Here’s what I suggest. Ignore all those complicated analysis (an example) of yields and returns and comparisons with other fixed-return financial products. Buy these bonds if and only if:
- Your objective is to lower your income tax, and
- You fall in one of the highlighted cells below.
In such a case, opt for the Series – 4 option. Else, don’t bother. Put your money to better use — get started on that emergency fund or make an extra payment against your loan’s principal.
Contrarian to what everyone else’s saying?
Note: Published this post ahead of its schedule given the issue closing date.