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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

3,498 Comments

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Dec 12, 2021
518 Posts
Joined Nov 2010
Dec 12, 2021
sd8384
Dec 12, 2021
518 Posts
Quote from 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.
Agree sir, Unite or Perish!
Dec 12, 2021
60 Posts
Joined Nov 2012
Dec 12, 2021
SneakoBaggin
Dec 12, 2021
60 Posts
Quote from mrjbaires :
Hey I been thinking of doing that. How long have you had your funds in there?
UST earns 19.4% right now.
1
Dec 12, 2021
996 Posts
Joined Nov 2017
Dec 12, 2021
spittlbm
Dec 12, 2021
996 Posts
Quote from Ride_The_Sky :
Can you get these from Vanguard?
Treasury Direct only
1
Dec 12, 2021
220 Posts
Joined Nov 2011
Dec 12, 2021
debpal
Dec 12, 2021
220 Posts
Dec 12, 2021
44 Posts
Joined Jan 2016
Dec 12, 2021
cringeAnt
Dec 12, 2021
44 Posts
Is this a new crypto or retro crypto?
4
Dec 12, 2021
7,483 Posts
Joined Sep 2008
Dec 12, 2021
DogAndPony
Dec 12, 2021
7,483 Posts
Quote from SiennaDeer8270 :
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.
LOL? No, I missed that. Someone actually admitted to that? Horrible investment prior to this year with inflation being extremely low. I'd hold some I bonds currently, but still do the bulk of my investing in the stock market. Trying to time the market is a fool's errand.
Dec 12, 2021
1,422 Posts
Joined Dec 2014
Dec 12, 2021
Beach__House
Dec 12, 2021
1,422 Posts
Quote from jcrash :
Gold hasn't given any return in ten years.
I never said return, I said hedge against inflation.
1

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Dec 12, 2021
7,445 Posts
Joined Nov 2006
Dec 12, 2021
KMan
Dec 12, 2021
7,445 Posts
Quote from Yosemity :
Safe? Just look at what our government is doing or not doing right now… complete economic idiots…. I'm expecting to see the ☠️ flag flying soon.
Scratching my head looking for an actual argument there, with supporting facts, logic, historical evidence, etc...

Are you an actual economic expert or do you just watch a certain "news" channel all the time?

An assertion, no matter how deeply felt or loudly made, is not an argument. And no, "It's obvious!" is not an argument, either. Nor is a personal insult or face palm.
4
Dec 12, 2021
289 Posts
Joined Dec 2019
Dec 12, 2021
SeriousIdea249
Dec 12, 2021
289 Posts
Quote from SneakoBaggin :
UST earns 19.4% right now.
Yessir. I've been using that. I just wonder what will happen during a bear market. Also, there's always the risk of Anchor getting hacked
1
Pro
Dec 12, 2021
690 Posts
Joined Aug 2006
Dec 12, 2021
iansp
Pro
Dec 12, 2021
690 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.
Never say NEVER......where is Rome and Egypt today ....once great empires !!
Last edited by iansp December 12, 2021 at 09:28 AM.
Dec 12, 2021
596 Posts
Joined Dec 2004

This comment has been rated as unhelpful by Slickdeals users.

Dec 12, 2021
1,664 Posts
Joined Feb 2007
Dec 12, 2021
techie333
Dec 12, 2021
1,664 Posts
Quote from GreyJuice3723 :
I'd be very weary of UST, Terra CEO got served papers at the top of an escalator at an event

You're referring to the SEC handing Do Kwon papers at a conference which violated their own rules. He sued SEC right back for that move. The basis of the SEC lawsuit is they are too dumb to understand how the assets are leveraged and upset that anchor and mirror allows people to buy coins representing stock shares. But really it's the same as any futures ETF or market or a million other leveraged assets.

From Yahoo article [yahoo.com]:
Quote :
"But the company's lawsuit not only disputes the subpoena and requested testimony from Kwon, a South Korea citizen and resident, but it also claims the SEC violated its own rules and hired an outside private process service company to deliver the subpoena at a crowded conference as a means to "publicly intimidate and embarrass."
"In addition to violating its rules regarding service, the SEC's conduct here violated its rules requiring it to keep formal orders of investigation confidential," the suit claims.
The filing also documents a July 8, five-hour Webex call during which Kwon answered questions from SEC attorneys about how Terra's Mirror Protocol functions. A subsequent request by the SEC for documents that the company said were either too broad in scope or did not exist "evidenced the SEC's misunderstanding of the nature of the Mirror Protocol itself."
I feel pretty safe with my money earning 20%
Last edited by techie333 December 12, 2021 at 02:45 PM.
4
Dec 12, 2021
2,842 Posts
Joined Jul 2009
Dec 12, 2021
keung
Dec 12, 2021
2,842 Posts
Quote from Kissimmeegal :
Treasury Direct sucks. When my husband of 35 years died, they made me jump through hoops to get his money out, even though I had the Judges signed order granting me title to the funds and my husband's death certificate. Had to get my lawyer to help, even though at the time I could ill afford to put out money to pay attorney fees. Not only that, it took them two months to finally release the funds.
Good luck on getting the money back out if you need it.
If your husband simply put you as his beneficiary (POD) or secondary owner the process should be a lot simpler.. https://www.treasurydirect.gov/in...dsecondary
4
Dec 12, 2021
1,833 Posts
Joined Nov 2011
Dec 12, 2021
capitol9000
Dec 12, 2021
1,833 Posts
Quote from Wyvern1 :
can we transfer these to a brokerage?
No. Govt inly
1

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Dec 12, 2021
1,183 Posts
Joined Mar 2005
Dec 12, 2021
acegolfer
Dec 12, 2021
1,183 Posts
Quote from WiseLeopard609 :
On the surface, the deal seems fantastic but...

I am looking at historical rates over the past 5 years. The average seems to be around 2.5% a year, which isn't horrible if you are over 65 and need to park your money somewhere super safe.

Then again if you invested in Amazon 5 years ago, your investment would be worth 400% more, Walmart 200%, Bitcoin 300%.

If you are under 50, you are literally throwing money away investing in treasuries because of the time value of money. You aren't going to be wealthy turning $700 a year on $10,000.

If you believe the stock market is going to crash (it could), you should be keeping your money available, so you can buy stocks at the bottom.
I-bonds should not be considered as a substitute for stocks. It's a substitute for bonds or HYSA.

Quote from beirbuddycom :
I believe these are tax exempt from federal taxes. So if true, you'll only pay state income tax on this.
It's the opposite. Treasuries (including i-bonds) are state tax exempt. One still have to pay Fed tax.

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