回复 3楼yolandos的帖子 你是说calendar year limit 是按收到gift的时间，不是按买gift的时间？我觉得不是的，因为买的时候会需要SSN,买了gift不一定要马上送给收gift的人。 贝壳贝壳 发表于 2021-12-28 19:44
不是。你今年可以买10K当gift (and it will start earning interest right away in your gift box)，但是如果是明年给gift的话(meaning doing the transfer)，接受gift的人明年就不能买了。Every calendar year one can either buy 10K or be gifted(i.e. transfered to your account) 10K but not both. Most people here are not regular i-bond buyers (who buys every year) so it should not be a problem. You can transfer the gift in 2023, for an example. So you can actually gift as many 10K (say 200K) as you want to a single SSN right now but every year you can only transfer 10K to that gift receiver. In my example of 200K purchase, it takes 20 years to do the transfer. This is called front loading.
Keep in mind that you will forfeit your 2022 purchase limit (10K) if you are gifted 10K in 2022.
你是说calendar year limit 是按收到gift的时间，不是按买gift的时间？我觉得不是的，因为买的时候会需要SSN,买了gift不一定要马上送给收gift的人。
不是。你今年可以买10K当gift (and it will start earning interest right away in your gift box)，但是如果是明年给gift的话(meaning doing the transfer)，接受gift的人明年就不能买了。Every calendar year one can either buy 10K or be gifted(i.e. transfered to your account) 10K but not both. Most people here are not regular i-bond buyers (who buys every year) so it should not be a problem. You can transfer the gift in 2023, for an example.
So you can actually gift as many 10K (say 200K) as you want to a single SSN right now but every year you can only transfer 10K to that gift receiver. In my example of 200K purchase, it takes 20 years to do the transfer. This is called front loading.
涨知识了！