U.S, Government Treasury is currently offering 7.12% Interest Rate in combined Fixed + Inflation Rate Earnings valid on newly issued Series I Savings Bonds purchased from November 2021 through April 2022. Limit of $10,000 / year in interest earnings per person.
Exactly. Before tresuary started treasury direct with electronic I-bond, folks have paid homeless people $10 each for their name and SSN walk into a bank and buy/create a paper bond like this: primary owner: homeless guy/gal SSN secondary owner: your SSN beneficary: spouse or the kid. The homeless have no idea he is the primary owner of the bond. 30K limit (old limit) per year was only set on primary owner so you can buy as much 30K bond as the number of homeless you can find and willing to participate. To redeem you can walk into any bank and deposit the paper bond into your own bank account and give your SSN and get 1099-INT under your SSN (you pay the tax), without even the homeless guy/gal present.
hahaha of course. But it is the principle 😄😄😄 to provide the right answer. to each her own! I would pick up a dollar bill from the floor and you probably wont.
first：because i-bond you buy on last day of the month, you get the interest of the whole month. Thus you want to buy on the last day (business day) and sell/redeem on the first day of a month (also get the whole month''s interest). second: you should setup your treasury direct and bank account ready before 12/30 and buy on 30th.
10K every calendar year and 5K paper i-bond （as tax refund per filing). set a reminder to buy on Dec 30th (31st might be cutting it too close) as you get full month''s interest. This means for 2022 you buy on Jan 28th。 On the other hand, you redeem on the first day of month (to get the full month''s interest). You have to hold for 12 month (or 11 if you optimized the buy timing) and if you redeem before 5 year is up, you forfeit the last 3 month of interest. ibond can have owner (primary owner), co-owner (secondary owner) and beneficiary. You don''t specify who will pay tax until you redeem as tax could go to either primary or secondary owner''s SSN. The purchase is counted towards the limit of the primary owner''s SSN. At this moment, you are only guarenteed the first 6 month''s interest of 7.12% annual rate as the float portion of the interest will reset 6 months down the road (based on offical CPI). i-bond interest can never go to negative so the worst case is that the float rate goes to zero or negative causing your second 6-month''s holding interest to go to zero. You end up roughly 3.5% for holding for a year (assuming you lose last 3 month interest which is zero in this hypothetical worst case scenario).
You must be at least 18 years old to have a TreasuryDirect account. Expiration Date is required if Driver's License/State ID is entered. Please enter the month and click Submit. Expiration Date is required if Driver's License/State ID is entered. Please enter the day and click Submit. Expiration Date is required if Driver's License/State ID is entered. Please enter the year and click Submit.
限制上写的是每人一万每个日历年，我的理解是12月买算2021年的，明年一月买算2022的，到2023年初可以取，损失3个月利息，利息高就留着，利息低了就取出来。 How much in I bonds can I buy as gifts? The purchase amount of a gift bond counts toward the annual limit of the recipient, not the giver. So, in a calendar year, you can buy up to $10,000 in electronic bonds and up to $5,000 in paper bonds for each person you buy for.Nov 3, 2021
You must be at least 18 years old to have a TreasuryDirect account. Expiration Date is required if Driver's License/State ID is entered. Please enter the month and click Submit. Expiration Date is required if Driver's License/State ID is entered. Please enter the day and click Submit. Expiration Date is required if Driver's License/State ID is entered. Please enter the year and click Submit.
buy under your own account using your kids' ssn for registration. It will stay in your account as gift and once the kid turns 18 you can transfer to the kid.
