《US Treasury Bonds Rate Set To 7.12% (I Bonds)》 March 23, 2022, 08:00 by Chuck Update 3/22/22: It's looking like the rate for May-October 2022 will be in the 7-9% range, we'll know more in a month. In any case, you'll want to buy in your 2022 allotment of $10,000 now or sometime before the end of April 2022. That way you’ll get the 7.12% rate for 6 months and then another high rate (likely in the 7-9% range) for the next 6 months.
Original Post 10/13/21:
Multiple people have been asking us to write about buying US Treasury Series I Savings Bonds, known as I Bonds. The rate adjusts on these bonds every six months. The current rate for May – October 2021 is 3.54% APY. The rate is set to change in November to 7.12% APY (source). You are limited to buying $10,000 per calendar year per SSN. The rate locks for 6 months from your purchase date and then updates to the new rate for the following 6 months, etc, etc.
You have to lock the money in for a year; after that you can pull the funds out with a 3-month penalty. If you leave the money in for 5 years there is no penalty.
We've had the I Bonds rate on our Best High-Yield Savings Account page for quite some time now, though I never focused on it much due to the $10,000 limit. However, given the current climate of low interest rates at regular banks, and the upcoming high interest rate of I Bonds, I’m definitely planning on doing this.
I'm no expert on these yet, but my understanding of the the best approach is to buy $10,000 in I Bonds now before the end of October (always give yourself a few day buffer for anything which has government involvement). Then buy another $10,000 sometime between January 1, 2022 and April 30, 2022. This way you'll end up with $20,000 earning the 7.12% rate.
Your 2021 $10k will earn 3.54% APY for 6 months and 7.12% APY for the other 6 months. Even if you don’t want to leave the funds there for 5 years (when you can withdraw penalty-free), you can pull the funds out in January 2023 and you’ll lose the interest from October, November, December 2022. So you’ll end up getting like 4-5% APY on the 15 months you had the bonds. Your 2022 $10k will earn 7.12% APY for 6 months and an undisclosed amount for the last six months. Worst case scenario, if the interest rate is 0% for the second part of 2022, you can pull your money out after 12 months, and you’ll have earned around 3.6% APY on the 12 months.
If you don't buy until after November 1st, you can still get your $10,000 in for 2021. However, we don’t know what the second 6 months will be – it’s all tied to inflation rates. Others might prefer to wait until after November 1st thinking that the May 2022 rate will be higher than 3.54%, but you run the risk of the rate going down as low as 0%. Personally, I plan to buy now in October and lock in the 3.54% rate given that is already a high rate.
Some other facts to know about I Bonds:
The total maturity of I Bonds is 30 years. You only pay federal tax on the interest. There is no state or local taxes. Even the federal taxes can be deferred until the bond matures in 30 years. (You might be exempt from federal taxes if the funds are used for certain higher education expenses.) Best time to buy I Bonds is at the end of the month since interest is paid as if you purchased from the 1st of the month, regardless of when you buy. E.g. if you buy on October 31th, you’ll get interest as if you bought on October 1st. Never leave it until the last minute since it can sometimes take some time to get the account set up properly. As mentioned, there is a $10,000 limit in online I Bonds purchases. You can also buy another $5,000 in paper I Bonds by getting your tax refund in the form of paper I Bonds. That increases your total to $15,000 per year. (There is a method to convert the paper bonds to become electronic and pool with your online balance.) I’d be interested in overpaying on my taxes in order to get the additional $5,000 in paper I Bonds at the 7.12% rate as well before the rate changes on April 30, 2022. Important Note: if you extend your tax return, then I assume you’ll get the May – October 2022 rate which will likely be less favorable. Spouses can each do this separately: a couple filing jointly can actually lock in $45,000 at the 7.12% rate as each can get $20,000, plus $5,000 in paper I Bonds on their shared tax return. Fund your I Bonds with an ACH pull. You can open a second TreasuryDirect account for your business with its separate business name and EIN. This allow you to purchase an additional $10,000 in I Bonds each calendar year. Buy I Bonds by opening an account with Treasury Direct. You can also go to the TreasuryDirect.gov home page and click Open Account on the right-hand side. Once in your Treasury Direct account, go to the Buy Direct tab at the top of the page, then choose the Bonds ‘Series I’ option.
