How much $$? I bonds through treasury direct change interest every 6 months. It’s tied to inflation. You can buy up to $10k a year.
The first 6 mos are 9.62. Then it will change.
They are US govt securities so safe.
You hold for 5 years or give 3 mos interest back if sell earlier. . I bought. If the rate goes way down so I’ll lose 3 months if I sell. No big deal. My first 6 months was 7.2%. I bought in the previous round.
One thing - I don’t believe you get paid til you sell so you are not earning while the feds hold your money. You get paid at time of sale.
Was easy to set up and purchase.
https://www.treasurydirect.gov/indiv/research/indepth/ibonds/res_ibonds_iratesandterms.htm#now