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TheKingJacobo t1_iug1mib wrote

I'm in a similar boat. Option 3 is a CD (3, 6, 9 a 12mo term). Rates are 3 and even 4%+ in those time horizons. Do that so it's truly liquid after that time. I bonds are stuck for a minimum of 12mo, with a 3 month penalty.

I bonds are NOT an emergency fund. Emergency funds belong in a HYSA.

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Varathien t1_iugovm8 wrote

I bonds can serve as an emergency fund after the first year.

1