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Small correction, EE and I bonds are long term bonds (20 years to get the value doubling on EE bonds, which is the only reason to own them, but the implied ~3.5% of that makes them very competitive with other long term options atm). But the general point of your comment is right, 3.5% risk free isn't bad at all compared to most options.

You're right, I should have used "and" instead of "e.g." there for the EEs in particular.

I-bonds are not necessarily long-term bonds, other than the 12 month non-liquidity window up front. No?

Good point, I-bonds can be redeemed after 12 months, but they have a 3 month interest penalty if you redeem them before 5 years. But that's really not bad at all. So they're long term in that they guarantee their base rate for a long time, but are unusually liquid in that they can be redeemed very flexibly.

I really like those two bonds. I guess that's why they're limited to $10k/yr each :-)

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