我也在学习。可以在treasurydirect买。http://www.treasurydirect.gov/indiv/research/indepth/ibonds/res_ibonds_iratesandterms.htm 利率计算如下: FV = PV × {[1 + (CR ÷ 2)] (m÷6)} Where: FV (future value) = redemption value on the accrual date rounded to the nearest cent without consideration of penalty. PV (present value) = redemption value at the beginning of the semiannual rate period calculated without consideration of penalty. For bonds that are older than five years, PV will equal the redemption value at the start of the semiannual rate period. CR = composite rate converted to decimal form by dividing by 100. m = number of full calendar months elapsed during the semiannual rate period.
【在 n********e 的大作中提到】 : >=0
x*n
30 楼
赫赫,俺最喜欢的是唐朝老五的雾中行,不太流行
d*s
31 楼
目前有个问题,就是I Bond maturity 是30年,这30年里,CR是不是每年3月和9月调整 ?而不是从买入那天固定不变的?因为CR是由FIXED RATES和INFLATION RATES共同组成 的。
【在 d****s 的大作中提到】 : 我也在学习。可以在treasurydirect买。http://www.treasurydirect.gov/indiv/research/indepth/ibonds/res_ibonds_iratesandterms.htm : 利率计算如下: : FV = PV × {[1 + (CR ÷ 2)] (m÷6)} : Where: : FV (future value) = redemption value on the : accrual date rounded to the nearest cent : without consideration of penalty. : PV (present value) = redemption value at the : beginning of the semiannual rate period : calculated without consideration of penalty.
Thanks. It seems that I bonds issued during 2000-2001 has the best return rates.
reserve,
【在 S**C 的大作中提到】 : yes, fixed rate will not change. So it is only good to replace cash reserve, : not good for long term investment as current fixed component is zero.
f*a
38 楼
啊呀呀,闲云大师,我昨天没仔细听 今天一听,觉得你唱得好喜感啊,哈哈哈哈 听了之后一天就开心
y*e
39 楼
如果只有不到一年的闲钱,能买6个月的bond么?
reserve,
【在 S**C 的大作中提到】 : yes, fixed rate will not change. So it is only good to replace cash reserve, : not good for long term investment as current fixed component is zero.
You can only redeem I-bond after 12 months. To be exact, 11 months and a couple of days. You can buy near the end of, say March this year, and redeem it at the very first day of March next year, and forfeit last three months interest, still better than 1-year CD.
【在 S**C 的大作中提到】 : You can only redeem I-bond after 12 months. To be exact, 11 months and a : couple of days. You can buy near the end of, say March this year, and redeem : it at the very first day of March next year, and forfeit last three months : interest, still better than 1-year CD.