现在还值得买I bonds吗？

目前rate好像6.8左右。考虑到CD也不算低，还值得折腾bonds吗？

每年也买不了多少， 都无所谓了。 俺大部分前都 parking 在 etrade premium saving, 3.25% 现在。 可以炒股， 偶尔买点 tbill.

都可以买啊，ibond买够限额，剩下的买CD

目前rate好像6.8左右。考虑到CD也不算低，还值得折腾bonds吗？
fibril 发表于 2023-01-08 14:09

用来付大学学费，没有联邦税， 积少成多，到时候可以付一个学期或一年的学费

用来付大学学费，没有联邦税， 积少成多，到时候可以付一个学期或一年的学费
落地无声 发表于 2023-01-08 14:36

还可以这样操作吗？是这个吗？ Normally, the interest you earn on your savings bonds becomes part of your gross income for tax purposes. Under certain conditions, though, you can avoid taxes on the interest by using it to pay for higher education.
Important: Note the age restriction in the next section. The person named on the bond must be 24 years or older when the bond is issued. Therefore, a bond issued with a child's name will not qualify even years later when the child is ready for college. If you want to buy savings bonds to later get this tax exclusion for a child's higher education, you must register the bonds in your name, not the child's. 看上去只能是家长的名字，我理解的对吗？

这个有额度限制吧，多买了要分好几年deliver,流动性不高也不见得划算，我只买了今年的限额

还可以这样操作吗？是这个吗？ Normally, the interest you earn on your savings bonds becomes part of your gross income for tax purposes. Under certain conditions, though, you can avoid taxes on the interest by using it to pay for higher education.
Important: Note the age restriction in the next section. The person named on the bond must be 24 years or older when the bond is issued. Therefore, a bond issued with a child's name will not qualify even years later when the child is ready for college. If you want to buy savings bonds to later get this tax exclusion for a child's higher education, you must register the bonds in your name, not the child's. 看上去只能是家长的名字，我理解的对吗？
fibril 发表于 2023-01-08 15:20

还有收入（家长的收入，不是娃的）限制。用华人（贫困线，呼吸线，自杀线）的定义，肯定不满足。

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每人每年只有一万

还有收入（家长的收入，不是娃的）限制。用华人（贫困线，呼吸线，自杀线）的定义，肯定不满足。
flyfireice 发表于 2023-01-08 15:33

是的，$158K 夫妻以下才能用。 每年波动。 但是等孩子大四，夫妻都退休了说不定就可以了。 其实也没几个利息钱。

这样啊，那确实限制有点大。谢谢。