Forecasting the future rates of Series I Savings Bonds involves analyzing economic indicators, particularly inflation trends. As of May 2025, the composite annual rate is 3.98%, but this rate is subject to change based on the inflation component, which adjusts every six months. Economic factors such as consumer price index (CPI) movements and Federal Reserve policies play a significan... https://www.federalpensionadvisors.com/post/i-bond-rates-prediction-2025