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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 14, 2021
2,940 Posts
Joined Dec 2012

This comment has been rated as unhelpful by Slickdeals users.

Dec 14, 2021
102 Posts
Joined Jul 2010
Dec 14, 2021
Dogmeat26
Dec 14, 2021
102 Posts
Quote from MMPG :
I know this is a Slickdeals forum..$700 something meant a lot for some folks but I would throw 10k into APPL or MSFT stock and get a lot more back, well, maybe not a lot, but I'm sure it will be more than $700 something for 12 months...don't you think it's a better way to invest your $10k?
Lol if you can guarantee that the market won't take a dive in the next year then sure putting in 10K into APPL or MSFT would be better. Unfortunately nobody knows what will happen and a savings i bond is a good hedge or a good place to park money for something towards a down payment.
Dec 14, 2021
2,184 Posts
Joined Aug 2014
Dec 14, 2021
Cmurphy16
Dec 14, 2021
2,184 Posts
Quote from Dogmeat26 :
God the site is god awful. I can't remember my login information and there is no easy recovery method. I think I'll just buy a 10k bond in my wife's name.
So the fact that it makes you jump through hoops to recover access to a financial account because you forgot your log in info is their fault? I for one able glad they don't make it easy.
Dec 14, 2021
102 Posts
Joined Jul 2010
Dec 14, 2021
Dogmeat26
Dec 14, 2021
102 Posts
Quote from Cmurphy16 :
So the fact that it makes you jump through hoops to recover access to a financial account because you forgot your log in info is their fault? I for one able glad they don't make it easy.
I mean I'm ok if there is some difficulty but who remembers what their license expiration was from 7 years ago? Calling someone and being put on hold for an hour so far is just not fun.
Dec 14, 2021
634 Posts
Joined Aug 2009
Dec 14, 2021
optimize
Dec 14, 2021
634 Posts
Quote from MMPG :
I know this is a Slickdeals forum..$700 something meant a lot for some folks but I would throw 10k into APPL or MSFT stock and get a lot more back, well, maybe not a lot, but I'm sure it will be more than $700 something for 12 months...don't you think it's a better way to invest your $10k?
Hilarious - are you an astrologer? I'm paranoid about stock market given where it is since the 2008 crash ...
Dec 14, 2021
426 Posts
Joined Oct 2007
Dec 14, 2021
ez1
Dec 14, 2021
426 Posts
If setting up a new account, make sure the bank account selected is the one you want...like your forever account. Unbelievable the hoops you need to go thru to link and/or change the original bank account used to setup the treasury account. Reference Form 5512 that needs to be signed by a bank official. Notary not accepted.
Dec 14, 2021
6,660 Posts
Joined Mar 2004
Dec 14, 2021
practicalme
Dec 14, 2021
6,660 Posts
Quote from Dogmeat26 :
I mean I'm ok if there is some difficulty but who remembers what their license expiration was from 7 years ago? Calling someone and being put on hold for an hour so far is just not fun.
Our DLs expire at specific intervals in Illinois, 4 years on birthdates like clockwork. Your comment has triggered me to write down the log in info, just in case, since my info is trapped in my browser, so thanks for that. But sorry you're going through it

Quote from ez1 :
If setting up a new account, make sure the bank account selected is the one you want...like your forever account. Unbelievable the hoops you need to go thru to link and/or change the original bank account used to setup the treasury account. Reference Form 5512 that needs to be signed by a bank official. Notary not accepted.
Totally agree. I didn't think about it and would have used a different one but the process to change it was more cumbersome than just leaving it the way it was.

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Dec 14, 2021
343 Posts
Joined Apr 2018
Dec 14, 2021
dpid
Dec 14, 2021
343 Posts
Quote from KMan :
Low risk? How about NO risk? The US government has never defaulted on a security, like, EVER. Its value might go down over time so there's a secondary market risk, which is true of nearly any security, plus the rate appears to be floating so you lock in nothing, but the underlying security itself is as safe as it gets.

That said, 7%? When did that happen in an era of near-0% prime rates?
Technically In the 1970s, the US did default on payments. I think it was a couple weeks. Had to do with some printer issues. But it was still technically a default.
It Cost the government quite a few million dollars as the rates went up by a minuscule amount after that.
Dec 14, 2021
4,940 Posts
Joined Dec 2009
Dec 14, 2021
seanleeforever
Dec 14, 2021
4,940 Posts
Quote from ez1 :
If setting up a new account, make sure the bank account selected is the one you want...like your forever account. Unbelievable the hoops you need to go thru to link and/or change the original bank account used to setup the treasury account. Reference Form 5512 that needs to be signed by a bank official. Notary not accepted.
it is a pain (as i wrote the wrong account name there but i had no problem transfer the fund). but it is do able, just to go local bank branch and have they sign it.
Dec 14, 2021
540 Posts
Joined Dec 2007
Dec 14, 2021
MachAF
Dec 14, 2021
540 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.

So basically the contractor with the least experience and highest cost won the bid.
Dec 14, 2021
4,456 Posts
Joined Nov 2013
Dec 14, 2021
luckydog97
Dec 14, 2021
4,456 Posts
Quote from MachAF :
So basically the contractor with the least experience and highest cost won the bid.
So…a typical government contract.

Remember the obamacare website day one? It was something like 17x (yes, seventeen fold) over budget and months late, and it crashed day one and was down for a while after. LMAO
Dec 14, 2021
2,184 Posts
Joined Aug 2014
Dec 14, 2021
Cmurphy16
Dec 14, 2021
2,184 Posts
Quote from luckydog97 :
So…a typical government contract.

Remember the obamacare website day one? It was something like 17x (yes, seventeen fold) over budget and months late, and it crashed day one and was down for a while after. LMAO
As well as the pandemic unemployments sites that were built last March/April... especially the added bonus of being hacked quickly.
Dec 14, 2021
372 Posts
Joined Nov 2010
Dec 14, 2021
two-rocks
Dec 14, 2021
372 Posts
Doing this 3x and again 3x in January. Time to hedge a bit.

Been through 2003 and again in 2008, sleep better...gambling is only fun for so long...
Dec 14, 2021
153 Posts
Joined Aug 2014
Dec 14, 2021
wicknut
Dec 14, 2021
153 Posts
Can't find step by step instructions on how to purchase I Bonds for minors, if you have done this, please provide some insights.
btw, to open a minor account: https://www.treasurydirect.gov/in...#openminor

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Dec 14, 2021
104 Posts
Joined Oct 2003
Dec 14, 2021
senseye2437
Dec 14, 2021
104 Posts
Whoever loaded 10K to to this Treasury Bond, do you see any options to cash out?

I see "eligible for redemption" as $0.00 for "Series I Savings Bond".
I hope I didn't scammed by this website...

Until I can confirm that cashing out back to my bank is straightforward, I won't load it for my wife or kids.
Last edited by retto_pyrrah December 14, 2021 at 03:18 PM.

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