https://www.marketwatch.com/amp/story/the-silver-lining-of-surging-inflation-i-bond-yields-should-climb-above-9-11649784459 Buy now or in May? The only real question is whether to buy an I-Bond now or wait until May. It’s tricky because your I-Bond’s inflation-adjustment factor will be reset every six months based on the initial month of your purchase. So if you purchase an I-Bond now, the interest you will earn over the next six months will be the rate the U.S. Treasury set last November—7.1%. And during the six-month period beginning this coming October, your rate will be equal to the rate the U.S. Treasury will establish in May—which I expect will be 9.6%. That averages out to 8.4%.
https://www.marketwatch.com/amp/story/the-silver-lining-of-surging-inflation-i-bond-yields-should-climb-above-9-11649784459 Buy now or in May? The only real question is whether to buy an I-Bond now or wait until May. It’s tricky because your I-Bond’s inflation-adjustment factor will be reset every six months based on the initial month of your purchase. So if you purchase an I-Bond now, the interest you will earn over the next six months will be the rate the U.S. Treasury set last November—7.1%. And during the six-month period beginning this coming October, your rate will be equal to the rate the U.S. Treasury will establish in May—which I expect will be 9.6%. That averages out to 8.4%. 落地无声 发表于 2022-04-12 15:12
https://www.marketwatch.com/amp/story/the-silver-lining-of-surging-inflation-i-bond-yields-should-climb-above-9-11649784459 Buy now or in May? The only real question is whether to buy an I-Bond now or wait until May. It’s tricky because your I-Bond’s inflation-adjustment factor will be reset every six months based on the initial month of your purchase. So if you purchase an I-Bond now, the interest you will earn over the next six months will be the rate the U.S. Treasury set last November—7.1%. And during the six-month period beginning this coming October, your rate will be equal to the rate the U.S. Treasury will establish in May—which I expect will be 9.6%. That averages out to 8.4%. 落地无声 发表于 2022-04-12 15:12
https://www.marketwatch.com/amp/story/the-silver-lining-of-surging-inflation-i-bond-yields-should-climb-above-9-11649784459 Buy now or in May? The only real question is whether to buy an I-Bond now or wait until May. It’s tricky because your I-Bond’s inflation-adjustment factor will be reset every six months based on the initial month of your purchase. So if you purchase an I-Bond now, the interest you will earn over the next six months will be the rate the U.S. Treasury set last November—7.1%. And during the six-month period beginning this coming October, your rate will be equal to the rate the U.S. Treasury will establish in May—which I expect will be 9.6%. That averages out to 8.4%. 落地无声 发表于 2022-04-12 15:12
https://www.marketwatch.com/amp/story/the-silver-lining-of-surging-inflation-i-bond-yields-should-climb-above-9-11649784459 Buy now or in May? The only real question is whether to buy an I-Bond now or wait until May. It’s tricky because your I-Bond’s inflation-adjustment factor will be reset every six months based on the initial month of your purchase. So if you purchase an I-Bond now, the interest you will earn over the next six months will be the rate the U.S. Treasury set last November—7.1%. And during the six-month period beginning this coming October, your rate will be equal to the rate the U.S. Treasury will establish in May—which I expect will be 9.6%. That averages out to 8.4%. 落地无声 发表于 2022-04-12 15:12
看来四月份买更好？4-9月份7.1%,，10/2022-3/2023 锁定9.6%? US Treasury 六个月update 一次利率，5-10月份是9.6%
You can cash your Series I bonds any time after 12 months. You receive the original purchase price plus interest earnings. I bonds are meant to be longer-term investments; if you redeem an I bond within the first 5 years, you'll lose your last 3 months interest.
🔥 最新回帖
多谢！
以前不难打，现在可能买的人太多了。
不一定，我上次把帐号写错了，还显示巳经买了呢，但迟不扣钱，后来来邮件说没买成，然后我发现帐号错了，想改，得去银行敲章了。结果一弄就到下个月了。
可以。买的时候注明是给他的gift. 网站上有详细说明
🛋️ 沙发板凳
现在买的，也可以9.62%?