刚开账户了，稀里糊涂也买了（要到20号成交），但没有完全搞懂怎么加第二个OWNER或者是BENEFICIARY。经过查看HELP，我想应该是在买的那个网页最开始，要选择 ”ADD NEW REGISTRATION"，这样可以给别人买GIFT，或者自己加BENEFICIARY，是这样吗？ Registration Information Your preferred registration appears below. To use a different registration, choose one from the drop-down list or add another by clicking the Add New Registration button. 本来以为挺简单的，没想到有点复杂。另外小孩的要LINK MINOR ACCOUNT，有人说可以只用小孩REGISTRATION，然后这份BOND就一直在自己账户里面以GIFT存在，这样可以吗？那GIFT能再REDEEM吗？ 那如果都可以买GIFT存在自己账户里面，两个大人就只开一个账户就可以了，前面一个帖子说大人必须分别开账户。
回复 62楼的帖子 小孩的开了minor account，就挂在了自己名下，18岁之前可以用他们账户买卖 配偶的麻烦一些，网上有个解释，我看了一下太麻烦，还不如开两个账户 Your wife has to have her separate account. Then you (on your account) add a registration list by choosing Primary Owner. If you choose Beneficiary it would be POD (Payable On Death). Then go ahead and buy the I bonds with that registration. Here is the tricky part, you have to do the following to allow her to see the bonds and sell them from her account: 2 days later when the bonds is in your holdings, go to your account> ManageDirect menu > Manage My Securities subtitle > Assign View or Transact rights > Select Series I Savings Bond then click submit > Select the bond you number you want to give your spouse access to it then click submit Select > Click Add > And follow the prompts On her side she can see/perform transactions on the bonds under ManageDirect menu > Securities with Granted Transact Rights sub menu
刚开账户了，稀里糊涂也买了（要到20号成交），但没有完全搞懂怎么加第二个OWNER或者是BENEFICIARY。经过查看HELP，我想应该是在买的那个网页最开始，要选择 ”ADD NEW REGISTRATION"，这样可以给别人买GIFT，或者自己加BENEFICIARY，是这样吗？ Registration Information Your preferred registration appears below. To use a different registration, choose one from the drop-down list or add another by clicking the Add New Registration button. 本来以为挺简单的，没想到有点复杂。另外小孩的要LINK MINOR ACCOUNT，有人说可以只用小孩REGISTRATION，然后这份BOND就一直在自己账户里面以GIFT存在，这样可以吗？那GIFT能再REDEEM吗？ 那如果都可以买GIFT存在自己账户里面，两个大人就只开一个账户就可以了，前面一个帖子说大人必须分别开账户。 不晓得 发表于 2021-12-19 02:53
是的。你买了以后还可以改registration(under Manange Direct>Manage Securities>Edit a registration） 其实现在最佳是12/30号买（因为已经错过了11/30号的机会，12/31有点离月底太近） 小孩2个方案(link minor account or giftbox) 都可以. 没什么矛盾。 每年1万也是可以用front load的办法“绕开”。比如今天你就可以给spouse gift 100K i-bond放在giftbox里（new registration), 这100K马上就开始挣7.12%的利率, 然后以后10年每年转10K (spouse 以后10年当然自己不能买了) 因为giftbox是转的时候才开始核准SSN的年上限的，当然，但是这样操作这些100K bond你就是要长持10年了，好处是100K都能挣6个月的7.12% （个人不提倡） 还有，7.12%只是开始6个月的利率，第2个6个月的利率要到明年4月才知道(根据 Sep, 2021 - March, 2020 年CPI-U通胀率），根据2021年9，10，11月份的数据(274.310， 276.589， 277.948）来看，目前的年通胀率的趋势是2.65% 【(277.948 - 274.310) / 274.310 x 2=2.65%】 , 下面几个月12，1，2，3，通胀率都有可能降的.
回复 62楼的帖子 小孩的开了minor account，就挂在了自己名下，18岁之前可以用他们账户买卖 配偶的麻烦一些，网上有个解释，我看了一下太麻烦，还不如开两个账户 Your wife has to have her separate account. Then you (on your account) add a registration list by choosing Primary Owner. If you choose Beneficiary it would be POD (Payable On Death). Then go ahead and buy the I bonds with that registration. Here is the tricky part, you have to do the following to allow her to see the bonds and sell them from her account: 2 days later when the bonds is in your holdings, go to your account> ManageDirect menu > Manage My Securities subtitle > Assign View or Transact rights > Select Series I Savings Bond then click submit > Select the bond you number you want to give your spouse access to it then click submit Select > Click Add > And follow the prompts On her side she can see/perform transactions on the bonds under ManageDirect menu > Securities with Granted Transact Rights sub menu joyce612 发表于 2021-12-19 09:33
绝对不会跌破面值. past years of deflation already showed this. Fixed portion of the i-bond rate can never go negative, even through CPI-U can and have gone negative.
