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Strategies & Market Trends : Technical analysis for shorts & longs

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To: Johnny Canuck who wrote (67411)	10/31/2025 11:43:47 AM
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Skip Navigation Share Article via FacebookShare Article via TwitterShare Article via LinkedInShare Article via Email Personal Finance Treasury Department announces new Series I bond rate of 4.03% for the next six months Published Fri, Oct 31 202510:05 AM EDTUpdated 2 Hours Ago Kate Dore, CFP®, EA @in/katedore/ WATCH LIVE Key Points Series I bonds will pay 4.03% through April 2026, the U.S. Department of the Treasury announced Friday. The latest I bond rate is up from the 3.98% rate offered through October. Current I bond owners will see rates adjust based on their purchase date. Jetcityimage \| Istock \| Getty Images The U.S. Department of the Treasury has announced new rates for Series I bonds. Newly purchased I bonds will pay 4.03% annual interest from Nov. 1 through April 30, which is up from the 3.98% yield offered through Oct. 31. The new rate includes a variable portionof 3.12%,based on inflation data, and a fixed portionof 0.90%. The combined rate is 4.03% after rounding, according to the Treasury. The fixed rate is down from 1.10%announced in May. Read more CNBC personal finance coverage Student loan class action effort: Trump official, credit agencies hurt borrowers’ scores Treasury Department: Series I bond rate of 4.03% through April 2026 Taxpayers may see ‘record tax refund season’ in 2026, analysts say Millions face ‘huge sticker shock’ when ACA open enrollment starts Nov. 1 Here’s the maximum 2026 Social Security full retirement benefit, after 2.8% COLA Student loan forgiveness for public servants to be limited under Trump Democrats propose increasing VA, Social Security benefits by $200 a month Adjustable-rate mortgages are ‘underappreciated,’ top advisor says How the 2026 Social Security payroll tax cap could impact your paycheck What this Fed rate cut means for your credit card, mortgage and savings account How the Fed’s decision to lower rates could widen the generational wealth gap This investing move is the ‘holy grail of retirement planning,’ advisor says What another Fed cut could mean for borrowers — some rates may barely budge What student loan borrowers need to know, as forgiveness resumes under two plans Americans face a retirement ‘confidence paradox’: How to gauge readiness CNBC’s Financial Advisor 100: Best financial advisors, top firms for 2025 ranked View More In May 2022, the I bond rate hit a record high of 9.62%, and many investors flooded into the government-backed, nearly risk-free asset. Since then, some shorter-term investors have redeemed holdings amid falling inflation and rates. But other long-term investors have purchased I bonds over the past couple of years to lock in the higher fixed rate. How I bond rates work I bond rates have a variable and fixed portion, which the Treasury adjusts every six months, in May and November. The combined yield is known as the “composite rate,” which is paid to investors for a six-month period. The variable rate is tied to inflation, and stays the same for six months after your purchase date, regardless of the Treasury’s next adjustment. Meanwhile, the fixed rate stays the same for the life of your I bond after purchase. The fixed portion can be harder to predict, and the Treasury doesn’t disclose how it calculates the change. watch now VIDEO02:59 Survey shows respondents are confident in retirement amount but not factoring inflation, healthcare How the change impacts current I bond investors If you currently own I bonds, there’s a six-month timeline for rate changes, which shifts depending on your original purchase date. After the first six months, the variable yield changes to the next announced rate. But the fixed rate stays the same for the entirety of your holding. For example, let’s say you purchased I bonds in March. Your variable rate would be 1.90% and shift to 2.86% in September. Your fixed rate remains at 1.2%. At that point, your new composite rate would be 4.06%. You can earn I bond interest for up to 30 years, or less if you redeem the assets before that. However, you can’t cash in I bonds for at least one year after purchase. If you redeem within five years, you lose your last three months of interest. WATCH LIVESTREAM Prefer to Listen? NOW Money Movers UP NEXT Halftime Report Subscribe to CNBC PRO Subscribe to Investing Club Licensing & Reprints CNBC Councils Select Personal Finance CNBC on Peacock Join the CNBC Panel Supply Chain Values Closed Captioning Digital Products News Releases Internships Corrections About CNBC Ad Choices Site Map Podcasts Careers Help Contact News TipsGot a confidential news tip? We want to hear from you. Get In Touch CNBC NewslettersSign up for free newsletters and get more CNBC delivered to your inbox Sign Up NowGet this delivered to your inbox, and more info about our products and services. Advertise With Us Please Contact Us Privacy Policy Your Privacy Choices CA Notice Terms of Service © 2025 CNBC LLC. All Rights Reserved. A Division of NBCUniversal Data is a real-time snapshot *Data is delayed at least 15 minutes. 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