Slickdeals is community-supported.  We may get paid by brands for deals, including promoted items.
Heads up, this deal has expired. Want to create a deal alert for this item?
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 1,455,870 Views
Visit Retailer
Good Deal
Save
Share
Deal Details
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

Deal Score
+952
Good Deal
Visit Retailer

Leave a Comment

Unregistered (You)

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

Sign up for a Slickdeals account to remove this ad.

Dec 12, 2021
72 Posts
Joined Nov 2018
Dec 12, 2021
bluecamel
Dec 12, 2021
72 Posts
lol, slickdeals has jumped the shark
1
Dec 12, 2021
20 Posts
Joined Jul 2015
Dec 12, 2021
grocerylist
Dec 12, 2021
20 Posts
Quote from TomHagen :
Have fun with the website, especially putting in your password. It's not a scam, just a gov built website from long ago.
No kidding, I made the mistake of using my usual 24 character password. Such a pain! 😭
Dec 12, 2021
2,872 Posts
Joined Mar 2008
Dec 12, 2021
Daddyofthree
Dec 12, 2021
2,872 Posts
Here's a great article on it with the pros and cons https://www.cnbc.com/2021/12/10/c...0000-.html
1
Dec 12, 2021
391 Posts
Joined Aug 2014
Dec 12, 2021
BobC8176
Dec 12, 2021
391 Posts
Quote from dn90003 :
Due to the very high level of inflation the US government is paying un unprecedented 7.12% interest on its Security I bonds. There is a limit of $10,000 per year per person.

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

There are quite a few articles around which share why this could be a potentially low risk investment with a high yield.

https://www.usatoday.com/story/mo...?gnt-cfr=1

You would have to create your own account through the Treasury Direct website and then link a bank account. You can additionally invest another $5K in paper bonds during the time you file your tax returns.

Please do your own diligence and invest at your own risk.
Need a USAToday account to read the article
Dec 12, 2021
391 Posts
Joined Aug 2014
Dec 12, 2021
BobC8176
Dec 12, 2021
391 Posts
Quote from Nrkeene :
Thx op but Holy #*×!

7% on a tbill?! Causes me to really worry about inflation!
If you're not already worried about this entire Administration, you've been sleeping!
3
Dec 12, 2021
2,184 Posts
Joined Aug 2014
Dec 12, 2021
Cmurphy16
Dec 12, 2021
2,184 Posts
Quote from andrewmc23 :
It's on sale. Buy more. I'm up 20k in the last 2 years.
That's my point exactly. There's risk involved with buying crypto, even stocks for that matter. Some people are risk adverse and bonds such as these are perfect for them.
Dec 12, 2021
6 Posts
Joined Feb 2013
Dec 12, 2021
leadvj
Dec 12, 2021
6 Posts

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

Quote from acegolfer :
3 tax benefits.

1. Tax deferral. You pay tax when you redeem (default choice), not every year. But you can elect to pay as interest is accrued each year.
2. No state income tax.
3. There are some eligible expenses (e.g. kid's college) that waive tax.
You can only claim education exemption if you earn less than 97,350(single) or 153,550(married).
1

Sign up for a Slickdeals account to remove this ad.

Dec 12, 2021
345 Posts
Joined Feb 2012
Dec 12, 2021
majorjohn
Dec 12, 2021
345 Posts
Anyone encounters that "we can't verify your information" error?
Dec 12, 2021
784 Posts
Joined Apr 2013
Dec 12, 2021
koreanbeefcake
Dec 12, 2021
784 Posts
Crazy that people have 10k sitting around. I need to work more overtime.
2
Dec 12, 2021
185 Posts
Joined Nov 2014
Dec 12, 2021
FrankFurter64
Dec 12, 2021
185 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.
This wouldn't be an issue if your husband had also listed your name on the investments. This actually gives me faith that the system is working to prevent money from falling into the wrong hands. Maybe he intended it for himself only or for someone else.
Dec 12, 2021
1,306 Posts
Joined Jan 2017

This comment has been rated as unhelpful by Slickdeals users.

Dec 12, 2021
1,306 Posts
Joined Jan 2017
Dec 12, 2021
andrewmc23
Dec 12, 2021
1,306 Posts
Quote from JohnJ2305 :
I buy tokens that back by nothing.
What do you think the American dollar is? It's backed by nothing as well. It just paper they print. Doesn't mean anything
2
Dec 12, 2021
19 Posts
Joined Jan 2014
Dec 12, 2021
gswoff
Dec 12, 2021
19 Posts
Quote from Follywood :
Crypto baby!
This is the way
1
Dec 12, 2021
1,183 Posts
Joined Mar 2005
Dec 12, 2021
acegolfer
Dec 12, 2021
1,183 Posts
Quote from koreanbeefcake :
Crazy that people have 10k sitting around. I need to work more overtime.
Ppl may not have $10k cash doing nothing. But they may have 5-figure emergency fund and doing I-bond ladders.

Sign up for a Slickdeals account to remove this ad.

Dec 12, 2021
1,306 Posts
Joined Jan 2017
Dec 12, 2021
andrewmc23
Dec 12, 2021
1,306 Posts
Quote from JohnJ2305 :
I buy tokens that back by nothing.
And also crypto does have useful properties. I'm assuming you don't know much about it.
2

Leave a Comment

Unregistered (You)

Related Searches

Popular Deals

View All

Trending Deals

View All