不可以 每个人只能有1万 https://thefinancebuff.com/buy-i-bonds-as-gift.html If you’re thinking of letting others buy I Bonds as gifts for you to double up the $10,000 annual purchase limit, it doesn’t quite work either. Gifts delivered to you count toward your annual purchase limit. If you receive the maximum in gift bonds for the year, buying additional bonds in the same calendar year will put you over the limit. Buying I Bonds as a gift works when you want a family member to have some I Bonds but they don’t have spare cash. It works the same as giving them money and letting them buy themselves.
gift box里面的i bond理论上不在任何人名下，因为你给出去了，receiver还没收到，谁也动不了。 给孩子的不要多买，上次讨论过gift for future interest 不包含在annual gift exclusion $16000里面，不值得这个稅上的麻烦，毕竟高利息不能一直持续。给队友的可以买上一两年。 11月的新利息fixed part很可能会大于零，虽然浮动部分利率会降，对打算长持7-8年以上的人来说可能更划算。
不可以 每个人只能有1万 https://thefinancebuff.com/buy-i-bonds-as-gift.html If you’re thinking of letting others buy I Bonds as gifts for you to double up the $10,000 annual purchase limit, it doesn’t quite work either. Gifts delivered to you count toward your annual purchase limit. If you receive the maximum in gift bonds for the year, buying additional bonds in the same calendar year will put you over the limit. Buying I Bonds as a gift works when you want a family member to have some I Bonds but they don’t have spare cash. It works the same as giving them money and letting them buy themselves. neverland10 发表于 2022-10-21 18:37
I'm pretty sure you can buy now, let it sit in the gift box, and send the gift next year. The reason someone might do this is because the current interest rate is still 9.62%. Comes November the rate will drop to ~6.48%. So if you buy now, you can lock in 6 months of 9.62%. Also while it sits in the giftbox, the clock is still ticking down on the 12 months holding period. So when you gift it next year, your spouse won't have to wait 12 months before being able to cash it out. Of course, gifting $10k next year means your spouse can't buy $10K for 2023. But unless you think inflation will exceed 9.62% next year, it's probably more profitable to buy now while the rate is high.
gift box里面的i bond理论上不在任何人名下，因为你给出去了，receiver还没收到，谁也动不了。 给孩子的不要多买，上次讨论过gift for future interest 不包含在annual gift exclusion $16000里面，不值得这个稅上的麻烦，毕竟高利息不能一直持续。给队友的可以买上一两年。 11月的新利息fixed part很可能会大于零，虽然浮动部分利率会降，对打算长持7-8年以上的人来说可能更划算。 robots 发表于 2022-10-21 19:46
谢谢分享！ 刚上网看到一篇文章： What to consider when buying I bonds in 2022 You are required to hold I bonds for 12 months, yet you only know the rate you’ll get over the next 6 months. There are 2 rates you need to keep in mind: The current rate for October purchases and 6-month renewals, will be 9.62% The rate after that, from November 2022 – April 2023 purchases and renewals, will be 6.48% or higher (depending on if there is a fixed rate above 0.0%. Combined these two rates will give you an annualized 6.51% over the next 12-15 months, even after the 3-month prior interest penalty. 如果我和队友各买一万，互赠两万，宝宝买一万，一共七万， 第一年大概生息： 70k * (0.0481+0.0324) = 5635。 我觉得还可以啊。 第二年如果average 利率维持在5%, 还能生息大概 70k * 0.05 = 3500. 第三年如果利率大幅下降，取出5万，剩2万熬到12月也提前取出来了。低利率的罚款三个月也没多少钱，就让罚吧。 数学小白一枚，这样算，对不对？ 报税方面，所有的生息 都只需要报联邦税。还有宝宝的1万 需要额外报 gift 相关的税，是吗？
谢谢分享！ 刚上网看到一篇文章： What to consider when buying I bonds in 2022 You are required to hold I bonds for 12 months, yet you only know the rate you’ll get over the next 6 months. There are 2 rates you need to keep in mind: The current rate for October purchases and 6-month renewals, will be 9.62% The rate after that, from November 2022 – April 2023 purchases and renewals, will be 6.48% or higher (depending on if there is a fixed rate above 0.0%. Combined these two rates will give you an annualized 6.51% over the next 12-15 months, even after the 3-month prior interest penalty. 如果我和队友各买一万，互赠两万，宝宝买一万，一共七万， 第一年大概生息： 70k * (0.0481+0.0324) = 5635。 我觉得还可以啊。 第二年如果average 利率维持在5%, 还能生息大概 70k * 0.05 = 3500. 第三年如果利率大幅下降，取出5万，剩2万熬到12月也提前取出来了。低利率的罚款三个月也没多少钱，就让罚吧。 数学小白一枚，这样算，对不对？ 报税方面，所有的生息 都只需要报联邦税。还有宝宝的1万 需要额外报 gift 相关的税，是吗？
cansmtell 发表于 2022-10-22 01:58
宝宝的1万，因为是今年的gift，算在今年annual gift里，小于$32000（父母双方limit），所以不用报税啊。还有Ibond如果付学费可以免税，所以父母账户里长持以后付孩子学费也make sense. I Bonds can be used to pay for college, with interest earned being tax-free if the bonds are used for Qualified Higher Education Expenses– tuition and fees, books, supplies, room and board– for eligible taxpayers. Eligibility is income-based and phases out started at MAGI of $123,550 for married filers and $82,350 for all others. Better still, you can use I Bonds for pretty much anything; if they’re not used for qualified higher education expenses, you simply pay federal– not state– income taxes on the interest accrued when you redeem the bond.
