I-Bonds的利弊

Although I-Bonds are a good way to generate 税-free yield in today’s economy, they are subject to penalties if surrendered before their maturity date. The question that begs to be answered is this: are these bonds a good investment in the long run? 它们的利大于弊吗? 阅读下面的更多内容来自己决定.

I-Bonds的优点 

1. 更高的收入: Can potentially earn a higher interest rate than what is available in the current market.
2. 资本保全: The redemption value of the I-bonds cannot decline.
3. 税收效率: Savings bonds are exempt from 税ation by any State or political subdivision of a State, 除了遗产税和遗产税. Interest earnings are subject to Federal income 税. Interest earnings may be excluded from Federal income 税 when used to finance education.

I-Bonds的缺点 

1. 可变利率: The rate on the I-bond is not completely fixed, where part of the interest rate is variable based off of the change in CPI-U.
2. 限量购买: The maximum purchase per calendar year is $10,000.
3. 提前赎回罚金: If the bond is redeemed before 5 years, you forfeit the interest from the previous 3 months. You cannot redeem the bond prior to the first 12 months being passed. 

Please don’t hesitate to reach out to one of our Schneider Downs 财富管理 Advisors if you have additional questions.

Schneider Downs 财富管理 Advisors, LP (SDWMA) is a registered investment adviser with the U.S. 美国证券交易委员会(SEC). SDWMA provides fee-based investment management services and financial planning services, along with fee-based retirement advisory and consulting services. Material discussed is meant for informational purposes only, 而且这不能被理解为投资, 税务或法律建议. Please note that individual situations can vary. 因此, this information should be relied upon when coordinated with individual professional advice. Registration with the SEC does not imply any level of skill or training.