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expired Posted by dn90003 • Dec 12, 2021
expired Posted by dn90003 • Dec 12, 2021

US Treasury Series I Savings Bonds Inflation Rate Earnings (Nov '21 - April '22)

(Limit $10K/Year Per Person)

7.12% Interest

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Note: This popular deal is still available.

U.S, Government Treasury is currently offering 7.12% Interest Rate in combined Fixed + Inflation Rate Earnings valid on newly issued Series I Savings Bonds purchased from November 2021 through April 2022. Limit of $10,000 / year in interest earnings per person.

Thanks to community member dn90003 for sharing this offer.

About this offer:
  • How do I buy a Series I bond?
  • What is a Series I bond? (source)
  • "A savings bond that earns interest based on combining a fixed rate and an inflation rate."
  • You may use Series I bonds to:
    • Save in a low-risk product that helps protect your savings from inflation
    • Supplement your retirement income
    • Give as a gift
    • Pay for education
    • Click here for more information about Series I Bonds
  • What interest does a Series I bond earn? (source)
    • A combination of a fixed rate that stays the same for the life of the bond and an inflation rate that is set twice a year.
    • For bonds issued from November 2021 through April 2022, the combined rate is 7.12%

Editor's Notes

Written by BostonGirl
Refer to the forum thread here for more information and details.

Original Post

Written by dn90003
Community Notes
About the Poster
Deal Details
Community Notes
About the Poster
Note: This popular deal is still available.

U.S, Government Treasury is currently offering 7.12% Interest Rate in combined Fixed + Inflation Rate Earnings valid on newly issued Series I Savings Bonds purchased from November 2021 through April 2022. Limit of $10,000 / year in interest earnings per person.

Thanks to community member dn90003 for sharing this offer.

About this offer:
  • How do I buy a Series I bond?
  • What is a Series I bond? (source)
  • "A savings bond that earns interest based on combining a fixed rate and an inflation rate."
  • You may use Series I bonds to:
    • Save in a low-risk product that helps protect your savings from inflation
    • Supplement your retirement income
    • Give as a gift
    • Pay for education
    • Click here for more information about Series I Bonds
  • What interest does a Series I bond earn? (source)
    • A combination of a fixed rate that stays the same for the life of the bond and an inflation rate that is set twice a year.
    • For bonds issued from November 2021 through April 2022, the combined rate is 7.12%

Editor's Notes

Written by BostonGirl
Refer to the forum thread here for more information and details.

Original Post

Written by dn90003

Community Voting

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Top Comments

Looks tempting. But these are only rated for inflation as fixed rate is 0%. Once inflation is back down, your rate will go down with it.
In case you're wondering, here's how the rate is computed:
Composite rate =
No, these are govt bonds. They stay in the treasury. I bonds are based on the rate of inflation. They have a fixed rate plus the current rate of inflation. Inflation goes up, you earn more. It was 3.54%. Rates went up on 11/1. To realize the full benefit you need to buy before the rates change on 5/1 and 11/1. No fees or penalties. Hold for a min.of a year. If you cash out in less than 5 years you forfeit 3 months interest. After 5 years, you don't pay anything. You can only buy $10k/yr and then up to an additional $5k if purchased directly from your tax refund.
I bought $10k in denominations of 2,3, 5 so if I want to cash out I can do it in chunks instead of having to cash out $10k.: Better than any CD or bank rate if you want to stay in cash.
By the way, using your tax refund to purchase bonds won't count toward your $10k yearly limit.

https://www.treasurydirect.gov/in...eature.htm

3,499 Comments

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Dec 12, 2021
7,397 Posts
Joined Nov 2006
Dec 12, 2021
KMan
Dec 12, 2021
7,397 Posts
Quote from wshtb :
So what? The Zimbabwe government never defaulted on Zimbabwe-denominated debts either. It means nothing when you can print unlimited amount of your own money.
Can and does are two very different things. But do enjoy living on your private reality planet.
1
Dec 12, 2021
7,397 Posts
Joined Nov 2006
Dec 12, 2021
KMan
Dec 12, 2021
7,397 Posts
Quote from SeriousLake4219 :
This cannot happen to USD as long as it is the default currency used for oil trading. Maybe in another 10+ years it could happen.
Pointless to tell that to people who are glued to certain "news" channels all day long and long since sucked into the cult.
3
Dec 12, 2021
7,397 Posts
Joined Nov 2006
Dec 12, 2021
KMan
Dec 12, 2021
7,397 Posts
Quote from shark974 :
This is completely incorrect. But the party in power sure wants you to believe that.

Large scale macro inflation is ALWAYS the result of money printing and not one other thing. Some people will go to the ends of the earth to refuse to acknowledge this.

