Yes。 But I would wait until end of Jan (towards the last business day) to buy your 10K 2022 i-bond because interest is retroactive to Jan 1st. Your 10K cash can earn a couple of cents sitting in your saving account for an extra 30 days.
Yes。 But I would wait until end of Jan (towards the last business day) to buy your 10K 2022 i-bond because interest is retroactive to Jan 1st. Your 10K cash can earn a couple of cents sitting in your saving account for an extra 30 days. yolandos 发表于 2021-12-28 20:41
no credit risk no market risk. min holding 12 months (after forfeiting last 3 month interest if redeemed before 5 years). So the worst you get about 3.x% for 12 months (first 6 month roughly @ 7.12% annual rate/yield). yes you can get 10K per calendar year from treasury direct. Another 5K as paper bond can also be obtained through tax refund (5K per tax filing).
Yes。 But I would wait until end of Jan (towards the last business day) to buy your 10K 2022 i-bond because interest is retroactive to Jan 1st. Your 10K cash can earn a couple of cents sitting in your saving account for an extra 30 days. yolandos 发表于 2021-12-28 20:41
no credit risk no market risk. min holding 12 months (after forfeiting last 3 month interest if redeemed before 5 years). So the worst you get about 3.x% for 12 months (first 6 month roughly @ 7.12% annual rate/yield). yes you can get 10K per calendar year from treasury direct. Another 5K as paper bond can also be obtained through tax refund (5K per tax filing). yolandos 发表于 2021-12-28 20:59
自己查了一下，可以的： To buy an electronic savings bond as a gift: You must have a TreasuryDirect account The recipient must have a TreasuryDirect account You must know the recipient’s: Full name Social Security Number or Taxpayer Identification Number TreasuryDirect account number You can give gift bonds to adults or children. A child under 18 can have a TreasuryDirect account only if a parent or other adult custodian creates a minor linked account.
自己查了一下，可以的： To buy an electronic savings bond as a gift: You must have a TreasuryDirect account The recipient must have a TreasuryDirect account You must know the recipient’s: Full name Social Security Number or Taxpayer Identification Number TreasuryDirect account number You can give gift bonds to adults or children. A child under 18 can have a TreasuryDirect account only if a parent or other adult custodian creates a minor linked account.
Yes。 But I would wait until end of Jan (towards the last business day) to buy your 10K 2022 i-bond because interest is retroactive to Jan 1st. Your 10K cash can earn a couple of cents sitting in your saving account for an extra 30 days. yolandos 发表于 2021-12-28 20:41
two different events. 第一，Issue date of I-bond is always MM-YYYY so there is no difference between buying on first day of month vs last day of the month. They are identical. So if you bought last day of Dec, 2016 you can redeem on first day of Dec 2021 without penalty. （so technically you are holding 4 years + ~11 months, I think?) 第二，there is no dispute on the last 3 month interests. you redeem on any day in Jan (before 5 year）, you lose Nov, Dec,Jan interests. Feel free to use the i-bond calculater to confirm: https://treasurydirect.gov/BC/SBCPrice
two different events. 第一，Issue date of I-bond is always MM-YYYY so there is no difference between buying on first day of month vs last day of the month. They are identical. So if you bought last day of Dec, 2016 you can redeem on first day of Dec 2021 without penalty. （so technically you are holding 4 years + ~11 months, I think?) 第二，there is no dispute on the last 3 month interests. you redeem on any day in Jan (before 5 year）, you lose Nov, Dec,Jan interests. Feel free to use the i-bond calculater to confirm: https://treasurydirect.gov/BC/SBCPrice
yeah that's about right. the calculator from treasurydirect only support paper ibonds but I would think electronic bonds are handled similiarly. yolandos 发表于 2021-12-29 15:43
不知道间隔这么小，会不会有什么问题？
update： 根据反馈，没有问题，可以这么操作。
Yes。
But I would wait until end of Jan (towards the last business day) to buy your 10K 2022 i-bond because interest is retroactive to Jan 1st. Your 10K cash can earn a couple of cents sitting in your saving account for an extra 30 days.
哈哈，有意思
no credit risk no market risk. min holding 12 months (after forfeiting last 3 month interest if redeemed before 5 years). So the worst you get about 3.x% for 12 months (first 6 month roughly @ 7.12% annual rate/yield). yes you can get 10K per calendar year from treasury direct. Another 5K as paper bond can also be obtained through tax refund (5K per tax filing).
谢谢分享，请问一下5K PAPER那个是什么意思？怎么操作？谢谢！
谢谢回复。 不过我很困惑。
我的问题是“会不会有问题”。 你的回答是“yes“。 按照英文的逻辑理解，就是”会有问题“。
但是按照下面的意思，好像又是”没有问题，我可以马上买“。
按我的理解，是用退税的钱买，好像需要填表什么的。
她回答的是你的标题上的问句，您在内容里又问了一个相反的问题，标准答案是yes and no，要不no and yes
谢谢指正。 现在明确了，没有问题。
巧的很，我是昨天开帐号，申请购买，今天钱就到账了。明年一月准备再买明年的份额，如果有问题，网站会提醒，或拒绝。
多谢! 之前居然没注意到Minimum holding 12个月的要求。那就是说如果后面利率变低，最早12个月可以取出来，然后拿9个月的利息？本来想明年夏天买房，短期存点钱的，看来是不行了
自己查了一下，可以的： To buy an electronic savings bond as a gift: You must have a TreasuryDirect account The recipient must have a TreasuryDirect account You must know the recipient’s: Full name Social Security Number or Taxpayer Identification Number TreasuryDirect account number You can give gift bonds to adults or children. A child under 18 can have a TreasuryDirect account only if a parent or other adult custodian creates a minor linked account.
给小孩开的minor账号算是gift么？
我刚申请了一个没有问题
如果钱放在银行里低息账户的话还是一月买可以早点享受4个月的7%利息，以后利息调整你的I Bond会跟着调整。
如果1月30日存进去那一年后允许取出来或5年后不扣3个月利息的日期是按1月30日算还是1月1日算？
哦那我的税是我补交了很多钱。那就没有退回来的钱可以买了？
本来想买，现在跟风买了
two different events.
第一，Issue date of I-bond is always MM-YYYY so there is no difference between buying on first day of month vs last day of the month. They are identical. So if you bought last day of Dec, 2016 you can redeem on first day of Dec 2021 without penalty. （so technically you are holding 4 years + ~11 months, I think?) 第二，there is no dispute on the last 3 month interests. you redeem on any day in Jan (before 5 year）, you lose Nov, Dec,Jan interests.
Feel free to use the i-bond calculater to confirm: https://treasurydirect.gov/BC/SBCPrice
万分感谢! 我这样理解对不对：
1 不管我在2022年1月1日买还是2022年1月31日买，最早允许取出来的日期是2023年1月1日。
2 不管我在2022年1月1日买还是2022年1月31日买，如果我想在2027年1月31日那天或之前取出来，我会失去3个月的利息。
我刚开户也遇到这个问题了。邮件给我让我填完一张表寄过去。所以应该就这样操作吧。
想买的话多交些estimate tax即可
yeah that's about right. the calculator from treasurydirect only support paper ibonds but I would think electronic bonds are handled similiarly.
需要盖一个Medallion stamp, 找有Medallion Signature Guarantee Service的银行办一下。
在账户里开一个minor account就可以了。
再一次感谢