Risks and Benefits of I Bonds in 2025 I Bonds are among the safest investment options backed by the U.S. government, but they come with trade-offs. The i bonds fixed rate is locked once purchased, and early redemptions (within five years) forfeit three months of interest. The i bond fixed rate prediction for May 2025 suggests a slight decrease, so buying early could be beneficial. Ho... https://www.federalpensionadvisors.com/post/2025-irmaa-brackets