Exactly. Before tresuary started treasury direct with electronic I-bond, folks have paid homeless people $10 each for their name and SSN walk into a bank and buy/create a paper bond like this: primary owner: homeless guy/gal SSN secondary owner: your SSN beneficary: spouse or the kid. The homeless have no idea he is the primary owner of the bond. 30K limit (old limit) per year was only set on primary owner so you can buy as much 30K bond as the number of homeless you can find and willing to participate. To redeem you can walk into any bank and deposit the paper bond into your own bank account and give your SSN and get 1099-INT under your SSN (you pay the tax), without even the homeless guy/gal present.
without a minor account, redeeming for education (tax-free) could be hard to execute as from what I heard you do need a treasury direct account to redeem. It is not clear what will happens to the bond still in a gift-box upon maturity. Treasury does auto-generate a 1099-int upon bond's maturity so that's not a problem. My guess the money including interest will go to the account owner's bank account (don't quote me on this).
I would go with a gift: primary owner: SSN of your sponse secondary owner: SSN of you. primary owner: SSN of your kid secondary owner: SSN of you So anytime either of you or your spouse can redeem the bond. Ideally, kids should be the beneficiary in first case and spouse as beneficariy in the second just like any paper i-bond but I am not sure how it is achieved under treasury direct.
first：because i-bond you buy on last day of the month, you get the interest of the whole month. Thus you want to buy on the last day (business day) and sell/redeem on the first day of a month (also get the whole month''s interest). second: you should setup your treasury direct and bank account ready before 12/30 and buy on 30th.
🔥 最新回帖
mark
真不算钱。3W的7%，也就2100一年，而且这个也就是理想状态下。以后就没这么高了
hahaha of course. But it is the principle 😄😄😄 to provide the right answer. to each her own! I would pick up a dollar bill from the floor and you probably wont.
如果现金躺在saving account里，真没必要等到这个月的最后一天，早买早安心 😄
🛋️ 沙发板凳
就只能买一万，还不够折腾的。
本金一万，不过现在马上年底了，明年又能买，俩人四万也不少了。
Mark
这个利息会按复利计算但是到你取出得时候才需要交税。Tax deferred until redeemed or mature.
可以按需要提前支取
更正笔误哈：不是3，4年，如果redeem是3，4天财政部直接把钱打到你的银行账户
买了以后第一年内不能卖，5年之内卖损失3个月利息，5年以后随时可以卖（redeem）。卖得时候大概3，4年天到你的银行账户。
一般人可以买了作为emergency cash buffer, 比银行得money market，CD要好，因为没有什么风险。
论收益长期来说肯定不如股票。除了回报率不够，这个利息也是按ordinary income交税，不像股票是按long term capital gain交税。
请问哪个保本有7%利息的safe invest？
这个直接去财政部的网站买。treasury direct
另外利率不是总是这么高的，前几年不到1%。这段时间高是因为通胀高，这个利率和通胀指数挂钩。
感谢，加拿大也曾经到过9点多，估计未来会出现类似产品。再等等看，哈哈哈
3、4年到账？
re 被这个惊呆了
你看清楚点好不好，利率变了你取出来不就得了，一年以后就能取，损失最后三个月利息而已
对，而且加息现在是behind curve，通胀应该能够还高一会儿。没人让你存30年，只是emergency fund通胀下少亏一点罢了。股市如果崩了，自然是股市好，但是现在这个价位，未来几年很可能不如这个国债呢。
30年？？？疯了啊。。。
笔误笔误，3，4天到账哈
娃多的有优势，这两个月就可以进去十万。我开始也是想一两万不够折腾的，算算能存10万，先得有足够的闲钱
我觉得这个适合短期操作，放一年看看，一年多就可以取出来，如果运气好这期间股市崩盘了正好抄底。没崩的话只能继续定投大盘了。当然也可能踏空，不过7%的收益也还不错
另外一位说的按收入交税的确是个问题，不过加州本身资本收益有州税，我算算也差不多太多
😄，谢谢
ibond利息免州税，在加州还是挺划算的
明年通胀百分之一的话，没有抗通胀能力的中产能笑醒吧，亏啥？
不是一个人只能买1万吗？难道是每年一万？
10K every calendar year and 5K paper i-bond （as tax refund per filing).
