I normally buy with “cash” unless there is a favorable finance offer.

Here is my argument, is it “not recommended or not smart” to buy Apple stock that give me a guarantee 4% every year? And you are suggesting me to buy cryptocurrency because it can do 400% in return?

In theory everyone should buy Crypto instead because it has better return than Apple stock and S&P?

If a stock still gain 4% even S&P tank 10% this year, don’t you want to buy this stock instead? It is all come down to how much you can handle the volatility.

IBond is not really a short term investment IMO (I personally view them like a 5 years CD) since less than 5 years there will be a 3 months interest penalty.

To me it is kinda strange. On April 2023 you will need to pay a tuition bill, you are planning to sell the ibond to pay for the tuition and then buy iBond again?

The math would be the interest you save by using iBond for payment minus the early withdraw fee