"People are naturally asking us: When is the best time to get out of I bonds?" said certified financial planner Jeremy Keil at Keil Financial Partners in Milwaukee.
However, the best time to sell may vary, depending on when you purchased the I bonds, along with your investing goals, said Keil, who has addressed the question on hisOne of the big downsides of purchasing I bonds is you can't access the money for at least one year. But there's another sneaky pitfall: a penalty for selling the asset within five years.
"You lose that last three months of interest," said Ken Tumin, founder and editor of DepositAccounts.com. "And that will chop down your total earnings."