大人可以给小孩买一万，但是，买了就是送给孩子了，不能收回。以后大人不能兑现了钱用来自己花或者为自己投资。Making false statements to the federal government is a crime and can be prosecuted. 要么以后孩子大了转给他，或者只花在孩子身上要保留证据。
当然这钱作为孩子的财产，在上大学计算学费时，也是比529更不利的。另外大人还得file tax return on behalf of the kid.因为孩子财产的利息收入要上税。you only take the money back to yourself, you’ll engage in tax fraud, which will get you into more trouble.
I just openned my Treasury Direct account, and I opened a linked account for my son. I purchased $100 under my account and $100 under my son's account. We'll see if his account could gift his $100 ibond to me. Maybe in a few days.
I assume one person can only purchase $10,000 ibond per year. The website says additional purchase will be refunded taking up to 2 weeks.
My goal is to get my parent's US money into ibond. MY parents can purchase $20,000. I and my two kids can purchase $30,000 and gift to my parents.
This way my parents can have $50,000 getting 9% at least for this year.
There is no gift. If my parents gave me $20,000 helping them to buy a car, and if the car ends up under their name, there is no gift, even when the $20K passes through my bank. So gift tax should not be a consideration.
Legally this might be considered a trust, that my parents are the grantor and beneficiary, and I am the trustee.
一年一人只能买一万，没有联邦退税就没法再买那额外的五千。
大人可以给小孩买一万，但是，买了就是送给孩子了，不能收回。以后大人不能兑现了钱用来自己花或者为自己投资。Making false statements to the federal government is a crime and can be prosecuted. 要么以后孩子大了转给他，或者只花在孩子身上要保留证据。
当然这钱作为孩子的财产，在上大学计算学费时，也是比529更不利的。另外大人还得file tax return on behalf of the kid.因为孩子财产的利息收入要上税。you only take the money back to yourself, you’ll engage in tax fraud, which will get you into more trouble.
为了这么点钱搞这么麻烦更本不值得啊。
I just openned my Treasury Direct account, and I opened a linked account for my son. I purchased $100 under my account and $100 under my son's account. We'll see if his account could gift his $100 ibond to me. Maybe in a few days.
I assume one person can only purchase $10,000 ibond per year. The website says additional purchase will be refunded taking up to 2 weeks.
My goal is to get my parent's US money into ibond. MY parents can purchase $20,000. I and my two kids can purchase $30,000 and gift to my parents.
This way my parents can have $50,000 getting 9% at least for this year.
这个bond年底会有1099－INT吗，如果有，会给谁呢？父母、孩子、老人？
爹妈换到美国的钱我在代管。我和小孩的TreasuryDirect都从爹妈的美国账户上转钱，买了ibond再送给爹妈的TreasuryDirect的账户。我先看看能不能做。
我爸妈的账号也是我在管。你的操作相当与老人赠与你和孩子，然后你们再赠与回给他们，转一圈谁也不用申报赠与。看好你的操作思路，能行得通就太好了。这个利息挺好，就是每人只能买1万，账号分散太麻烦，所以我一直没买。如果照你的思路，可以给父母集中买6万了，自己夫妇＋2个孩子。
ibond的利息是免税吗，不免税年底要发1099-INT吧，到时发给谁呢，估计谁收益给谁，就是发给老人。
There is no gift. If my parents gave me $20,000 helping them to buy a car, and if the car ends up under their name, there is no gift, even when the $20K passes through my bank. So gift tax should not be a consideration.
Legally this might be considered a trust, that my parents are the grantor and beneficiary, and I am the trustee.
父母是grantor和beneficiary，是五万存款的实际拥有人和高利息的实际收益人，会不会被Treasure认为是违反了一人只能一万的限额。也不知道为什么限定一人一万，为了人人有机会享受高利息？