Timing Your I Bond Purchase in 2025 Strategic timing is key when investing in I Bonds. If you buy before May 2025, you can lock in the current rate for I Bonds of 3.11%, which includes a relatively high i bonds fixed rate of 1.20%. Based on i bond rates prediction 2025, the fixed rate may decrease slightly, while the inflation component increases. Those who invest now will retain the... https://www.federalpensionadvisors.com/post/2025-irmaa-brackets