今天看到家里领导上海的亲戚发来的微信，有篇是钟南山先生的关于国内要逐步开放的文章，我想这是个信号，逐步开放，那么就意味着回国昂贵的机票要慢慢趋于正常化，回国繁琐的检测趋于简单化，回国有关隔离政策也将会被取消哈。
这种消息让我看到些曙光，前些日子看到有关回国的消息，尽是些让人沮丧的消息。不管怎样，钟南山先生说话还是有一定分量的，他所说的，想必是有人让他这么说的。
上海的亲戚现在也是很犯愁啊，他在上海和浙江都有公司和工厂，上海封城，生产不能正常运行，那就是没有劳动，就没有收入，这不光是对员工而言；对资本家而言，这样长期下去，那些员工怎么养活？是裁员呢还是不裁员呢？
我作为一个自负盈亏的小老板，太能理解亲戚的心情了，公司和工厂，每天都是靠钱来运转的，每天都在花钱，一旦停工停产，就意味着大家都等着喝西北风吧。国内反对开放的声音还是很大，但想没想过，如果年轻人不去上班挣钱，去创造价值，那么谁来养活老人和未成年的孩子们？！
我以前就说过，年轻人过不好，那么老人和孩子都过不好，不管反对的声音有多么大，我还是这么认为的。周边的国家都陆陆续续在开放，中国何去何从，那真要好好考虑了，如果经济不好，十四亿人的吃喝拉撒睡成了问题，就是社会不稳定的因素。
大概是去年5，6月份的时候，我开始买Series I Savings Bonds (简称I bonds)；今年三月中旬的时候，通过买的软件，我就报了去年的个人所得税，由于税多交了几千刀，又不想让IRS把钱退给我们，大概等了2-3周的时间，上个礼拜，终于收到政府寄来的债券，也就是我们交多了的税，直接就买了I bonds，没有让IRS把多交的税退给我们。
由于现在通胀高达8%多，I bonds 的利率涨到了9%多，不管怎样，虽然每人每年只能买1万刀的I bonds，说实在的，真是很少，那么今年多出的几千刀更算不了什么，但是苍蝇腿也是肉啊。以前看到过网友也有这样做的，不知道什么原因，政府没认同，直接退税，而没买成I bonds。我们这次成功被政府认同了，还是有些小兴奋哈。
这两年多的疫情，搞的人心情有些烦躁，我也很少出门，尽量与人少接触，生活过得平平淡淡。在这些日子里，主要是修身养性，做自我的沉淀，为将来做准备工作。虽然说平平淡淡才是真，但有些小激动和小兴奋，能为简单的生活增添些乐趣。
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值得让人兴奋一下的好消息 我打了Pfizer新冠疫苗的第二针加强针, 也就是第四针 【英译唐诗】崔护《题都城南庄》 春天里在桃花盛开中快乐的小鸟 【英译唐诗和咏唱】白居易《忆江南三首》《US Treasury Bonds Rate Set To 7.12% (I Bonds)》 March 23, 2022, 08:00 by Chuck Update 3/22/22: It's looking like the rate for May-October 2022 will be in the 7-9% range, we'll know more in a month. In any case, you'll want to buy in your 2022 allotment of $10,000 now or sometime before the end of April 2022. That way you’ll get the 7.12% rate for 6 months and then another high rate (likely in the 7-9% range) for the next 6 months.
Original Post 10/13/21:
Multiple people have been asking us to write about buying US Treasury Series I Savings Bonds, known as I Bonds. The rate adjusts on these bonds every six months. The current rate for May – October 2021 is 3.54% APY. The rate is set to change in November to 7.12% APY (source). You are limited to buying $10,000 per calendar year per SSN. The rate locks for 6 months from your purchase date and then updates to the new rate for the following 6 months, etc, etc.
You have to lock the money in for a year; after that you can pull the funds out with a 3-month penalty. If you leave the money in for 5 years there is no penalty.
We've had the I Bonds rate on our Best High-Yield Savings Account page for quite some time now, though I never focused on it much due to the $10,000 limit. However, given the current climate of low interest rates at regular banks, and the upcoming high interest rate of I Bonds, I’m definitely planning on doing this.
