buy from your hubby''s account and register under your ssn. repeat for each ssn. The limit is actually higher as you can buy another 10K under your trust account in the same year.
buy from your hubby''s account and register under your ssn. repeat for each ssn. The limit is actually higher as you can buy another 10K under your trust account in the same year. yolandos 发表于 2021-12-10 20:42
You probably didn't ask the right question. He can buy another 10K under his account and gift it to you. You will eventually need to open your own account then he can do the transfer. But you can open your account 10 years later, there is no deadline.
That's not correct. No where near 7%. ibond interest's fix rate has been pretty much zero or close to zero and the float rate resets evey 6 month depending on CPI. I can asure you past several years it was no where near even 5%, unless you are talking about those you bought 20 years ago where the fixed rate was at 3.x%
10K each SSN. you can buy under your own treasury direct and gift to them to your kids and the kids can then open their own account when they turn 18. yolandos 发表于 2021-12-10 21:09
I have not done any redemption on treasury direct. I lost interest when they dropped the limit from 30K to 10K and got rid of paper ibond. I only started buying again last year. I would think they will allow kids'' ibond to be redeemed without opening their own treasury direct account. I have done kid''s paper ibond redemption before, just walk into any bank and deposit into checking account but for treasury direct''s digital ibond you need to file form 1522 and mail it in. From what I understand kids'' will be primary owner and a parent will be a secondary owner so you should be able to redeem kids'' ibond too (you will need to pay the tax). Don''t take my words for it, though. Please call them and ask to get a confirmation. buy on the last day of a month (you get the whole month''s interest) and redeem on the first day of the month (you also get the whole month''s interest).
That's not correct. No where near 7%. ibond interest's fix rate has been pretty much zero or close to zero and the float rate resets evey 6 month depending on CPI. I can asure you past several years it was no where near even 5%, unless you are talking about those you bought 20 years ago where the fixed rate was at 3.x% yolandos 发表于 2021-12-10 21:11
you are incorrect. Look at the last table of below. 7-10% annually. https://www.treasurydirect.gov/indiv/research/indepth/ibonds/res_ibonds_iratesandterms.htm#past
you are incorrect. Look at the last table of below. 7-10% annually. https://www.treasurydirect.gov/indiv/research/indepth/ibonds/res_ibonds_iratesandterms.htm#past mathishard 发表于 2021-12-10 21:41
Last table showed how much those bond bought in the past (first column was the year bond was bought and assume you still have them now) will be paying now. If you have bought in 2015, for an example, your current rate will be at 7.12% but they would have been paid close to zero from 2015-2020, no where near even 5% because except for those very early years around 2000, the past 15 years the ibond fixed rate had been close to 0%.
You looked at the wrong table. Interest rate for I bond is at bottom. Fed is raising rate, inflation is going up. I bond rate should go higher mathishard 发表于 2021-12-10 21:49
You looked at the wrong table. Interest rate for I bond is at bottom. Fed is raising rate, inflation is going up. I bond rate should go higher mathishard 发表于 2021-12-10 21:49
I don''''t look up tables. I own tons of ibond in the past and still a lot even now (my emergency cash reserve) so I know the rate for the past 15 years. your statement: "你可以去网站上看它以前的利息，过去好几年都是起码7%..." is misleading at the least.
I don''''t look up tables. I own tons of ibond in the past and still a lot even now (my emergency cash reserve) so I know the rate for the past 15 years. your statement: "你可以去网站上看它以前的利息，过去好几年都是起码7%..." is misleading at the least. yolandos 发表于 2021-12-10 22:10
Looked it again. You are right. It’s mot as good as it seems then. Bummer. When something is too good to be true, it is
you are incorrect. Look at the last table of below. 7-10% annually. https://www.treasurydirect.gov/indiv/research/indepth/ibonds/res_ibonds_iratesandterms.htm#past mathishard 发表于 2021-12-10 21:41
Don't forget if you redeem less than 5 years you forfeit last 3 months' interest.
buy from your hubby''s account and register under your ssn. repeat for each ssn. The limit is actually higher as you can buy another 10K under your trust account in the same year.
我打电话问了，被告知我老公不能在我的账号下买， 必须自己建立一个账号。
我估计ibond能维持高息也就这一两年，后面的利息估计跟Heloc接近或者更低，ibond过了一年好像就可以拿到利息，那时候三个月息本来也不高了，具体还是看利差情况，不行去银行拿个开checking奖励再还回去
我只存了自己的，但是都说限制在ssn。现在马上年底，想想是利用额度的好时机
小孩不过18岁是不是只能买$5000 paper?
