【英译汉】《US Treasury Bonds Rate Set To 7.12% (I Bonds)》

康赛欧 · 2022-03-23 11:40:04Z

【英译汉】《US Treasury Bonds Rate Set To 7.12% (I Bonds)》简介

来源: 康赛欧于 2022-03-23 11:40:04 [档案] [博客] [旧帖] [给我悄悄话] 本文已被阅读：次 (7686 bytes)

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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.