mostly no unless your income is low and you use for things like education. However, it is 30 year deferred and no state/local tax. yolandos 发表于 2022-05-28 15:36
lost in translation. 现在不避税只是延期. 以后取出来再交（最多30年）但只是联邦税要交（没有州税）。你如果那年收入不高，取出的利息用了用于教育就可能可以免税。五年内取出的话就减去最后3个月的利息。最少持有期是11个月多几天。 yolandos 发表于 2022-05-28 16:03
I-bond/EE bond are not a traditional bonds. They are risk free (never lose the money unless U.S. government goes into default) and its return is pegged to CPI. I-bond is like a bond with variable rate coupon that also comes with a free put at par. Tax is 30 year deferred and I am not sure how to calculate durations and I do not even care. It doesn''t matter if you hold to maturity or not but you do have to hold 12 months and if you cash out within 5 years you forfeit last 3 month interest.
I-bond/EE bond are not a traditional bonds. They are risk free (never lose the money unless U.S. government goes into default) and its return is pegged to CPI. I-bond is like a bond with variable rate coupon that also comes with a free put at par. Tax is 30 year deferred and I am not sure how to calculate durations and I do not even care. It doesn''t matter if you hold to maturity or not but you do have to hold 12 months and if you cash out within 5 years you forfeit last 3 month interest.
yolandos 发表于 2022-05-29 08:48
bruh.... its coupon is pegged to CPI... not the return...
感谢大家的支持，在此推荐一个国债 I-Bond：上半年 7.2%，当前半年9.6%，和通货膨胀挂钩。
在高通胀和股市下滑的双重打击下，I-Bond债券至少在10月底之前的综合利率将达到 9.62%。
当生活成本飙升时，投资于美国国债通胀保护的储蓄债券（称为 I-bond 债券）可能是一种明智的策略，尤其是在银行储蓄低利率的情况下。
由于有每年10000美元的限制，I-bond债券不能成为储蓄或投资的主要方式。
每个ssn可以买一万一年，娃或者爸妈有ssn都可以买，还可以使用gift box和老婆互相买几万，可以一次买十万八万的。也不算少了。
mostly no unless your income is low and you use for things like education. However, it is 30 year deferred and no state/local tax.
谢谢。所以现在不避税以后取出来也不交税？那还是要考虑30年的通胀，对吧？
lost in translation.
现在不避税只是延期. 以后取出来再交（最多30年）但只是联邦税要交（没有州税）。你如果那年收入不高，取出的利息用了用于教育就可能可以免税。五年内取出的话就减去最后3个月的利息。最少持有期是11个月多几天。
谢谢回复！明白了。
现在有个问题long bond就是 long duration. 利息还得涨呢
你Bond不就亏钱了么
除非你就准备拿到最后估计也无所谓了？
I-bond/EE bond are not a traditional bonds. They are risk free (never lose the money unless U.S. government goes into default) and its return is pegged to CPI. I-bond is like a bond with variable rate coupon that also comes with a free put at par. Tax is 30 year deferred and I am not sure how to calculate durations and I do not even care. It doesn''t matter if you hold to maturity or not but you do have to hold 12 months and if you cash out within 5 years you forfeit last 3 month interest.
一个ssn得单独开账户吗？还有gift box是怎么操作 可以具体讲讲吗 不会超过1万限额限？
I bond不是fixed coupon，是 floating coupon，谈不上是long duration。而且并不能在二级市场出售，只能按照par 卖回给政府。
bruh....
its coupon is pegged to CPI... not the return...
你去google吧，网上有详细解释。例如今年利率9%，明年8%，后年4%，于是你deliver，三年平均利率7%。一般放在gift box直到通胀下降再deliver。但一年deliver一万买得多就需要多花几年deliver，买个两三万平均也还划算。
你没有搞清楚I bond 和一般bond 的区别。去谷歌
I bond 的price 固定在面额不会损失，它的coupon就是它的return, 你还是先搞清楚I bond再评论吧
我了个天………
You made my day
好事做到地，请给个 Link。
同问， 现在买会被算成5月31号的purchase吧，还能拿到今年5-10月的9.62%利率吗
establish a custodian account linked to your primary account.
能拿到9.62%。但是不知道星期二下单是不是太晚了, 会算5/31还是6/1买进！ 算五月份开始还是六月份开始？