from the last 7 days: I bond composite and fixed rate announcements on May 1 and November 1; the CPI-implied estimate for the next I bond rate after each BLS CPI release; 4-week, 8-week, 13-week, 26-week and 52-week bill and 2-year, 5-year and 10-year note auction results with yields; TIPS auction results and real yields; TreasuryDirect purchase limit, gifting, login or delivery changes; and brokered CD or money market yields at Fidelity, Schwab and Vanguard that exceed the comparable Treasury by 0.25 points or more. Prefer TreasuryDirect, Treasury auction results, BLS and brokerage yield pages; ignore forecasts without a CPI basis. Put the instrument and the yield first in the title. Use high severity for an I bond rate announcement, a fixed rate change of 0.5 points or more, or a rule change affecting redemptions. Return no more than 6 findings. Push each as a finding with a title, a two-sentence summary, sections for the rate, what it means for buy, hold or redeem decisions, the date, and the source link. If nothing qualifies, push nothing and submit the run receipt.