楼上的做法都没问题。 paper I-bond 官网答案： Who may cash a bond for a child? You may cash a savings bond for a child (a minor under the age of 18) if all of these statements are true: The child is too young to understand a request for payment. You are the child''s parent. The child lives (resides) with you OR you have been granted legal custody of the child. Electronic bonds For electronic bonds held in a TreasuryDirect account, different rules apply. Typically, bonds held for a minor are held in a special minor''s account over which the parent will have authority. The TreasuryDirect system will allow you to view the child''s bonds and select redemption options for cashing bonds in either in part or in full.
楼上的做法都没问题。 paper I-bond 官网答案： Who may cash a bond for a child? You may cash a savings bond for a child (a minor under the age of 18) if all of these statements are true: The child is too young to understand a request for payment. You are the child''s parent. The child lives (resides) with you OR you have been granted legal custody of the child. Electronic bonds For electronic bonds held in a TreasuryDirect account, different rules apply. Typically, bonds held for a minor are held in a special minor''s account over which the parent will have authority. The TreasuryDirect system will allow you to view the child''s bonds and select redemption options for cashing bonds in either in part or in full. flyfireice 发表于 2023-07-01 01:02
回复 1楼betatest的帖子 我理解不用这么复杂。“When you cash out the bonds, you represent to the Treasury department you’ll spend the money specifically for the child’s benefit.” 只要把钱花在孩子身上就好了，课外活动啥的都算，这很容易满足。
回复 1楼betatest的帖子 我理解不用这么复杂。“When you cash out the bonds, you represent to the Treasury department you’ll spend the money specifically for the child’s benefit.” 只要把钱花在孩子身上就好了，课外活动啥的都算，这很容易满足。 sunnybaby18 发表于 2023-07-01 22:07
今年I Bond利率降了不少，就打算卖掉，损失三个月利息也无所谓。但是卖掉之后，钱怎么转出来呢？转到我自己银行账户，那不成了娃给我礼物？
还是说，要给娃开一个监管人账户，然后加到我的Treasury Direct里，再把钱转进去呢？
谢谢大家~
paper I-bond
官网答案： Who may cash a bond for a child? You may cash a savings bond for a child (a minor under the age of 18) if all of these statements are true: The child is too young to understand a request for payment. You are the child''s parent. The child lives (resides) with you OR you have been granted legal custody of the child.
Electronic bonds For electronic bonds held in a TreasuryDirect account, different rules apply. Typically, bonds held for a minor are held in a special minor''s account over which the parent will have authority. The TreasuryDirect system will allow you to view the child''s bonds and select redemption options for cashing bonds in either in part or in full.
你贴的没有解答问题呀？只是说父母有控制权，可以提现。但是并没有说父母可以把钱转父母自己的账户。
夫妻之间的赠礼没有额度限制，除此之外都有，包括未成年的孩子。
没这一说吧 应该能够取出的 需要有个合理理由比如529
在别的银行或券商给娃开一个UTMA账户，还是娃的名字由你监管。如果能连到Treasury Direct就卖掉直接转过去。如果不能连就先转回你的银行，然后转入娃的UTMA账户
mark
MM能解释一下为什么必须转出到UTMA账户吗？谢谢！
请问可以直接转到哪（些）种投资账户呢？不能是普通的checking or savings accounts吗？多谢！
我理解不用这么复杂。“When you cash out the bonds, you represent to the Treasury department you’ll spend the money specifically for the child’s benefit.”
只要把钱花在孩子身上就好了，课外活动啥的都算，这很容易满足。
12/1/21-5/30/22 年利率7.12% 6/1/22-11/30/22 年利率9.62% 12/1/22-5/30/23 年利率6.48% 6/1/23-11/30/23 年利率3.38%
建议在今年9月1日兑现，这样的话损失今年6至8月三个月的低利率。
那时给的利息约是20000*(7.12+9.62+6.48)/2/100=2300，考虑复利的因素会比它略高。
i bond有税上的优惠吗？取出来也不知道放在哪儿，放在银行合算吗？
如果你家收入不高，可以留着给孩子上大学交学费，免税。https://www.treasurydirect.gov/savings-bonds/tax-information-ee-i-bonds/using-bonds-for-higher-education/
不然的话取出时收益交联邦税，免交州税和地方税。建议把钱用来买短期国债（T- bill），当前收益较高，同样免交州税和地方税。可以在fidelity开个brokerage账户买。
这个说法不太准确，应该是按个人每半年一调。比如4月买入，即便五月利率变化，也是到10月才开始新利率。
你是说我的计算里没考虑你说的那些规定？那请你来对层主21年12月买的i bond给出个准确计算。
多谢
mark i bond tax benefit
进了你的银行账户，钱就不好跟踪了，因为你没法说明哪笔支出是从娃的钱走的。
空账号可能好点。
层主说12月买的了？真是12月，确实像你说的9月取
哦，你争议的是几月份算年底，我还以为你在说我没理解i bond利息的计算规则。
三个利息加起然后是应该除3 还是除2？ 为什么除2呢？除3的话那就是1500 不是2300了。
因为这些时间段都是半年
没必要一起取出吧，除非你图省事。21年底买的建议9月初取出，22年初买的建议10月初取出。
要交联邦税，免交州税和地方税。
小孩的收益按大人的税率交税。
谢谢你的建议