去年11月买的，看到账户上balance 比预期的低。 发信问了以后treasury direct 回信如下， Interest is usually posted every month. However, as there is a three-month interest penalty for bonds redeemed within the first five years, interest earned will not begin to be applied to the bond until the first day of the fourth month following the issue month. So, let’s use a bond issued in July as an illustration. The six-month earning periods would run from July through December and from January through June. Even though new rates are announced each May and November, the new rates would not be reflected for the bond until the earning period following May and November. In this case, the bond would begin its next earning period in January. However, even though the bond would be under the new rate, the interest being posted to the bond at that time would reflect interest that was actually earned in September. For example, interest for a bond issued in July is posted as follows: Interest Posted in Month Interest Was Earned July no interest August no interest September no interest October no interest November July December August January September February October March November 还是不太明白： 1.如果是3个月的罚款，为什么4个月没有利息？不应该是3个月吗？在列出的示例中，它不应该从 10 月开始赚取利息，而不是 11 月吗？ 2、2021年11月发行的I债利率为7.12%。如果一个人在 2021 年 11 月购买了 I 债券，以下哪种情况是正确的？ (A) 他在 2021 年 11 月至 2022 年 2 月期间不赚取利息，然后从 2022 年 3 月至 2022 年 4 月以年利率 7.12% 赚取 2 个月的利息，然后以新重置的 5 月 I 债券利率赚取 6 个月的利息2022-2022年10月， …. (B) 他在 2021 年 11 月至 2022 年 2 月期间不赚取利息，然后从 2022 年 3 月至 2022 年 8 月以年利率 7.12% 赚取 6 个月的利息，然后在 5 月以新重置的 I 债券利率赚取 6 个月的利息2022年9月-2023年2月，继续前行, ….. 3. 如果该人持有债券 5 年或更长时间，国库如何弥补最初的 4 个月没有利息？ 谢谢
去年11月买的，看到账户上balance 比预期的低。 发信问了以后treasury direct 回信如下， Interest is usually posted every month. However, as there is a three-month interest penalty for bonds redeemed within the first five years, interest earned will not begin to be applied to the bond until the first day of the fourth month following the issue month. So, let’s use a bond issued in July as an illustration. The six-month earning periods would run from July through December and from January through June. Even though new rates are announced each May and November, the new rates would not be reflected for the bond until the earning period following May and November. In this case, the bond would begin its next earning period in January. However, even though the bond would be under the new rate, the interest being posted to the bond at that time would reflect interest that was actually earned in September. For example, interest for a bond issued in July is posted as follows: Interest Posted in Month Interest Was Earned July no interest August no interest September no interest October no interest November July December August January September February October March November 还是不太明白： 1.如果是3个月的罚款，为什么4个月没有利息？不应该是3个月吗？在列出的示例中，它不应该从 10 月开始赚取利息，而不是 11 月吗？ 2、2021年11月发行的I债利率为7.12%。如果一个人在 2021 年 11 月购买了 I 债券，以下哪种情况是正确的？ (A) 他在 2021 年 11 月至 2022 年 2 月期间不赚取利息，然后从 2022 年 3 月至 2022 年 4 月以年利率 7.12% 赚取 2 个月的利息，然后以新重置的 5 月 I 债券利率赚取 6 个月的利息2022-2022年10月， …. (B) 他在 2021 年 11 月至 2022 年 2 月期间不赚取利息，然后从 2022 年 3 月至 2022 年 8 月以年利率 7.12% 赚取 6 个月的利息，然后在 5 月以新重置的 I 债券利率赚取 6 个月的利息2022年9月-2023年2月，继续前行, ….. 3. 如果该人持有债券 5 年或更长时间，国库如何弥补最初的 4 个月没有利息？ 谢谢 CrystinaAlex 发表于 2022-04-18 20:48
It is not that you do not earn first 4 months interests. Treasurydirect simply does not show the *LAST* 3 months of accrured interest until you pass your 5 year anniversary. Your 10K bond purchased Nov of 2021 will show the following balance (last 3 month not shown): https://eyebonds.info/ibonds/10000/ib_2021_11.html Today we are in April so you will see a balance of 10,116 (with the original 10K purchase from last Nov).
还是不太明白： 1.如果是3个月的罚款，为什么4个月没有利息？不应该是3个月吗？在列出的示例中，它不应该从 10 月开始赚取利息，而不是 11 月吗？
2、2021年11月发行的I债利率为7.12%。如果一个人在 2021 年 11 月购买了 I 债券，以下哪种情况是正确的？ (A) 他在 2021 年 11 月至 2022 年 2 月期间不赚取利息，然后从 2022 年 3 月至 2022 年 4 月以年利率 7.12% 赚取 2 个月的利息，然后以新重置的 5 月 I 债券利率赚取 6 个月的利息2022-2022年10月， …. (B) 他在 2021 年 11 月至 2022 年 2 月期间不赚取利息，然后从 2022 年 3 月至 2022 年 8 月以年利率 7.12% 赚取 6 个月的利息，然后在 5 月以新重置的 I 债券利率赚取 6 个月的利息2022年9月-2023年2月，继续前行, …..
3. 如果该人持有债券 5 年或更长时间，国库如何弥补最初的 4 个月没有利息？
谢谢
It is not that you do not earn first 4 months interests. Treasurydirect simply does not show the *LAST* 3 months of accrured interest until you pass your 5 year anniversary. Your 10K bond purchased Nov of 2021 will show the following balance (last 3 month not shown):
https://eyebonds.info/ibonds/10000/ib_2021_11.html
Today we are in April so you will see a balance of 10,116 (with the original 10K purchase from last Nov).
affirmative.