set a reminder to buy on Dec 30th (31st might be cutting it too close) as you get full month''s interest. This means for 2022 you buy on Jan 28th。 On the other hand, you redeem on the first day of month (to get the full month''s interest). You have to hold for 12 month (or 11 if you optimized the buy timing) and if you redeem before 5 year is up, you forfeit the last 3 month of interest.
ibond can have owner (primary owner), co-owner (secondary owner) and beneficiary. You don''t specify who will pay tax until you redeem as tax could go to either primary or secondary owner''s SSN. The purchase is counted towards the limit of the primary owner''s SSN.
At this moment, you are only guarenteed the first 6 month''s interest of 7.12% annual rate as the float portion of the interest will reset 6 months down the road (based on offical CPI). i-bond interest can never go to negative so the worst case is that the float rate goes to zero or negative causing your second 6-month''s holding interest to go to zero. You end up roughly 3.5% for holding for a year (assuming you lose last 3 month interest which is zero in this hypothetical worst case scenario).
care to share a few better options than this？
当然是每人每年一万，总额一万还忙道啥？这不是到年底了吗，正好12月买今年，一月份买明年的。3孩子10万块一年弄7千利息（假设明年那次还能维持7%左右的话），相当于政府又发一次stimulus check
问一下买卖过I Bond的人，如果我一笔买了1万，以后卖的时候可以分几次卖吗（比如$2000一次卖5次）？
当然可以。treasury direct上的是电子形的，你可以捉弄treasury的话每次可以卖$25.
(paper i-bond 不一样，只能是根据面值卖，最小的是一张$25,最大一张是$5000)
我想你自己可以建个新的registration (里面可以有1 primary owner, 1 secondary owner and 1 beneficiary), 然后你买的时候就买在那个下面？
想用小孩的名字开个，好像不行哦？而且也没有驾照啊。
啊？我以为要等一年之后才可以买下一年的。到了一月就可以买下一年的？
谢谢。我本来以为这种账户类似CD账户，每一笔买进的卖的时候要全额一笔卖出。I bond可以随意选择卖的数额的话就有点类似savings账户了。
我已经建立了账户并提交了转账request。我以为和银行帐户那样随时可以增加和修改beneficiaries，但看了一下网页没找到这个选项，也许我需要填一个什么form。
找到了，在LZ原帖里有链接。谢谢
可以简单举两个例子吗？寻找安全投资途径，真心求建议
限制上写的是每人一万每个日历年，我的理解是12月买算2021年的，明年一月买算2022的，到2023年初可以取，损失3个月利息，利息高就留着，利息低了就取出来。
How much in I bonds can I buy as gifts? The purchase amount of a gift bond counts toward the annual limit of the recipient, not the giver. So, in a calendar year, you can buy up to $10,000 in electronic bonds and up to $5,000 in paper bonds for each person you buy for.Nov 3, 2021
它不发5000面值,我报税时填了买5000美元纸质i-bond,结果同时收到22封信,每封里一张I-bond,有不少是$25的！！！
你们还真信啊，那个id无非就是什么定投大盘，证据就是过去十年平均多少多少return。
无风险7%的投资，地球上就没有。当然这个所谓7%就是这几个月，接下来不知道能是多少
我家每年都买了一些，当做无风险紧急资金用的，而且抗通胀，至少钱在里面不贬值。
buy under your own account using your kids' ssn for registration. It will stay in your account as gift and once the kid turns 18 you can transfer to the kid.
