I Bonds are the best way to protect your savings from high inflation. I-Bonds interest rate just got raised to a record high 9.62%, but here’s why you shouldn’t wait to buy your I-Bonds.
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A bit about my credentials…I have a B.S. degree in Finance, I’ve spent my entire career working in various corporate finance roles, and have been an active stock market investor for over 20 years. While all of this means I know what I’m talking about (most of the time!), it does not mean you should act solely on my word alone.
I am not intending to, nor licensed to give personalized financial advice. I’m merely trying to share my knowledge and experience so that you are able to make better financial and investment decisions for yourself based on your own research!
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DISCLAIMER: Jay Fairbrother, including but not limited to any guests appearing in his videos, are not financial/investment advisors, brokers, or dealers. They are solely sharing their personal experience and opinions; therefore, all strategies, tips, suggestions, and recommendations shared are solely for entertainment purposes. There are financial risks associated with investing, and Jay Fairbrother’s results are not typical; therefore, do not act or refrain from acting based on any information conveyed in this video, webpage, and/or external hyperlinks. For investment advice please seek the counsel of a financial/investment advisor(s); and conduct your own due diligence.
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LEARN MORE ABOUT: Treasury Inflation Protected Securities
REVEALED: Best Investment During Inflation
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HOW TO INVEST IN SILVER: Silver IRA Investing
WATCH NEXT -> EVERYTHING you need to know about I Bonds: https://youtu.be/xPG5AFYUA7Y
Can you buy Ibonds in december and then again in January of the next year? or do you have to wait 365 days between buying the 10,000 in bonds
can i buy an additional $10k every year? and what is the most you can accumulate, $100k? or
can you buy $10 k every year and grow to &20k after 2 years?
The site is getting inundated, can't even sign up.
I Bonds are garbage! Right now the rates are high, but they are subject to WHATEVER the government says it is. Historically, they have GROSSLY understated inflation. This high inflation rate is not likely to be long lived because it is based on events related to Ukraine which will likely change. That means that they can lower the rate in the future and you are forced to hold them for at least a year. You will be penalized if you don't hold them for FIVE YEARS! Right now, stocks are unbelievably low and idiots like this are likely to tell you to buy I Bonds instead of cheap stocks.
Can you buy I bonds between april and october and if so what interest would you get for the first partial 6 month investment
Can I buy 10k worth of I bonds this year and another 10K in the next 12 months?
Hi jay, thanks for the video! I have never even heard of I bonds. Do you happen to know what happens upon the death of the holder? Do the beneficiaries have to hold them for the remainder of the 5 years to avoid the penalty?
Hi Jay, I enjoy your videos with helpful info. So after I invest will I see that 9.62 interest at the end of each month like watching a stock, or will I see it at the end of the year. Thanx so much.
How does one obtain the paper ibonds?
How exactly does one report that they are using tax return money to buy over the 10k limit?
Hi Jay – just to be clear, if I purchased iBonds in June of this year at 9.62, I get six months of that rate until November and the the new rate (which will be announced in November) from December 2022 tp April 23 ? It's a rolling 6 month period, is that correct? If I bought in October 22, I would get the rate through to March 23 and it would then adjust to the rate set the previous November? Is that correct? Or does it all change on the first of the month following the rate adjustment regardless of when you purchased them in the previous 6 month period? Many thanks
Do we need to pay taxes on this after the 5 years?
How do I purchase a I~bond? Is there a limit?
ALL BONDS HAVE RISK
Is it a good idea to purchase $10K in bonds today or wait? Thanks
Hey Jay. Thank you for this awesome video. If I invest 10,000 USD with 9.62% interest rate, how much will I get after 30 years?
Should the funds be in your checking account when you submit the application when filing for an iBond?
Who do we contact to increase the $10,000 limit? Lost my phone and can’t remember Powell’s number. $10,000 is absurd. I understand you used to be able to buy unlimited quantities and could bill it to your credit card back in 1998 when these instruments were first made available to the public. While I understand that may be an irresponsible policy, isn’t part of the solution to this heightened inflationary cycle to scale back the supply of money free floating in the economy? Raise ibond limits to $100,000 and that will mop up some of the slack for 1-5 (or more) years…
The inflation rate just went up. So they are still a great buy right now. I doubt it will go down enough in the next one year (minimum hold time) to make anybody sorry they purchased one.. So at over 9.5%; fantastic buy with security included. Buy these, buy some gold, etc; diversify iIMHO! Better than the stock market lately, LOL.
The only thing I don’t understand about I bonds is isn’t it technically 4.81% semi annually, not 9.62% annually (for may-oct 2022)? Since the rate is renewed every 6 months, what’s the point of doubling the semi annual interest rate? Wouldn’t the new rate will be different, causing the annual average rate to be different? I feel like that’s misleading, or am I understanding incorrectly?
Thanks. I bought mine today.
Inflation has boomed
So you're going to buy an I Bond with a 9.62% interest rate while the official inflation rate is 8.5%. So you're really getting 1.12% interest. And unless you're completely a dolt, you KNOW that inflation is actually MUCH higher than 8.5%. If you calculate inflation by the same metrics they used in the 1980s, inflation is really around 20%. So now, you're basically flushing money down the crapper. I'll pass.
Can you have both s corporate and individual accounts separately and buy I bonds with 10k each? Thanks
I bought $6000 ibond one month ago. I purchased $2000 more today.
I had to send an authorization form ( to verify my account) that took the Treasury 3 weeks to acknowledging receiving. Then I was told it could take up to 16 weeks to process the form before I could purchase a bond. Not happy!!!
Nice video, Jay. I just bought I bonds for the first time in December 2021 and again in February 2022. In looking at my account on Treasury Direct's website, I'm confused. The "current value" of my investments don't show nearly enough interest by my calculations. For the investment made in December 2021 it shows an amount equal to principle plus 1.8% interest earned, and for the one made in February it shows an amount equal to principle plus 0.6% interest earned. Since the first investment has been there for 6 months, and the second has been there for 4 months, I would think it would show quite a bit more interest, unless they are deducting the 3-month interest penalty to show what it would be worth minus that amount. But I couldn't withdraw anything now anyway since neither has been there for a year. Very confusing.
I’m very interested to learn more about I bonds. How does it work filing your taxes if you have i bonds? Do they tax that money separately from your income?
So great to see Adam Sandler start to make moves with his YouTube channel
Is it too late to buy now??
Thank you Adam Sandler!
how to fill out TreasuryDirect® Account Authorization from 5444? none of bank have SIGNATURE GUARANTEED
MEDALLION GUARANTEED, stamp, or seal?
Hey Jay. I bought I-bonds back in Feb 2017 having no idea what they were. When would be a good time for me to cash out?
I put in a request for the purchase of an iBond one month ago, and received a (false) reply a day later confirming the purchase. But looking into my TreasuryDirect account, there was no purchase; looking into my bank account showed no withdrawal. After inquiring by e-mail, I was lectured: “…we will respond only to questions satisfying the following two criteria” both of which were met previously. After waiting for another two weeks, I called and was given the message that “it could take up to 8 weeks to process” — not one day as told by theoretical experts here on YouTube. How long is the wait for a human to answer my phone call? “We are experiencing a traffic heavier than usual… your call will be answered in about 2 hours”.
Don’t know if others are met with the same experience.
If I just started learning about these….and it’s May 19TH…is it worth buying them now anyway? Thank you so much!
https://youtu.be/Sa3Pc1HKSdc
October not now