IBOND一家两个人都买， 需要开两个 treasure direct account 吗？ 还是joint account? google 上 有这么说， Can a TreasuryDirect account be joint? A married couple must open two separate TreasuryDirect accounts if both spouses wish to purchase I Bonds. Each account is limited to purchasing $10,000 per person per calendar year, so if you want to purchase $20,000 in a year, you need two accounts.May 9, 2021 但是 registration 上面有 First-Named Registrant 和Second-Named Registrant:
First-Named Registrant: First Name:Middle Name or Initial:Last Name:Suffix: Taxpayer Identification Number: - - Second-Named Registrant: (Required for Primary Owner and Beneficiary registrations only.) First Name:Middle Name or Initial:Last Name:Suffix: Taxpayer Identification Number: - -
IBOND一家两个人都买， 需要开两个 treasure direct account 吗？ 还是joint account? google 上 有这么说， Can a TreasuryDirect account be joint? A married couple must open two separate TreasuryDirect accounts if both spouses wish to purchase I Bonds. Each account is limited to purchasing $10,000 per person per calendar year, so if you want to purchase $20,000 in a year, you need two accounts.May 9, 2021 但是 registration 上面有 First-Named Registrant 和Second-Named Registrant:
First-Named Registrant: First Name:Middle Name or Initial:Last Name:Suffix: Taxpayer Identification Number: - - Second-Named Registrant: (Required for Primary Owner and Beneficiary registrations only.) First Name:Middle Name or Initial:Last Name:Suffix: Taxpayer Identification Number: - - kittyblue 发表于 2021-12-29 22:48
买的话一个帐号就可以了。卖的话大人每人都需要treasrydirect帐号。 Secondary-Named Registrant is like co-owner whose SSN can be used as the tax payer to receive the interest and pay the tax when the bond is redeemed (very much like the paper i-bond). For example, you buy 10K under your SSN and use your spouse's SSN as the secondary-named, the spouse will be able to cash the bond and pay the tax down the road (12 month minimum holding) 第一The mis-conception is 1 SSN can only buy 10K. 1 SSN can buy as many 10Ks in the same calendar year as follows: 10K for the individual 10K for the individual's trust 10K for the individual's sole proprietorship ...
第二In addition to above, the same account can buy gifts in the same calendar year as above： 10K for spouse 10K for kid one 10K for kid two ... the catch is when you transfer the gift, you can only transfer 10K for the target SSN and in the same calendar year the receiver will lose the ability to buy under their individual SSN. i.e. for a individual account you are allowed to buy 10K or be given 10K but not both. So an extreme case for 第二 to front load i-bond purchase is: 10K for spouse 10K for the same spouse 10K for the same spouse 10K for the same spouse ... Then you can transfer these 40K to the spouse in 4 following calendar years, provided the spouse do not buy any i-bonds in these calendar years. Ideally if you buy an i-bond under your SSN, the co-owner should be your spouse's SSN (so the spouse can sell it under his/her own SSN) and beneficiary should be one of your kid. On the flip side, the spouse's bond should have you as the co-owner. Even if you bought under the default registration (as an individual without secondary), you can later update the registration (i.e. creating a new one w secondary and re-assign to the bond in your account). I-bond has no market risk no credit risk (well assuming U.S. government do not go bankrupt) 百分百保本. I-bond interest will never go negative, even if we are in deflation and CPI-U is negative. I-bond interest *might* be federal tax free if used for education *if* your income is low. I-bond is state tax free but if you sell/redeem before 5 year is up, your forfeit the last 3 month interest. I-bond bought in Dec 2021, the first day you are allowed to sell/redeem will be Jan 1, 2023. Those bought in Jan 2022, first day you can sell/redeem will be Feb 1st 2023 I-bond you buy today or next Jan will have a float portion rate of 7.12% interest for the first 6 month of holding, the second 6 month rate will be determined by the CPI-Us released for Oct (known), Nov(known）, Dec,Jan,Feb,Mar. In a nutshell in April the rate will be known. Notice the fixed portion rate of i-bond if zero so for those who wants to hold them long term, you might want to wait until May 2022 to buy it because treasury might decide to set a non zero fixed rate (those issued in 2000 has a fixed rate of 3.x%, for an example, these bonds are now paying over 10% for the next 6 months) Today and tomorrow is month end, when you buy you get the whole Dec interest as if you bought on Dec 1st.
买的话一个帐号就可以了。卖的话大人每人都需要treasrydirect帐号。 Secondary-Named Registrant is like co-owner whose SSN can be used as the tax payer to receive the interest and pay the tax when the bond is redeemed (very much like the paper i-bond). For example, you buy 10K under your SSN and use your spouse's SSN as the secondary-named, the spouse will be able to cash the bond and pay the tax down the road (12 month minimum holding) 第一The mis-conception is 1 SSN can only buy 10K. 1 SSN can buy as many 10Ks in the same calendar year as follows: 10K for the individual 10K for the individual's trust 10K for the individual's sole proprietorship ...
