今天買了美國 I 債卷（I bond)

從 2006 年起我買了一些 I bond，當時主要作為 emergency fund。那年頭隨時有被雷的可能，一般來說，家裏應該存有夠用一年半載的現金，以備不時之需。用 I bond 作為應急專用款，第一因為它的風險非常低，第二因為它的利率相對高。

美國的 I 債卷的利率每年調整2次，與通貨膨脹指數掛鉤。今天去看了一下，2006年存的那些現在的利率是 5.7%，去年存的利率 4.6%。相對現在其他銀行的存款利率，這個實在是好太多了。現在股市上下波動劇烈，像我這樣的懶人，哪怕是為省事，I 債卷也是不錯的選擇，何況還有既保險又不低的回報。

雖然美國債卷評估被從AAA下調到AA，與其他發展國家相比，這個評估仍是世界上最好之一。所以像俺這樣的工薪族，投資要保本，要盈利、還要省事，I bond 就是最好的選擇了。對了，I bond 的利息免州稅，聽說如果用於教育費用（小孩的學費等），利息全免（聯邦和州）稅。這就使 I bond 更加吸引人，既可以作為應急款，不用救急時，也可以將來用作小孩學費。起碼比529好吧。

有關 I bond 的介紹，請大家到 treasury direct 自己去看，在此恕不多言，以免誤導。

[laoyangdelp]

回複yangicpart的評論:
一年以後可以隨時賣。

[yangicpart]

Can you sell I Bond at anytime when you are in emergency?

[edufmcn]

It is a good idea to use I Bond for emergency purpose. However, the rate of return from IBOND is too low for educational funds. For illustration purpose, in 16 years period, $1 would be worth $3.4 with 8% as the rate of return. However, $1 would be worth $2.1 with 5%.

By the way, when IBOND is used for educational purpose, they are tax free both federal and state. See below
From http://collegesavings.about.com/od/ussavingsbonds/ss/savingsbonds_2.htm

Potential Advantages:
Purchasing US Savings Bonds (Series EE or I) is one of the simplest ways to set aside money for college. There is no need to open an account at a financial institution, complete complex paperwork, or research and manage investment options. Further, the future value of Savings Bonds, especially Series EE bonds, is very easy to estimate.

Savings Bonds are available in small denominations and can be purchased for as little as $25 at a time.

The interest on these bonds is fully exempt from Federal and state income taxes when used for qualified college expenses, which makes them competitive with higher paying, but taxable investments.

Potential Disadvantages:
The biggest disadvantage, which is generally the case with any increased level of safety and simplicity, is a lower rate of return. With a historical rate of return between 4-6% annually, successful stock market investments can easily outperform U.S. Savings Bonds by double.

Another disadvantage, is that the exemption from paying taxes on college expenses is more limited than some of the other college savings accounts. Series EE and I bonds are only exempt from taxation when used for tuition (not room, board, or books), and are available only for taxpayers whose income is less than certain amounts.

[laoyangdelp]

回複ding129的評論:
是，我的信息肯定有不確之處，所以讓大家自己去看財政部網站。

[ding129]

I do not think you have accurate information about I bond. You have to pay federal tax when you sell it. No state or local tax. The limitation was $30,000 per person per year when it started in Sept 1, 1998. The limitation is $5000 per person per year now. Current interest is 4.6% with 0 fixed rate. I started buy it when it started with fix rate 3.6%.

[laoyangdelp]

回複迷茫的評論:
是，每年每人限購1萬。詳情請看美國財政部網站。

[laoyangdelp]

回複曉仁悟的評論:
FORIX 是債卷基金，債卷基金和債卷兩碼事，基金現在風險非常高。

[曉仁悟]

購買FORIX債券基金什麽稅都免。

[迷茫]

請問：這個bond是不是每年有限購？