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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

3,499 Comments 1,448,019 Views
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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
3,563 Posts
Joined Mar 2019
Dec 12, 2021
NukinFuts
Dec 12, 2021
3,563 Posts
Quote from Nrkeene :
Thx op but Holy #*×!

7% on a tbill?! Causes me to really worry about inflation!
Read last night that my area, Tampa Bay in Florida, has 10 percent inflation, the highest in all America, regionally.

..... 7% is only the beginning.
Dec 12, 2021
7,393 Posts
Joined Nov 2006
Dec 12, 2021
KMan
Dec 12, 2021
7,393 Posts
Quote from ThePublisher :
Buy Bitcoin. This is garbage.
Because speculating on things that have no basis in anything real for the average person who isn't a trading expert is always the smart bet...
1
Dec 12, 2021
64 Posts
Joined Nov 2015
Dec 12, 2021
RandyH2190
Dec 12, 2021
64 Posts
Quote from Nrkeene :
Thx op but Holy #*×!

7% on a tbill?! Causes me to really worry about inflation!
Build back better, at least we don't have any mean tweets.
1
4
Dec 12, 2021
2,965 Posts
Joined Dec 2009
Dec 12, 2021
RyanMPLS
Dec 12, 2021
2,965 Posts
Quote from saghey :
I had the treasury site pull from my bank account. They transferred the funds on the next business day. Not sure why you are having trouble.
Withdrawals are equally fast from TD to bank. Apparently, the banks trust the Fed.
1
Dec 12, 2021
486 Posts
Joined Dec 2006
Dec 12, 2021
Zurg
Dec 12, 2021
486 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.
He uses same rationale that majority of people I talked about Bitcoin when it was at $40. No tangible assets tied to it they said, no real value, no...etc.
Yep, they all think differently now. lol
Dec 12, 2021
40 Posts
Joined Oct 2018
Dec 12, 2021
Rodnoosh
Dec 12, 2021
40 Posts
So If I plan to take this out in 15 months I only lose 3 months of interest? Is this correct?
Dec 12, 2021
3,902 Posts
Joined Sep 2005
Dec 12, 2021
MeatCatalog
Dec 12, 2021
3,902 Posts
Quote from KMan :
Prove it. Saying it is not that. Show us how one led to the other. That one followed the other is not proof.

However, Americans already eat way too much much so that's a bad thing how? No one NEEDS meat.
Google.com

My statements are not controversial or even political. If the FED refuses to raise rates AND the US govt continues to send money to people while they sit at home from lockdowns there are fewer goods and services in the economy with more money. Inflation happens. Period. And it will not stop for at least 10 years because the FED refuses to crash the asset markets by raising interest rates.
1

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Dec 12, 2021
7,393 Posts
Joined Nov 2006
Dec 12, 2021
KMan
Dec 12, 2021
7,393 Posts
Quote from puffyblowfish :
inflation is going nowhere. the national debt is $30T and heading to $40T in a couple years. Our entire tax revenue will be used to sevice this debt, leaving nothing to pay for government expenses. so they will have to print more money to pay for that. inflation is the plan. if everything goes up in price 10x, then gdp and government invome also goes up 10x. then they have a chance at paying down the national debt.
Got evidence to support any of that? All you're doing here is predicting based on your imagination and fears.
2
Dec 12, 2021
172 Posts
Joined Feb 2009
Dec 12, 2021
somax
Dec 12, 2021
172 Posts
Quote from bchill :
I'll keep posting this link since the thread is growing so fast. Just read this and ignore the segment of simpletons trying to explain this product.

https://thefinancebuff.com/how-to...bonds.html
Getting error Page doesn't exist
Dec 12, 2021
3,486 Posts
Joined Apr 2010
Dec 12, 2021
bonbon525
Dec 12, 2021
3,486 Posts
Quote from webbiedo :
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.
i am not familiar with ibonds, but you are saying if one was to buy 10K at once in the treasury website, one cant pull $ amount but has to be the full 10k?
Dec 12, 2021
233 Posts
Joined Jan 2021
Dec 12, 2021
HilariousRecess268
Dec 12, 2021
233 Posts
Quote from coli :
If I use tax refund to buy the bond will it automatically show up in my TreasuryDirect account?
No, I bonds from tax returns are in paper form.
Dec 12, 2021
110 Posts
Joined Nov 2013
Dec 12, 2021
Awt13
Dec 12, 2021
110 Posts
Quote from sdpoker :
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 = [fixed rate + (2 x semiannual inflation rate) + (fixed rate x semiannual inflation rate)]
No. it's locked in. It will change based on inflation in a few months (April?).
Dec 12, 2021
215 Posts
Joined Aug 2010
Dec 12, 2021
gboy13
Dec 12, 2021
215 Posts
Quote from youra6 :
Yep 2022 could return way less than 20%. If your company is public and offers a ESPP, I would put as much as you can into it. Pretty much a guaranteed 15% return if you can sell it right away. Even more if your companies stock goes up.
That's not a common benefit
Dec 12, 2021
6,107 Posts
Joined Oct 2011
Dec 12, 2021
prvns
Dec 12, 2021
6,107 Posts
So it says $10k maximum limit.. Can I create multiple accounts and buy another 10k?

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Dec 12, 2021
605 Posts
Joined May 2005
Dec 12, 2021
teckel1927
Dec 12, 2021
605 Posts
Trash 😅😅😅😅
3

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