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re: I Series bond
Posted on 4/26/23 at 6:03 am to glorymanutdtiger
Posted on 4/26/23 at 6:03 am to glorymanutdtiger
2
Posted on 4/26/23 at 6:56 am to Stateguy
That’s a good article.
I’m playing the long game with IBonds. Building up a position overtime. Tax deferred growth, no state income taxes ever, and anytime inflation surges so will the yield.
I’m playing the long game with IBonds. Building up a position overtime. Tax deferred growth, no state income taxes ever, and anytime inflation surges so will the yield.
Posted on 4/26/23 at 6:57 am to glorymanutdtiger
Why not just ride it out, rates will eventually go back up.
Posted on 4/26/23 at 8:08 am to glorymanutdtiger
I don’t think anyone has mentioned the fixed rate part of the equation. The fixed rate was 0 but is going up to the .5% range likely. That means any new ibonds you buy carry that forever in addition to the inflation adjustment. If you think there will be more inflation in the future, now is a good time to buy and hold those ibonds for a permanent extra half percent.
This post was edited on 4/26/23 at 8:09 am
Posted on 4/26/23 at 8:38 am to Stateguy
quote:
Tipswatch article on when to sell
Thank you for the info, that was helpful.
Posted on 4/26/23 at 12:10 pm to SaintsTiger
quote:
I’m playing the long game with IBonds. Building up a position overtime. Tax deferred growth, no state income taxes ever, and anytime inflation surges so will the yield.
Same. The bulk of my 1 year emergency fund will be in I bonds. Will take me another few years to build it up.
Posted on 4/26/23 at 5:14 pm to gpburdell
If you do or are inclined to have a side gig, set it up as an LLC. Get a taxpayer identification number.
That way you can put another $10k /year in since it’s another tax id number.
That way you can put another $10k /year in since it’s another tax id number.
Posted on 4/26/23 at 5:32 pm to glorymanutdtiger
I bought more yesterday. 6 months at roughy 6.9% I think it was, and then probably 3.8% for six months still averages out to over 5%. Not too bad. But I agree with the sentiment that this will probably be my last year purchasing
Posted on 4/29/23 at 9:46 am to Zzyzx
4.3% is the new rate. Fixed rate is 0.9%.
Higher than expected. I won't be 3 months past a full year until September. Guess it'll depend on what's available then to put it in that's a better rate for me.
Higher than expected. I won't be 3 months past a full year until September. Guess it'll depend on what's available then to put it in that's a better rate for me.
Posted on 4/29/23 at 11:32 am to NATidefan
quote:
4.3% is the new rate. Fixed rate is 0.9%.
Not bad. Higher than my bank interest rate
I’ll keep letting it ride.. at least for 3 months.
Posted on 4/29/23 at 12:21 pm to VermilionTiger
quote:
Not bad. Higher than my bank interest rate
Keep in mind that 4.3% is the new composite rate. It only applies if you are buying new I bonds between May 1 to Nov 1.
If you bought I bonds within the last couple years, the composite rate would vary from 3.4-3.9% depending on what fixed rate your bonds have.
As I plan to hold I bonds long term, my plan will be to redeem 10k of my I bonds that have 0% fixed rate and get new ones with the 0.9% fixed rate.
This post was edited on 4/29/23 at 12:22 pm
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