Anybody who thought we were going to inject 2 trillion of covid stimulus into the economy and it not have any inflationary effect was smoking crack. What a gigantic pork filled boondoggle beyond comprehension. Who even knows where any of that money went, other than what went directly to the public. It didn't accomplish a darn thing I promise you that. Not one road, daycare, or anything else was built. It all went poof, as always.
You got any actual economic research that backs up ANY of this? Citing some hack who said something somewhere is not that. Nor is that old saw "Oh come on! It's OBVIOUS!". Lazy minds, lazy thinking. Btw most of the money got spent. On real things. That put the money back in circulation. Where it gets taxed.
6
Dec 12, 2021
325 Posts
Joined Nov 2013
Dec 12, 2021
smokines3
Dec 12, 2021
325 Posts
interesting option op.
Dec 12, 2021
1,412 Posts
Joined Jan 2020
Dec 12, 2021
SiennaDeer8270
Dec 12, 2021
1,412 Posts
Quote from DogAndPony :
You're talking LONG Term. Ten years! You only need to hold these bonds for one year. If you're expecting a downturn in the market why put it in there for a year and lose money?
Yes this is a decent investment if you are saving up for a purchase in the next few years or if you feel stocks are overpriced and you want to time the market. But remember the guy who said he held this for 20 years? Bwahhhahahaha. Worst investment I have ever seen.
1
Dec 12, 2021
2,043 Posts
Joined Jun 2006
Dec 12, 2021
jcrash
Dec 12, 2021
2,043 Posts
Quote from Pseudoty :
Just buy more Gold or Silver as a hedge against inflation.
Gold hasn't given any return in ten years.
1
Dec 12, 2021
81 Posts
Joined Mar 2019

This comment has been rated as unhelpful by Slickdeals users.

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Dec 12, 2021
3,413 Posts
Joined Feb 2007
Dec 12, 2021
nolenski
Dec 12, 2021
3,413 Posts
Quote from Lerxst :
That would be crypto, vegan, cross fit, ultra runners, and they are real.
You missed gluten-free.

But, on a more serious note...
https://finance.yahoo.com/news/mi...?.tsrc=372
"The best thing you could do is sell all $10 trillion of gold and buy bitcoin. Gold is a dead rock. It's the worst-performing asset, bar none, no debate. There is no hope for it."

Not that I agree, but an interesting article nevertheless.
Last edited by nolenski December 12, 2021 at 09:13 AM.
1
Dec 12, 2021
2,043 Posts
Joined Jun 2006
Dec 12, 2021
jcrash
Dec 12, 2021
2,043 Posts
Quote from SeriousLake4219 :
This cannot happen to USD as long as it is the default currency used for oil trading. Maybe in another 10+ years it could happen.
Might want to look at a chart of the dollar versus any real world good over the last fifty years.
Dec 12, 2021
916 Posts
Joined Jun 2007
Dec 12, 2021
Kissimmeegal
Dec 12, 2021
916 Posts
Quote from SeriousLake4219 :
Thx for the heads up but couldn't you have sent the money to the linked bank account ? If that was shared between the two of you, TD would be none the wiser.
The moment I made them aware of the situation that my husband had passed and I needed to cash in, they put a lock on the account. I never thought for a moment that it would be a problem. If I knew what I was in store for, then I may have considered that option.
Dec 12, 2021
990 Posts
Joined Nov 2017
Dec 12, 2021
spittlbm
Dec 12, 2021
990 Posts
Quote from langjie :
that's my understanding

also it's per person, so if you have kids you can open it in their name as well
It's per tax id, so not just people
Dec 12, 2021
14,487 Posts
Joined Jan 2010
Dec 12, 2021
Ride_The_Sky
Dec 12, 2021
14,487 Posts
Can you get these from Vanguard?
2
1
Dec 12, 2021
7,397 Posts
Joined Nov 2006
Dec 12, 2021
KMan
Dec 12, 2021
7,397 Posts

Our community has rated this post as helpful. If you agree, why not thank KMan

All I ask is that instead of arguing an ideology or political affiliation, or what they think is common sense, that people argue actual facts and history, not some "obvious"-sounding maxim or prediction with no basis in experience or the support of sound theory. Heavier than air flight sounds ridiculous too but it's 100% real. The ancients thought it obvious that the earth was flat and the center of the universe. Beat that with a stick. So when you say that obviously X causes Y, you need to support it with an argument that rests on provable facts and historical experience that's application to the specific situation in question.
1
1
Dec 12, 2021
7,397 Posts
Joined Nov 2006
Dec 12, 2021
KMan
Dec 12, 2021
7,397 Posts
Quote from Mark34204 :
Wow. A MMT (Magic Money Tree) hugger. I wish I lived in your universe.
So basically, you got nothing, just ad hom. Got it.

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Dec 12, 2021
2,043 Posts
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Dec 12, 2021
jcrash
Dec 12, 2021
2,043 Posts
Quote from apffel :
So crazy to me that people still think this way. Crypto has a $3 Trillion market cap. Definitely will never go to zero and still the fastest growing investment in my portfolio.
No coiners will eventually buy, just much higher.
1

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