I would like to know if this is a good time to buy either EE bonds or I bonds. Should I invest today or wait until November? Do you think that rates will increase in November? Tom's response Your question is more complicated than it appears to be. Because of the way Savings Bonds rates are adjusted every six months, you'll earn the rate announced in November for six months whether you buy now or in November. You'll just earn it at a different time. For example, if you buy now, you'll get today's rate for Sep through Feb and November's rate from Mar through Aug. If you buy in November, you'll get the November rate from Nov through Apr and whatever rate is announced next May for May through October. So you're really asking whether today's rate is higher or lower than whatever rate will be in effect right before you redeem the bond at some unknown point in the future. Unfortunately, there's no way to know the answer to that question. The experts say we should just invest about the same amount every month or quarter. It's easy to do with TreasuryDirect. All that said, it does appear the November rate for EE bonds will be higher than the current 2.84% - probably in the 3.25% - 3.5% range. For I bonds, inflation slowed down in August - if it continues at this rate in September, the I bond rate will be close to the 3.39% it's at now. The Savings Bond one-year rate (current rate plus projected rate minus 3-month interest penalty) if you buy today is about 2.25% for EE bonds and 2.5% for I bonds. One-year bank CD rates are also improving and are currently averaging about 2.25%.