第二In addition to above, the same account can buy gifts in the same calendar year as above： 10K for spouse 10K for kid one 10K for kid two ... the catch is when you transfer the gift, you can only transfer 10K for the target SSN and in the same calendar year the receiver will lose the ability to buy under their individual SSN. i.e. for a individual account you are allowed to buy 10K or be given 10K but not both. So an extreme case for 第二 to front load i-bond purchase is: 10K for spouse 10K for the same spouse 10K for the same spouse 10K for the same spouse ... Then you can transfer these 40K to the spouse in 4 following calendar years, provided the spouse do not buy any i-bonds in these calendar years. Ideally if you buy an i-bond under your SSN, the co-owner should be your spouse's SSN (so the spouse can sell it under his/her own SSN) and beneficiary should be one of your kid. On the flip side, the spouse's bond should have you as the co-owner. Even if you bought under the default registration (as an individual without secondary), you can later update the registration (i.e. creating a new one w secondary and re-assign to the bond in your account). I-bond has no market risk no credit risk (well assuming U.S. government do not go bankrupt) 百分百保本. I-bond interest will never go negative, even if we are in deflation and CPI-U is negative. I-bond interest *might* be federal tax free if used for education *if* your income is low. I-bond is state tax free but if you sell/redeem before 5 year is up, your forfeit the last 3 month interest. I-bond bought in Dec 2021, the first day you are allowed to sell/redeem will be Jan 1, 2023. Those bought in Jan 2022, first day you can sell/redeem will be Feb 1st 2023 I-bond you buy today or next Jan will have a float portion rate of 7.12% interest for the first 6 month of holding, the second 6 month rate will be determined by the CPI-Us released for Oct (known), Nov(known）, Dec,Jan,Feb,Mar. In a nutshell in April the rate will be known. Notice the fixed portion rate of i-bond if zero so for those who wants to hold them long term, you might want to wait until May 2022 to buy it because treasury might decide to set a non zero fixed rate (those issued in 2000 has a fixed rate of 3.x%, for an example, these bonds are now paying over 10% for the next 6 months) Today and tomorrow is month end, when you buy you get the whole Dec interest as if you bought on Dec 1st.
google 上 有这么说， Can a TreasuryDirect account be joint? A married couple must open two separate TreasuryDirect accounts if both spouses wish to purchase I Bonds. Each account is limited to purchasing $10,000 per person per calendar year, so if you want to purchase $20,000 in a year, you need two accounts.May 9, 2021
但是 registration 上面有 First-Named Registrant 和Second-Named Registrant:
First-Named Registrant: First Name:Middle Name or Initial:Last Name:Suffix:
Taxpayer Identification Number: - - Second-Named Registrant: (Required for Primary Owner and Beneficiary registrations only.) First Name:Middle Name or Initial:Last Name:Suffix:
Taxpayer Identification Number: - -
好麻烦
没有 joint account 这说。Second-Named Registrant 相当于 beneficiary + possible Power of Attorney，没有所有权，列了 Second-Named Registrant 也还是只能买一万。
娃买了可以给他自己当学费时还能免FED TAX吗？ 感觉给娃买有点复杂，当GIFT了，18岁后父母就不能管这个钱了
不能。当GIFT了也不能随便收回来。
基本上来说算是treasury bond，所以除非美国要default，不然你还是能拿到本钱的。只不过今年inflation 高，所以return 高，以后要是每年就1-2% 的inflation那么它的return也就那么多。
买的话一个帐号就可以了。卖的话大人每人都需要treasrydirect帐号。
Secondary-Named Registrant is like co-owner whose SSN can be used as the tax payer to receive the interest and pay the tax when the bond is redeemed (very much like the paper i-bond). For example, you buy 10K under your SSN and use your spouse's SSN as the secondary-named, the spouse will be able to cash the bond and pay the tax down the road (12 month minimum holding)
第一The mis-conception is 1 SSN can only buy 10K. 1 SSN can buy as many 10Ks in the same calendar year as follows: 10K for the individual 10K for the individual's trust 10K for the individual's sole proprietorship ...
第二In addition to above, the same account can buy gifts in the same calendar year as above： 10K for spouse 10K for kid one 10K for kid two ... the catch is when you transfer the gift, you can only transfer 10K for the target SSN and in the same calendar year the receiver will lose the ability to buy under their individual SSN. i.e. for a individual account you are allowed to buy 10K or be given 10K but not both. So an extreme case for 第二 to front load i-bond purchase is: 10K for spouse 10K for the same spouse 10K for the same spouse 10K for the same spouse ... Then you can transfer these 40K to the spouse in 4 following calendar years, provided the spouse do not buy any i-bonds in these calendar years.
Ideally if you buy an i-bond under your SSN, the co-owner should be your spouse's SSN (so the spouse can sell it under his/her own SSN) and beneficiary should be one of your kid. On the flip side, the spouse's bond should have you as the co-owner.
Even if you bought under the default registration (as an individual without secondary), you can later update the registration (i.e. creating a new one w secondary and re-assign to the bond in your account).
I-bond has no market risk no credit risk (well assuming U.S. government do not go bankrupt) 百分百保本. I-bond interest will never go negative, even if we are in deflation and CPI-U is negative.
I-bond interest *might* be federal tax free if used for education *if* your income is low.
I-bond is state tax free but if you sell/redeem before 5 year is up, your forfeit the last 3 month interest.
I-bond bought in Dec 2021, the first day you are allowed to sell/redeem will be Jan 1, 2023. Those bought in Jan 2022, first day you can sell/redeem will be Feb 1st 2023
I-bond you buy today or next Jan will have a float portion rate of 7.12% interest for the first 6 month of holding, the second 6 month rate will be determined by the CPI-Us released for Oct (known), Nov(known）, Dec,Jan,Feb,Mar. In a nutshell in April the rate will be known.
Notice the fixed portion rate of i-bond if zero so for those who wants to hold them long term, you might want to wait until May 2022 to buy it because treasury might decide to set a non zero fixed rate (those issued in 2000 has a fixed rate of 3.x%, for an example, these bonds are now paying over 10% for the next 6 months)
Today and tomorrow is month end, when you buy you get the whole Dec interest as if you bought on Dec 1st.
学习了。谢谢！