. What the Experts Say About I Bonds in 2025 Financial experts remain cautiously optimistic about I Bonds. The ibond rate prediction for 2025 shows composite rates climbing to nearly 4% in the next cycle. The i bond fixed rate is also historically high at 1.20%, though it may dip slightly in May. As a result, many investors are advised to buy before the new rates are announced. Keepi... https://www.federalpensionadvisors.com/post/2025-irmaa-brackets