It also works to a limited extent if you think the high interest rates on I Bonds are only temporary. You can buy a gift for your spouse and hold it in your gift box. Have your spouse do the same for you. Wait until interest rates drop and the two of you don’t buy I Bonds anymore. Then you can deliver the gift to each other. The older gift bonds earned the high interest rates in the years past and they have aged enough for immediate cashout.
We’re buying each other a gift this year to keep undelivered in the gift box in addition to our normal purchases. If the interest rate is still good next year, we’ll buy normally and keep the gift in the gift box. If the interest rate isn’t good anymore, we’ll skip the purchase, deliver the gift, and cash out immediately.
It also works to a limited extent if you think the high interest rates on I Bonds are only temporary. You can buy a gift for your spouse and hold it in your gift box. Have your spouse do the same for you. Wait until interest rates drop and the two of you don’t buy I Bonds anymore. Then you can deliver the gift to each other. The older gift bonds earned the high interest rates in the years past and they have aged enough for immediate cashout.
We’re buying each other a gift this year to keep undelivered in the gift box in addition to our normal purchases. If the interest rate is still good next year, we’ll buy normally and keep the gift in the gift box. If the interest rate isn’t good anymore, we’ll skip the purchase, deliver the gift, and cash out immediately.
"We’re buying each other a gift this year to keep undelivered in the gift box in addition to our normal purchases."
2022 buy $10K for self, and $10K for gift for spouse. Do not deliver gift.
"If the interest rate is still good next year, we’ll buy normally and keep the gift in the gift box. "
2023 if rate is high, buy $10K for self. Still hold 2002 gift don't deliver.
"If the interest rate isn’t good anymore, we’ll skip the purchase, deliver the gift,
20XX if rate is low, don't buy $10K for self. Just deliver 2022 gift to spouse.
"and cash out immediately."
20XX since rate is low this year, once your spouse receives the gift, she cashs out.
看说明书，脑子要放空，毫无先见，这样才能理解作者的本意。否则自己的主见干扰自己理解作者的用意。
https://www.treasurydirect.gov/savings-bonds/
https://www.treasurydirect.gov/savings-bonds/how-much-can-i-spend-own/
挺没劲的。
毕竟国债和CD也只是目前房市现金无处去时的权宜之计。
Average 6.5% yield. Around 10% gain in Oct so far (I know, I know, gain might disappear again. But who cares, 6.5% yield is good.
)
I-Saving 太优惠了，像赌博时让你把牌翻开看过然后决定打不打。
告诉你下6个月半年挣4.81%，再下6个月至少3.24%。如果你1年后取出，扣3个月利息，大概还剩：
(1+4.81%) * (1+3.24%/2) - 1 = 6.508%
除了 I-Bond，你能找到 6.508% 年利率吗？通胀没了你就取出来吗。
今天很难进 TreasuryDirect，我连看看 T-bill auction result 都要等
BTW，今天 auction
28天： 3.660% (Investment Rate)
56天： 3.896% (Investment Rate)
7Yr: 4.192% (High Yield) 【这个不是 junk bond 的意思】
https://bbs.wenxuecity.com/bbs/rdzn/4906612.html