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If your bond was issued in... Your bond will get the negative inflation rate on... If bond < 5 yrs (has 3 month penalty), optimal redemption is...
January July 1 October 1
February August 1 November 1
March September 1 December 1
April October 1 January 1
May May 1 August 1
June June 1 September 1
July July 1 October 1
August August 1 November 1
September September 1 December 1
October October 1 January 1
November May 1 August 1
December June 1 September 1

April CPI-U is posted = 236.599
Base line for next change (March) = 236.119
Total inflation for April = 0.20%

May CPI-U is posted =237.805  
Base line for next change (March) = 236.119
Total inflation for Apr+May = 0.71%

We have FOUR more months to go before new I-bonds inflation component rate will be set

Side Note: Dusted my crystal ball today and looks like for 2016 there will be NO changes for any 401k or IRA limits

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