Impact of Inflation Trends on I Bonds Inflation is the primary factor driving ibond rate prediction. As inflation trends shift, so does the variable rate component of I Bonds. If inflation continues to cool, the variable rate may decline further, reducing the composite yield. However, the Treasury might raise the fixed rate slightly to keep I Bonds attractive. This dual dynamic unde... https://www.federalpensionadvisors.com/post/i-bond-rates-prediction-2025