Expected Composite Rate for New I Bonds The i bond fixed rate prediction for May 2025 suggests a slight drop in the fixed rate from 1.20% to 1.10%. When combined with the expected inflation-driven variable rate of 2.86%, the resulting composite rate would be about 3.98%. This ibond rate prediction still makes I Bonds a conservative, inflation-protected investment. Although not as hi... https://www.federalpensionadvisors.com/post/i-bond-rates-prediction-2025