同问！
Registration Information Your preferred registration appears below. To use a different registration, choose one from the drop-down list or add another by clicking the Add New Registration button.
本来以为挺简单的，没想到有点复杂。另外小孩的要LINK MINOR ACCOUNT，有人说可以只用小孩REGISTRATION，然后这份BOND就一直在自己账户里面以GIFT存在，这样可以吗？那GIFT能再REDEEM吗？
那如果都可以买GIFT存在自己账户里面，两个大人就只开一个账户就可以了，前面一个帖子说大人必须分别开账户。
小孩的开了minor account，就挂在了自己名下，18岁之前可以用他们账户买卖 配偶的麻烦一些，网上有个解释，我看了一下太麻烦，还不如开两个账户 Your wife has to have her separate account. Then you (on your account) add a registration list by choosing Primary Owner. If you choose Beneficiary it would be POD (Payable On Death). Then go ahead and buy the I bonds with that registration. Here is the tricky part, you have to do the following to allow her to see the bonds and sell them from her account: 2 days later when the bonds is in your holdings, go to your account> ManageDirect menu > Manage My Securities subtitle > Assign View or Transact rights > Select Series I Savings Bond then click submit > Select the bond you number you want to give your spouse access to it then click submit Select > Click Add > And follow the prompts
On her side she can see/perform transactions on the bonds under ManageDirect menu > Securities with Granted Transact Rights sub menu
是的。你买了以后还可以改registration(under Manange Direct>Manage Securities>Edit a registration）
其实现在最佳是12/30号买（因为已经错过了11/30号的机会，12/31有点离月底太近）
小孩2个方案(link minor account or giftbox) 都可以. 没什么矛盾。
每年1万也是可以用front load的办法“绕开”。比如今天你就可以给spouse gift 100K i-bond放在giftbox里（new registration), 这100K马上就开始挣7.12%的利率, 然后以后10年每年转10K (spouse 以后10年当然自己不能买了) 因为giftbox是转的时候才开始核准SSN的年上限的，当然，但是这样操作这些100K bond你就是要长持10年了，好处是100K都能挣6个月的7.12% （个人不提倡）
还有，7.12%只是开始6个月的利率，第2个6个月的利率要到明年4月才知道(根据 Sep, 2021 - March, 2020 年CPI-U通胀率），根据2021年9，10，11月份的数据(274.310， 276.589， 277.948）来看，目前的年通胀率的趋势是2.65% 【(277.948 - 274.310) / 274.310 x 2=2.65%】 , 下面几个月12，1，2，3，通胀率都有可能降的.
Paper I-bond always have primary owner, secondary owner and beneficiary and they can be sent to treasury and converted to electronic form.
