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    I Bonds

    Senior inflation protection.

    What are I Bonds

    • US Treasury bonds.
    • Inflation-adjusted.
    • Senior safe + inflation hedge.
    • $10k/year per person limit.
    • 1-yr lock.
    • 30-yr maturity.

    Buy at TreasuryDirect

    • treasurydirect.gov.
    • Free.
    • Senior buy electronically.
    • Tax refund $5k extra paper bonds.
    • Trusted government.
    • Direct.

    Senior pros

    • Federal tax-deferred.
    • State tax-free.
    • Senior stable income.
    • Inflation-beating.
    • FDIC-equivalent safe.
    • Worth portion.

    Senior cons

    • $10k limit per year.
    • 1-year lock no withdrawals.
    • 5-year early withdrawal penalty 3 months interest.
    • Senior longer-term.
    • Plan ahead.
    • Not emergency fund.

    Couples

    • $10k each = $20k/yr.
    • Plus $5k tax refund each.
    • Senior $30k/year possible.
    • Worth maxing.
    • Beneficiary set.
    • Estate planning.

    Compare HYSA

    • Marcus 4-5% APY.
    • I Bonds variable.
    • Senior diversify.
    • Mix both.
    • HYSA accessible.
    • I Bonds locked.

    $10k/yr I Bonds = senior inflation hedge

    Senior buy $10k/year I Bonds at treasurydirect.gov for inflation-protected savings. Couples = $20k. Plus $5k each tax refund paper. Federal tax-deferred + state tax-free. 1-yr lock — not emergency fund. Mix with HYSA for both. Worth maxing.

    I Bonds for Senior Savers | TekSure