2021年的 ibond 我是11月份买的， 两次买中间需要间隔吗？ 也就是说，现在可以买 2022的ibond吗？
可以的
我的理解是現在。頭六個月lock 了 7 percent 的利率，后六個月 用 9 percent 的利率。
所以4月底買。
那2月份买的是不是亏了？ 当时是7.x%。
因为通胀太厉害了
4月30日就可以lock 9%的利率了？ 还是必须5月1日，才能lock 9%的利率？
https://www.marketwatch.com/amp/story/the-silver-lining-of-surging-inflation-i-bond-yields-should-climb-above-9-11649784459
Buy now or in May? The only real question is whether to buy an I-Bond now or wait until May. It’s tricky because your I-Bond’s inflation-adjustment factor will be reset every six months based on the initial month of your purchase. So if you purchase an I-Bond now, the interest you will earn over the next six months will be the rate the U.S. Treasury set last November—7.1%. And during the six-month period beginning this coming October, your rate will be equal to the rate the U.S. Treasury will establish in May—which I expect will be 9.6%. That averages out to 8.4%.
这里买
一年一人只能买1万刀。
这里就有个问题，11/22的利率会低于7.2呢还是高于？决定了4月买还是五月买合算
Mark
谢谢。
How can I find Ibond here?
右边不是有open account吗？
第一栏individuals 下面的how to buy series I
是的
是的
谢谢！
谢谢，幸亏懒了一下还没买今年的
inflation这部分所有的ibonds不管什么时候issue的都是一样的。区别是base 那部分，原来是0， 不知道这次长不长
never mind.
规定的，可以去treasury direct读一读
请问这个authentication什么意思？我是今年两月底时开的账号连的银行账号，但是到现在也没有fund, 不知道咋回事。难道就是这个authentication还没有完成？
要这么久? 我昨天刚开的账户买了
可以，孩子18岁前在父母账户下关联Junior账户，父母控制这笔钱。18岁后父母不可以卖了，需要孩子自己开户，然后transfer过去
连上账户后还需要有个买bonds的action
我也是。。。股市亏哭了
18年买的有按年的细分吗？ 要是在利率降的时候就卖掉，即使损失三个月利息不知是否会更合算。
你丫SPY今年回报率是负的，这个hedge一下挺好的，稳赚不赔。
我没找到细分，这个网站UX 太差了。找到的同学吱一声。
收益这么低估计是2020/2021 低利率导致的。
谢谢
同文
可以均衡一下经济差的时候
那还不如529呢。 我529的收益这高多了。 说是这么说，还是论分散投资的重要性。
查了一下，18年显示的7.43%是最近的7.12+fix0.3 (18年5月），过去几年平均利率2-3%，所以总利息才那么低。
https://www.treasurydirect.gov/indiv/research/indepth/ibonds/IBondRateChart.pdf
这数字不对啊。7.4的利率不应该一年就740了吗？怎么4年才980？
所以这个利率是浮动的？我还以为是固定的呢。那么是不是也应该根据利率操作账户呢？利率高存，低了就取？允许多频繁的操作？
能扛通胀就行
所以这是五月买比较好的意思吗？
对大部分普通中产家庭来说，长期理财，最主要的还是定投大盘。
这个是不是你要找的？
https://treasurydirect.gov/indiv/research/indepth/ibonds/res_ibonds_iratesandterms.htm
看来四月份买更好？4-9月份7.1%,，10/2022-3/2023 锁定9.6%? US Treasury 六个月update 一次利率，5-10月份是9.6%
mark
能看懂么？其实我也是稀里糊涂算的，不知对不对。存期不到5年，最近6个月的没算进来：
好像是呢， 只要11月份时候出来的利息低于7.1% 就划算！
可以以公司名义买啊，谢谢
You can cash your Series I bonds any time after 12 months. You receive the original purchase price plus interest earnings. I bonds are meant to be longer-term investments; if you redeem an I bond within the first 5 years, you'll lose your last 3 months interest.