译文由康赛欧翻译《美国国债系列个人储蓄利率定为7.12%》：
22 年 3 月 22 日更新：
看起来 2022 年 5 月至 10 月的利率将在 7-9% 范围内，我们会在一个月内知道更多的信息。在任何情况下，只要是在 2022年4 月底之前的某个时间里，您就能购买$10,000，它是2022 年对于每个人制定的配额 。这样，您将获得 6 个月的 7.12% 利率，然后在下半年，再获得另一个高利率（可能在 7- 9% 范围）。
原稿写于21 年 10 月 13 日：
多人一直在请求我们撰写有关购买美国国债系列个人储蓄（US Treasury Series I Savings Bonds）（简称为 个人储蓄-I Bonds）的文章。这些债券的利率每六个月调整一次。 2021 年 5 月至 2021 年 10 月的利率为 3.54% APY。该利率在 11 月定为 并达到7.12% APY。每个 有社会安全号的人在 每个日历年，您只能购买 10,000 美元。利率从您购买之日起锁定 6 个月，然后在接下来的 6 个月内更新为新利率，以此类推。
您必须将资金锁定一年，之后，您可以提取资金并处以 3 个月的罚款。如果您将这笔钱存入 5 年，5年后提取，则不会受到任何处罚。
有关I Bonds的利率，在我们的最佳高收益储蓄账户列表（our Best High-Yield Savings Account page）中已经有一段时间了，但我从未过多关注它，因为只能买1万美元。但是，鉴于目前的形势，普通银行的低利率，而即将推出的 I Bonds 的高利率，我肯定计划会去购买它。
下面的我就没译，太长了，留给感兴趣的小伙伴们翻译。
I'm no expert on these yet, but my understanding of the the best approach is to buy $10,000 in I Bonds now before the end of October (always give yourself a few day buffer for anything which has government involvement). Then buy another $10,000 sometime between January 1, 2022 and April 30, 2022. This way you'll end up with $20,000 earning the 7.12% rate.
Your 2021 $10k will earn 3.54% APY for 6 months and 7.12% APY for the other 6 months. Even if you don’t want to leave the funds there for 5 years (when you can withdraw penalty-free), you can pull the funds out in January 2023 and you’ll lose the interest from October, November, December 2022. So you’ll end up getting like 4-5% APY on the 15 months you had the bonds. Your 2022 $10k will earn 7.12% APY for 6 months and an undisclosed amount for the last six months. Worst case scenario, if the interest rate is 0% for the second part of 2022, you can pull your money out after 12 months, and you’ll have earned around 3.6% APY on the 12 months.If you don't buy until after November 1st, you can still get your $10,000 in for 2021. However, we don’t know what the second 6 months will be – it’s all tied to inflation rates. Others might prefer to wait until after November 1st thinking that the May 2022 rate will be higher than 3.54%, but you run the risk of the rate going down as low as 0%. Personally, I plan to buy now in October and lock in the 3.54% rate given that is already a high rate.
Some other facts to know about I Bonds:
The total maturity of I Bonds is 30 years. You only pay federal tax on the interest. There is no state or local taxes. Even the federal taxes can be deferred until the bond matures in 30 years. (You might be exempt from federal taxes if the funds are used for certain higher education expenses.) Best time to buy I Bonds is at the end of the month since interest is paid as if you purchased from the 1st of the month, regardless of when you buy. E.g. if you buy on October 31th, you’ll get interest as if you bought on October 1st. Never leave it until the last minute since it can sometimes take some time to get the account set up properly. As mentioned, there is a $10,000 limit in online I Bonds purchases. You can also buy another $5,000 in paper I Bonds by getting your tax refund in the form of paper I Bonds. That increases your total to $15,000 per year. (There is a method to convert the paper bonds to become electronic and pool with your online balance.) I’d be interested in overpaying on my taxes in order to get the additional $5,000 in paper I Bonds at the 7.12% rate as well before the rate changes on April 30, 2022. Important Note: if you extend your tax return, then I assume you’ll get the May – October 2022 rate which will likely be less favorable. Spouses can each do this separately: a couple filing jointly can actually lock in $45,000 at the 7.12% rate as each can get $20,000, plus $5,000 in paper I Bonds on their shared tax return. Fund your I Bonds with an ACH pull. You can open a second TreasuryDirect account for your business with its separate business name and EIN. This allow you to purchase an additional $10,000 in I Bonds each calendar year. Buy I Bonds by opening an account with Treasury Direct. You can also go to the TreasuryDirect.gov home page and click Open Account on the right-hand side. Once in your Treasury Direct account, go to the Buy Direct tab at the top of the page, then choose the Bonds ‘Series I’ option.