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#i-bonds

I Bonds

Series I Savings Bonds — inflation-linked Treasury bonds for personal and business cash reserves, including rates, purchase limits, and tax treatment

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Series I Savings Bonds in 2026: An Inflation Hedge for Personal and Business Cash Reserves
·mike

Series I Savings Bonds in 2026: An Inflation Hedge for Personal and Business Cash Reserves

At the May 2026 reset, Series I Savings Bonds pay a 4.26% composite rate — a 0.90% fixed rate locked for 30 years plus a 3.34% annualized inflation rate — with state-tax exemption and a $10,000-per-SSN annual cap. A practical guide to where I bonds fit in personal and small-business cash strategy, including LLC entity-account stacking, the 12-month lock and 5-year penalty, and the education-exclusion rules.

i-bonds
inflation
treasury-management