看我上面的帖子，我的理解是这些REGISTRATION是说这个BOND在谁的名下，外加BENEFICIARY。 SOLE OWNER：单个人拥有，可以用别人的名字，买了作为GIFT给别人。 PRIMARY OWNER: 两个人拥有，但不知道怎么算每人每年的10000 LIMIT，两人各一半？ BENEFICIARY：就是拥有人加死后受益人。看说明，好像没有受益人的话，死后这个BOND算遗产，应该根据遗嘱或其它方式处理吧。
不知道我的理解对不对，欢迎有经验的讨论一下。ANYWAY，感觉搞得还很复杂。
即使这样做，那不是还需要单独开ACCOUNT。你说的这个适用于配偶没钱买，你买了给配偶。对我们来说纯粹多此一举。
直接在配偶账户里面买应该更简单。
另外MINOR如果开了ACCOUNT，那肯定LINK后，进行单独操作了。看前面帖子，感觉可以不开MINOR ACCOUNT，纯粹用MINOR的SSN买GIFT BOND。但这个GIFT BOND买了后，一直在大人账户里面，可以REDEEM吗? 还是说最后一下子转到小孩18岁的账户里面（能一下子全部转吗，还是要10000/年转？）。如果是后者，那在转给小孩前是死期了，不方便吧。
我也想过只开一个账户，如果可以给配偶，或者任何别人买，作为GIFT BOND保留在自己账户里面，然后过一阵子卖掉，那怎么控制10000/年 限制。另外别人也不知道你用他的SSN买了。
应该不会，除非买了后，一直基准利息为0，然后通货紧缩导致浮动利率为负。
从前面发的所有历史利率，最近20年算下来的平均利率是4.288%。
我觉得买这个I-BOND就是想抗衡今后几年的通货膨胀，除非银行开始推出利率很高的CD。
正解。不管谁买，最后收益的那个人必须有账户。另外如果大家有多个银行账号想link，比如用一个帐号给自己买，另一个帐号给队友买，（假设你们有独立帐号）。那么第二个帐号则必须寄信或者人工验证。不能在网上直接link。大家为避免麻烦，不如一人建一个帐号。
绝对不会跌破面值. past years of deflation already showed this. Fixed portion of the i-bond rate can never go negative, even through CPI-U can and have gone negative.
Exactly. Before tresuary started treasury direct with electronic I-bond, folks have paid homeless people $10 each for their name and SSN walk into a bank and buy/create a paper bond like this:
primary owner: homeless guy/gal SSN secondary owner: your SSN beneficary: spouse or the kid.
The homeless have no idea he is the primary owner of the bond. 30K limit (old limit) per year was only set on primary owner so you can buy as much 30K bond as the number of homeless you can find and willing to participate. To redeem you can walk into any bank and deposit the paper bond into your own bank account and give your SSN and get 1099-INT under your SSN (you pay the tax), without even the homeless guy/gal present.
without a minor account, redeeming for education (tax-free) could be hard to execute as from what I heard you do need a treasury direct account to redeem. It is not clear what will happens to the bond still in a gift-box upon maturity. Treasury does auto-generate a 1099-int upon bond's maturity so that's not a problem. My guess the money including interest will go to the account owner's bank account (don't quote me on this).
I would go with a gift:
primary owner: SSN of your sponse secondary owner: SSN of you.
primary owner: SSN of your kid secondary owner: SSN of you
So anytime either of you or your spouse can redeem the bond. Ideally, kids should be the beneficiary in first case and spouse as beneficariy in the second just like any paper i-bond but I am not sure how it is achieved under treasury direct.
孩子的也得有他自己的银行账户？
谢谢解答！
孩子可以和你用一个银行账户
想先感谢mm这么详细的指导，小白我从来没买过国债或者ibond，所以多问几句。 1、我想问为什么12/30是最佳买入时期？ 2、如果我12/30当天去网上开户，操作转钱，因为银行都有几天的转账时间，会不会拖到1月份才真正的买到呢？ 谢谢先
保本每年保证7%的利息？想啥那，现在哪有这好事儿 这个一样不保本，除非你能hold到30年的maturity date
我在等那个ID回我啊。等了好几天，结果丫遁了
这个当然保本啊，利息是0本金也不会少。一年以后取损失最后三个月利息而已。又不是必须等到30年maturity才能取
现在立马去开户, 如果你的银行帐户需要certify,今年很可能来不及了,尽量用大的银行,避免它要你certify银行帐号
No. 最差是不再增加: 利息最低到0%, 利息半年调整一次, .
理论上在maturity date前取是有可能亏钱的，当然这种可能性现实中非常小
不能理解。你这可能性就没有。你说说利息大于等于0的情况下，怎么才能亏钱？
first：because i-bond you buy on last day of the month, you get the interest of the whole month. Thus you want to buy on the last day (business day) and sell/redeem on the first day of a month (also get the whole month''s interest).
second: you should setup your treasury direct and bank account ready before 12/30 and buy on 30th.