刚看到说，如果Gift amount超过1.6万刀，需要交 tax of future interest. 想请教大家：我跟队友，给自己买的，和赠与对方的，purchase_date都是今天，所以我们两个今年各自都有2万刀ibond, 超过1.6万的limit, 是不是要交 tax of future interest? 如果是这样的话，是不是就不用再给宝宝买gift ibond 1万刀了，因为要交更多的tax of future interest.可能最后并不划算?
谢谢！ 那我们是不是今年最多可以 各自给宝宝 买gift ibond 1.6万刀。宝宝这边，他2022年自己有1万刀ibond, 2023/2024/2025年可以各接受1万刀gift ibond, 剩下的2000刀 到2026年才接受。
我这样的理解，对吗？
主要想现在先买多一些，放着生息。
想问一下每六个月后调息，那利率以后 (两三年后）没那么高了还划算吗？
你用minor account 给小孩买的10000也应该算在16000之内 所以你们两个今年可以再给小孩gift22000 其实你们完全可以再互赠对方一些，不受16000限制 毕竟给了小孩理论上就是小孩的了 反正原则就是每人每年10000 多了的就不能deliver gift 必须放在gift box里面等 明年要是通胀降下来，ibond利率肯定也跟着降 慢慢就不划算了 但是放在gift box里的钱是动不了的 不过谁也不敢保证明年不会继续通胀 还是要提前规划好
是的。 目前ibond利息高，是inflation 高。如果fed能在2024，2025 把通胀降下来，ibond的利息就会很低了，别的投资就会make more sense。如果gift买的太多，无法deliver，就动不了了。
不可以 每个人只能有1万 https://thefinancebuff.com/buy-i-bonds-as-gift.html
If you’re thinking of letting others buy I Bonds as gifts for you to double up the $10,000 annual purchase limit, it doesn’t quite work either. Gifts delivered to you count toward your annual purchase limit. If you receive the maximum in gift bonds for the year, buying additional bonds in the same calendar year will put you over the limit.
Buying I Bonds as a gift works when you want a family member to have some I Bonds but they don’t have spare cash. It works the same as giving them money and letting them buy themselves.
过几年利率低了，卖掉就是了，损失三个月利息好像
穿越了吗
lol, 2024 2025
gift box里面的i bond理论上不在任何人名下，因为你给出去了，receiver还没收到，谁也动不了。 给孩子的不要多买，上次讨论过gift for future interest 不包含在annual gift exclusion $16000里面，不值得这个稅上的麻烦，毕竟高利息不能一直持续。给队友的可以买上一两年。 11月的新利息fixed part很可能会大于零，虽然浮动部分利率会降，对打算长持7-8年以上的人来说可能更划算。
2022年宝宝自己的1万刀就是gift了，他还没挣钱呢？剩下2.2万刀如果买在gift box里，等以后几年deliver，就是for future interest，上次讨论过说不行，不包括在annual gift tax exclusion 里面，除非你在税表里单独申报Lifetime gift tax exemption.
I'm pretty sure you can buy now, let it sit in the gift box, and send the gift next year.
The reason someone might do this is because the current interest rate is still 9.62%. Comes November the rate will drop to ~6.48%. So if you buy now, you can lock in 6 months of 9.62%.
Also while it sits in the giftbox, the clock is still ticking down on the 12 months holding period. So when you gift it next year, your spouse won't have to wait 12 months before being able to cash it out.
Of course, gifting $10k next year means your spouse can't buy $10K for 2023. But unless you think inflation will exceed 9.62% next year, it's probably more profitable to buy now while the rate is high.
谢谢分享！ 刚上网看到一篇文章：
What to consider when buying I bonds in 2022 You are required to hold I bonds for 12 months, yet you only know the rate you’ll get over the next 6 months. There are 2 rates you need to keep in mind: The current rate for October purchases and 6-month renewals, will be 9.62% The rate after that, from November 2022 – April 2023 purchases and renewals, will be 6.48% or higher (depending on if there is a fixed rate above 0.0%. Combined these two rates will give you an annualized 6.51% over the next 12-15 months, even after the 3-month prior interest penalty.
如果我和队友各买一万，互赠两万，宝宝买一万，一共七万， 第一年大概生息： 70k * (0.0481+0.0324) = 5635。 我觉得还可以啊。 第二年如果average 利率维持在5%, 还能生息大概 70k * 0.05 = 3500. 第三年如果利率大幅下降，取出5万，剩2万熬到12月也提前取出来了。低利率的罚款三个月也没多少钱，就让罚吧。
数学小白一枚，这样算，对不对？ 报税方面，所有的生息 都只需要报联邦税。还有宝宝的1万 需要额外报 gift 相关的税，是吗？
宝宝的1万，因为是今年的gift，算在今年annual gift里，小于$32000（父母双方limit），所以不用报税啊。还有Ibond如果付学费可以免税，所以父母账户里长持以后付孩子学费也make sense.
I Bonds can be used to pay for college, with interest earned being tax-free if the bonds are used for Qualified Higher Education Expenses– tuition and fees, books, supplies, room and board– for eligible taxpayers. Eligibility is income-based and phases out started at MAGI of $123,550 for married filers and $82,350 for all others. Better still, you can use I Bonds for pretty much anything; if they’re not used for qualified higher education expenses, you simply pay federal– not state– income taxes on the interest accrued when you redeem the bond.