2022年因为国债的收益挺好,很多人买了国债,比如本大叔,报税的时候才发现买卖国债的报税真麻烦呀! 在二级市场上买卖国债,i.e.,不是买新发行的国债并持有到期,那买卖的时候都要在国债的价钱的基础上加上accrued interests, 简单举例,买一张国债,比如国债的价钱是 980,买的时候在这张国债上accumulate了10美元的利息(从上次付息到你买的时间所积累的利息),那买的实付价钱是 990 过几天你把这张国债卖了,假如国债的价钱是还 980,但卖的时候在这张国债上accumulate了15的利息,那买的实收价钱是 995 问题在于 Broker 给你的1099-INT表上 box 3 Interest on U.S. Savings Bonds and Treas. Obligations,里面报给IRS的数据是 15, 并没有自动把你买的时候付出的 10美元利息给减掉,就好像你收到了15的利息, 然后你报税的时候要做 Accrued Interest Adjustment,把你买的时候付出的10美元的利息给adjust掉,but for some reason, Accrued Interest Paid on Purchases(10美元in this case)并没有report给IRS, 本大叔去年买卖国债总额有几千万,刚收到fidelity的1099-INT,里面的accured interests 将近100万,但其实绝大部分都不是本大叔收到的,因为本大叔只持有几天就把国债卖掉了,所以要做Accrued Interest Adjustment,把不属于本大叔的利息减掉,但是真麻烦呀! 不明白为什么Broker 在给的1099-INT表上 box 3里面,没有自动把买的时候付出的利息减掉! 有经验或者懂的来说说,具体要怎么做Accrued Interest Adjustment,把不属于你的利息减掉。 本大叔 发表于 2023-01-23 19:29
If you are trading on fidelity you better have your own accouting software. I just was hit by some margin interest because they liquidate money market on their "best effort". Meaning even if you have 500K in a money market fund in your account but because you only have 1K in their CORE position (only earning 2% interest) a 100K transfer out would hit with 99K margin usage. And if that goes over a weekend plus a holiday you ended up paying 4 day margin interest. Sounds like you need to write your own software.
在treadurydirect上买的没这个问题吗
这个板上很多大妈,这只大妈就是典型,自己穷的叮当响,就见不得别人露富。LOL!
这种大妈最喜欢那些病了求bless的贴,装模作样的bless一下,既满足自己的虚荣心,又可以装逼。LOL!
好像只能禁3天,除非写着“永久禁言”
Fidelity 的界面很方便。 信息比如钱的出入,都是实时 update。
Fidelity 代表你去 Treasury auction 上买 treasury bonds, 好像没有手续费。
咱们大部分人不就是想要那个利息吗。很多人不是交易二手 bonds 那块料。
如果想随时卖, 也很方便脱手,就像卖股票一样。 Fidelity 也是二手市场。
看你恼羞成怒的样子居然还有点萌
ibond is 30 year tax deferred
If you are trading on fidelity you better have your own accouting software. I just was hit by some margin interest because they liquidate money market on their "best effort". Meaning even if you have 500K in a money market fund in your account but because you only have 1K in their CORE position (only earning 2% interest) a 100K transfer out would hit with 99K margin usage. And if that goes over a weekend plus a holiday you ended up paying 4 day margin interest.
Sounds like you need to write your own software.
赞一个👍 本大叔是个牛人啊