You probably didn't ask the right question. He can buy another 10K under his account and gift it to you. You will eventually need to open your own account then he can do the transfer. But you can open your account 10 years later, there is no deadline.
你可以去网站上看它以前的利息，过去好几年都是起码7%，现在通胀高了，应该更高
yeah. if the last 3 month interest become zero then there really is no penalty. Happend many months in the past.
我看是18以下也可以electronic bond，这应该是也能买一万吧？
10K each SSN. you can buy under your own treasury direct and gift to them to your kids and the kids can then open their own account when they turn 18.
That's not correct. No where near 7%. ibond interest's fix rate has been pretty much zero or close to zero and the float rate resets evey 6 month depending on CPI. I can asure you past several years it was no where near even 5%, unless you are talking about those you bought 20 years ago where the fixed rate was at 3.x%
没错，也就这次通胀数据高了突然利息高了。
inflation rate半年后能不能维持7%都不好说，我记得heloc 利息是一年一调整，所以有可能保持个利差
给孩子买的在transfer给他之前可以cash out吗？
HELOC rate floats with prime rate. They can adjust multiple times during a year if prime rate adjusts multiple times a year.
I have not done any redemption on treasury direct. I lost interest when they dropped the limit from 30K to 10K and got rid of paper ibond. I only started buying again last year. I would think they will allow kids'' ibond to be redeemed without opening their own treasury direct account. I have done kid''s paper ibond redemption before, just walk into any bank and deposit into checking account but for treasury direct''s digital ibond you need to file form 1522 and mail it in. From what I understand kids'' will be primary owner and a parent will be a secondary owner so you should be able to redeem kids'' ibond too (you will need to pay the tax). Don''t take my words for it, though. Please call them and ask to get a confirmation.
buy on the last day of a month (you get the whole month''s interest) and redeem on the first day of the month (you also get the whole month''s interest).
you are incorrect. Look at the last table of below. 7-10% annually.
https://www.treasurydirect.gov/indiv/research/indepth/ibonds/res_ibonds_iratesandterms.htm#past
You looked at the wrong table. Interest rate for I bond is at bottom. Fed is raising rate, inflation is going up. I bond rate should go higher
Last table showed how much those bond bought in the past (first column was the year bond was bought and assume you still have them now) will be paying now. If you have bought in 2015, for an example, your current rate will be at 7.12% but they would have been paid close to zero from 2015-2020, no where near even 5% because except for those very early years around 2000, the past 15 years the ibond fixed rate had been close to 0%.
最下面是是以前存的ibond现在的利息，因为今年inflation的rate高了，才导致以前基准利息高的ibond也高了。
长期投资还是大盘etf，只是现在股市涨这么久了，实在没法一下子都进股市，所以这一两年买ibond相对没风险
I don''''t look up tables. I own tons of ibond in the past and still a lot even now (my emergency cash reserve) so I know the rate for the past 15 years. your statement: "你可以去网站上看它以前的利息，过去好几年都是起码7%..." is misleading at the least.
Looked it again. You are right. It’s mot as good as it seems then. Bummer. When something is too good to be true, it is
Ibond这几年rate都很低的，就11月份开始这半年高，前半年也只有3.xx%，再早1点多。
半年0.99是一年1.98%？这个是不是很快就要涨了？
正常是3.x%，经常有开户给半年的优惠，0.99%，之后恢复到正常rate。
你的kid 能在你帐号下买
Buy I Bonds in Your Kid’s Name: You Can, But Should You?
https://thefinancebuff.com/buy-i-bonds-kids-name.html
这个我觉得孩子自己付学费，不免税那个很奇怪哎，irs说给自己，spouse，dependent付高等教育学费是免税的，为啥孩子的账号说不行？他们给自己付的学费啊！ 当然优先存自己和配偶的，小孩的如果是付学费肯定529好，但是别的呢？比如孩子成年以后要买房子，那你一年只能给3w，多少年才能攒够首付哦……
付大学学费免税需要买的时候满24岁，所以孩子的账号不行。买房子可以，不免税，但是需要孩子成熟自律留着这些钱付首付，看父母吹耳边风教育的效果了。