I don't think this is true "楼主现在到九月的利率是6.48%". the rate will change on May, which is 4.3% for new purchase. ========================================================= The composite rate for I bonds issued from May 2023 through October 2023 is 4.30%. now this 4.3% is for new purchase, which includes 0.9% fix rate, for the people purchased earlier, I think the rate will be even lower since earlier purchase has fix rate 0%.
I don't think this is true "楼主现在到九月的利率是6.48%". the rate will change on May, which is 4.3% for new purchase. ========================================================= The composite rate for I bonds issued from May 2023 through October 2023 is 4.30%. now this 4.3% is for new purchase, which includes 0.9% fix rate, for the people purchased earlier, I think the rate will be even lower since earlier purchase has fix rate 0%. darksky01 发表于 2023-04-29 09:58
尽管各人买的i bond的利率由公布的新利率决定，但有个时间上的延迟，与其买i bond的时间有关。看下面这段后的表格 https://www.treasurydirect.gov/savings-bonds/i-bonds/i-bonds-interest-rates/ Interest rate changes depend on when we issued the bond Although we announce the new rates in May and November, the date when the rate changes for your bond is every 6 months from the issue date of your bond.
尽管各人买的i bond的利率由公布的新利率决定，但有个时间上的延迟，与其买i bond的时间有关。看下面这段后的表格 https://www.treasurydirect.gov/savings-bonds/i-bonds/i-bonds-interest-rates/ Interest rate changes depend on when we issued the bond Although we announce the new rates in May and November, the date when the rate changes for your bond is every 6 months from the issue date of your bond. 金银岛 发表于 2023-04-29 10:10
借问一下， 如果我去年买了 i-bond gift 给别人，但没办放今年deliver 给他。可能要明年或后年， 那这笔gift 今年算谁的assest?
kate1091 发表于 2023-04-29 11:34
没想过这问题，查了查觉得得算对方的asset，虽然在deliver之前他没权利处置。参见 https://tipswatch.com/2022/10/23/want-to-stash-i-bonds-in-a-gift-box-do-it-by-wednesday/ If the gift recipient dies before you deliver the gift, the designated second owner or beneficiary will inherit your gift. If you die before granting the gift, the recipient still owns it and will be able to claim it through TreasuryDirect.
treasury direct 网页上操作即可，见 https://www.treasurydirect.gov/savings-bonds/manage-bonds/treasurydirect/td-tour-individuals/redeem-savings-bonds/ 里的图示，钱可以退到在官网账户里设置的关联银行账户里。
看收益怎么只是增加了6百多？
4 月28号买的，当时利率7.12% 看版上帖子 https://huaren.us/showtopic.html?topicid=2797214&&fid=398&postid=92805427 22年10-23年3月 利率 9.62%
下一个半年的利率是6.48%，然后是3.4%
现在看官网说6.48% 已经没有了，5月1号起是4.3%，我是今天到期，其实今天能不能买下一年的呢？如果可以的话，应该买6.48%的
对，每隔半年自动更新利率。你去年4月买的i bond的固定利率为0，所以你的利率就是当前决定的利率中的浮动利率部分。比如五月份新购买的i bond固定利率0.9%，浮动利率3.4%，总计4.3%。这个新利率决定了你去年买的这笔i bond从今年十月份到明年三月的利率就是这个新浮动利率，即3.4%。
谢谢！没完全理解。 我不用手动renew吧？买了就不用管了是吗？还是说我半年或一年要手动renew？为啥我好像利息只有六百多呢，看版上应该利息高于这个呀
不用做任何事，自动更新。
网站上显示的收益不包含最近三个月的利息，即你现在看到是从去年四月到今年一月这十个月的收益。这样显示的原因是你买了i bond后五年内取出的话不付你最后三个月的利息。
7.12%*10000*6/12+9.62%*10000*4/12=356+321=677
多谢多谢！
五月几号会加息啊？
Ibonds是30年的，自己不用动手做任何事情。
低于一年不能出售。如果持有超过5年，卖出时不扣利息，否则扣三个月的利息。
你看到的价值已经抵扣了三个月的利息，是假定你当天卖的税前所得。
楼主现在到九月的利率是6.48%，从十月到明年三月的利率是3.4%。楼主十二月一日兑现最好，如果那时国债和CD还有现在的收益，而十一月公布的i bond新浮动利率又不高的话。
I don't think this is true "楼主现在到九月的利率是6.48%". the rate will change on May, which is 4.3% for new purchase. ========================================================= The composite rate for I bonds issued from May 2023 through October 2023 is 4.30%.
now this 4.3% is for new purchase, which includes 0.9% fix rate, for the people purchased earlier, I think the rate will be even lower since earlier purchase has fix rate 0%.
尽管各人买的i bond的利率由公布的新利率决定，但有个时间上的延迟，与其买i bond的时间有关。看下面这段后的表格 https://www.treasurydirect.gov/savings-bonds/i-bonds/i-bonds-interest-rates/
Interest rate changes depend on when we issued the bond
Although we announce the new rates in May and November, the date when the rate changes for your bond is every 6 months from the issue date of your bond.
没有明白，从十月到明年三月的利率不应该是4.3%, 咋会是3.4%?
利率由两部分组成，一是浮动利率每半年更新一次，由通胀率决定，二是固定利率，购买时决定，虽然也是半年更新一次，但新的固定利率只适用于新购买的i bond。楼主去年四月购买的i bond固定利率为0。现在新公布的4.3%利率包含3.4%的浮动利率和0.9%的固定利率。所以现在购买新i bond的话半年之内利率是4.3%，但过去已经购买的i bond的下一个半年利率周期的利率则由这次公布的浮动利率（3.4%)和它自己的固定利率（楼主是0）决定。
这个讲的最清楚
也是0，过去的固定利率见 https://www.treasurydirect.gov/savings-bonds/i-bonds/i-bonds-interest-rates/
你是对的，忘了这个了.
弱问一下，Ibond 怎么取？是在账户里点点鼠标操作一番就可以把钱拿出，转入其它银行？ 还是更麻烦的途径才能取出？
没想过这问题，查了查觉得得算对方的asset，虽然在deliver之前他没权利处置。参见 https://tipswatch.com/2022/10/23/want-to-stash-i-bonds-in-a-gift-box-do-it-by-wednesday/
If the gift recipient dies before you deliver the gift, the designated second owner or beneficiary will inherit your gift.
If you die before granting the gift, the recipient still owns it and will be able to claim it through TreasuryDirect.
treasury direct 网页上操作即可，见 https://www.treasurydirect.gov/savings-bonds/manage-bonds/treasurydirect/td-tour-individuals/redeem-savings-bonds/ 里的图示，钱可以退到在官网账户里设置的关联银行账户里。
谢谢科普.....
请问今年还值得再买一万吗? 如果想买,是不是趁现在6点多赶紧买?
现在已经没法买6点几的了，因为是周末。现在买也要到周一五月一日按新利率卖给你。
不值得买了。我去年十月买的i bond也许到十二月就取出了。
谢谢,是哦,如果按新利率,那就不值得买了
是，每半年一次利息加入本金
名义上算他的，但是你没有deliver，他也不能处置，同时你也不能花。所以没有deliver的ibond实际处在limbo状态。
i bond利率每半年自动更新一次。你去年十月买的i bond，去年十月至今年三月年利率9.62%，今年四月至九月年利率6.48%，今年十月至明年三月年利率3.4%。
明白了，谢谢！