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semi-annual I bonds update

semi-annual I bonds update# Money - 海外理财

y*i2011-10-20 07:10

1 楼

buy before 10/31/11, earn 4.60% APR from 10/2011 to 3/2012, and 3.06% APR
from 4/2012 to 9/2012
redeem on 10/1/2012, get 3.34% annualized return for an 11-month holding
period
$10,000 limit per SSN ($5,000 paper + $5,000 electronic)
state income tax free
federal income tax free when paying qualified higher education expenses
http://www.mymoneyblog.com/savings-i-bonds-september-2011-updat

m*a2011-10-20 07:10

2 楼

Re. 看起来不错。
听电视里常有10yr t-notes (t=treasury), t-bond什么的，还有根本记不得名字的，
谁能给科普一下。哪种适合新手啊？

【在 y****i 的大作中提到】

: buy before 10/31/11, earn 4.60% APR from 10/2011 to 3/2012, and 3.06% APR
: from 4/2012 to 9/2012
: redeem on 10/1/2012, get 3.34% annualized return for an 11-month holding
: period
: $10,000 limit per SSN ($5,000 paper + $5,000 electronic)
: state income tax free
: federal income tax free when paying qualified higher education expenses
: http://www.mymoneyblog.com/savings-i-bonds-september-2011-updat

y*i2011-10-20 07:10

3 楼

http://www.treasurydirect.gov/indiv/products/products.htm
TIPS and I savings bonds are popular ones

【在 m*****a 的大作中提到】

: Re. 看起来不错。
: 听电视里常有10yr t-notes (t=treasury), t-bond什么的，还有根本记不得名字的，
: 谁能给科普一下。哪种适合新手啊？

m*a2011-10-20 07:10

4 楼

谢谢，收藏了。很多人说stock有风险的时候，bond就是一个避风港。

【在 y****i 的大作中提到】

: http://www.treasurydirect.gov/indiv/products/products.htm
: TIPS and I savings bonds are popular ones

k*n2011-10-20 07:10

5 楼

bond is not 避风港
bond现在风险也不小

【在 m*****a 的大作中提到】

: 谢谢，收藏了。很多人说stock有风险的时候，bond就是一个避风港。

h*n2011-10-20 07:10

6 楼

mark

l*h2011-10-20 07:10

7 楼

限1w，还是折腾reward checking

m*a2011-10-20 07:10

8 楼

Google了一下，发现ibond根CD类似，但更适合长期持有:
Pros:
* not subject to state income tax on interest (CD does)
* no federal tax ONLY if used for education purpose (CD does)
* instable rate (good or bad). Base rate(never change)+varible rate
depending on inflation (change semi-annually). (CD never changes)
Cons:
* you can't easily cash it. must hold for 1 yr before redemption. Plus, any
redemption between 1yr-5yr=3month interest penelty. Not good for short-time
money loading. (so always compare ibonds with a 5yr-CD)
应该还有什么风险吧，欢迎补充。

【在 k****n 的大作中提到】

: bond is not 避风港
: bond现在风险也不小

y*i2011-10-20 07:10

9 楼

actually in low interest rate environment as we are experiencing right now
it is more appropriate to compare I bonds with 1 year than 5 year CD
the fixed rate of I bonds is currently 0%, and it is likely to remain 0% for
a long while, which makes it less attractive as a long term investment

any
time

【在 m*****a 的大作中提到】

: Google了一下，发现ibond根CD类似，但更适合长期持有:
: Pros:
: * not subject to state income tax on interest (CD does)
: * no federal tax ONLY if used for education purpose (CD does)
: * instable rate (good or bad). Base rate(never change)+varible rate
: depending on inflation (change semi-annually). (CD never changes)
: Cons:
: * you can't easily cash it. must hold for 1 yr before redemption. Plus, any
: redemption between 1yr-5yr=3month interest penelty. Not good for short-time
: money loading. (so always compare ibonds with a 5yr-CD)

w*o2011-10-20 07:10

10 楼

这东西咋买啊，直接上那个http://www.treasurydirect.gov/tdhome.htm？用银行checking转账买？谢谢

【在 y****i 的大作中提到】

: http://www.treasurydirect.gov/indiv/products/products.htm
: TIPS and I savings bonds are popular ones

b*i2011-10-20 07:10

11 楼

re

【在 m*****a 的大作中提到】

: 谢谢，收藏了。很多人说stock有风险的时候，bond就是一个避风港。

y*i2011-10-20 07:10

12 楼

yes
http://www.treasurydirect.gov/indiv/indiv_open.htm
it is too late to open your TD account and buy before 10/31 because the
account opening process takes very long time.
but you still can buy paper I bonds from your local banks
http://www.mymoneyblog.com/how-to-buy-paper-series-i-savings-bo

【在 w********o 的大作中提到】

: 这东西咋买啊，直接上那个http://www.treasurydirect.gov/tdhome.htm？用银行checking转账买？谢谢

w*o2011-10-20 07:10

13 楼

明白了，多谢多谢

【在 y****i 的大作中提到】

: yes
: http://www.treasurydirect.gov/indiv/indiv_open.htm
: it is too late to open your TD account and buy before 10/31 because the
: account opening process takes very long time.
: but you still can buy paper I bonds from your local banks
: http://www.mymoneyblog.com/how-to-buy-paper-series-i-savings-bo

f*i2011-10-20 07:10

14 楼

恩，我也是这个想法，要折腾cc的deal的话得留点活钱

【在 l***h 的大作中提到】

: 限1w，还是折腾reward checking

S*C2011-10-20 07:10

15 楼

Well not true. It takes us three days to get the access card mailed to us
after online account application, although the website said it takes 2 weeks.

【在 y****i 的大作中提到】

t*e2011-10-20 07:10

16 楼

楼主推荐的只要hold 11个月。这个redemption的时候有penalty吗

any
time

【在 m*****a 的大作中提到】

y*i2011-10-20 07:10

17 楼

yes, you'll forfeit the last three month's interest if you redeem before 5
years
3.34% annualized return already takes this penalty into consideration and
also assumes you hold the bonds for 11 months

【在 t*****e 的大作中提到】

: 楼主推荐的只要hold 11个月。这个redemption的时候有penalty吗
:
: any
: time

y*i2011-10-20 07:10

18 楼

well, you are one of the lucky ones
TD is dumping the stupid access card, so who knows how long it takes now to
open a TD account.

weeks.

【在 S**C 的大作中提到】

: Well not true. It takes us three days to get the access card mailed to us
: after online account application, although the website said it takes 2 weeks.