Low interest rates persist since the financial implosion of 2008. This low interest rate environment has profound implications for anyone trying to invest and save for retirement. 

Recent high inflation levels have created a volatile situation with regard to interest rates. Rates on U.S. Treasury securities have bounced around and swung by almost a full percentage point in recent months.

I Bonds are now paying the highest interest rate seen for many years. 

Bond investors have seen declines in the current value  of their holdings.

Borrowers, particularly home buyers, have seen long term mortgage rates almost double since January 2022.

This is a very challenging environment and it pays to shop around when looking for a new CD. And everyone should have I Bonds as part of their portfolio.

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What are negative interest rates?