a bird in hand is better than two in the bush， wait long enough we will all be dead 😄. what you are saying is not wrong, though. There is the future and there is your expectation. CPI-U can tank or plateau out or shoot up. Remember the ibond float rate is depending on the deltas (CPI-U change). People holding out until May to purchase mostly in hope of getting a none-zero fixed rate which doesn't matter too much to the short term opportunist as it will be puny. Don't forgot the fixed rate is really upto the treasury's mood and you can only hope they don't play with the numbers.
a bird in hand is better than two in the bush， wait long enough we will all be dead 😄. what you are saying is not wrong, though. There is the future and there is your expectation. CPI-U can tank or plateau out or shoot up. Remember the ibond float rate is depending on the deltas (CPI-U change). People holding out until May to purchase mostly in hope of getting a none-zero fixed rate which doesn''t matter too much to the short term opportunist as it will be puny. Don''t forgot the fixed rate is really upto the treasury''s mood and you can only hope they don''t play with the numbers.
A Minor account is an account you may establish for a child under the age of 18, if you are a parent or person providing chief support of the child. You may purchase, redeem, receive gifts, and perform other transactions within an individual account on behalf of the minor. When the child reaches age 18 and establishes his or her own TreasuryDirect account, you may transfer the securities to their new account. 所以我的理解是minor account和普通individual 账号唯一的区别是18岁之前必须由你代管。18岁之后minor自己有账户了你可以把minor账户中的金额转给minor自己的账户，
A Minor account is an account you may establish for a child under the age of 18, if you are a parent or person providing chief support of the child. You may purchase, redeem, receive gifts, and perform other transactions within an individual account on behalf of the minor. When the child reaches age 18 and establishes his or her own TreasuryDirect account, you may transfer the securities to their new account. 所以我的理解是minor account和普通individual 账号唯一的区别是18岁之前必须由你代管。18岁之后minor自己有账户了你可以把minor账户中的金额转给minor自己的账户， tigress 发表于 2021-12-30 15:27
哦，所以说买ibond的时间就比较tricky了。如果对通货膨胀或者加息预期越高，越应该晚买？比如我现在买了，但是我预期明年四月调整后通胀加利息会到9%,那么我就应该等到四月后再买而不是一月立刻买？
每6个月调整一次利率，就像分段利率，将来的利率要将来才知道
必须持有一年才能卖。五年之内卖损失最后三个月利息，五年之后没有任何penalty.
照前面的解释，应该是买时接下来六个月按买时的利率。之后的六个月按最新的调整。就是十二月买的利率从十二月到五月。从六月开始的利率要根据四月利率调整时的利率算。以后都以此类推.
通胀利率变化不受影响的， 受影响的是固定利率的变化， 那个是一直跟着你的。 四月份如果通胀利率调到9%， 那你6-12用的就是这个利率。 早存早拿利息。
a bird in hand is better than two in the bush， wait long enough we will all be dead 😄. what you are saying is not wrong, though.
There is the future and there is your expectation. CPI-U can tank or plateau out or shoot up. Remember the ibond float rate is depending on the deltas (CPI-U change).
People holding out until May to purchase mostly in hope of getting a none-zero fixed rate which doesn't matter too much to the short term opportunist as it will be puny. Don't forgot the fixed rate is really upto the treasury's mood and you can only hope they don't play with the numbers.
请问怎么买？现在转钱还来得及吗？
在treasurydirect的网站上申请一个账户买，操作特别简单。你今天申请买pending,一切正常明天一早到账。利息从十二月一日开始算。
Very well said.过两天立刻买。
http://www.treasurydirect.gov/ 今天买还来得及吧，一个工作日
没错，早存早拿利息，现在马上买，明年还可以再买一万。
按3.45%的利息六个月，到明年四月调整到7.12%。
谢谢 看来现在买更划算
A Minor account is an account you may establish for a child under the age of 18, if you are a parent or person providing chief support of the child. You may purchase, redeem, receive gifts, and perform other transactions within an individual account on behalf of the minor. When the child reaches age 18 and establishes his or her own TreasuryDirect account, you may transfer the securities to their new account. 所以我的理解是minor account和普通individual 账号唯一的区别是18岁之前必须由你代管。18岁之后minor自己有账户了你可以把minor账户中的金额转给minor自己的账户，
大家选哪一种呀
不是说minor账号可以省税
所以买的时候的利率6个月，然后调成最近的利率再6个月？
具体细节看一看官方网站 https://www.treasurydirect.gov/indiv/research/indepth/ibonds/res_ibonds_iratesandterms.htm
倒数第二个 Series I
谢谢呀，买好了。