Hmmm ya so perhaps the ibond is better since it adjust for inflation. I dont mind 5 or 10 year cds or bobds, but 30 is a long time. Part of me would want to throw it into a stock of a company that repurchases with dividends but I suppose same principleView attachment 1871039 Another view on bonds
Start at bottom you see how what fixed rate “was” in 1998 and said rate progressively decreased I didnt include last few years
Inflation component changes