Series I savings bonds look simple—government-backed, inflation-linked, and easy to buy online—but the rules hide in the fine print. Rates change twice a year, limits reset on a calendar schedule, and taxes work differently from your bank account. Even the day of the month you buy or sell can change what you earn. Add in gift mechanics and education tax perks, and it’s no wonder savers get mixed up. These seven clarifiers will keep your I-bond strategy clean and confusion-free.
