I bonds Explained in under 8 minutes by Colin Exelby, CFP®. This video is a quick introduction to I bonds. How they work, what their limitations are, the 3 steps to invest, and why they may be a perfect fit for your investment portfolio.

00:00 Introduction
01:15 Inflation Linked Bonds
02:18 What Is An I bond?
02:37 How is I Bond Interest Calculated
03:14 How Are I-Bonds Taxed?
03:45 Can I Bonds Act Like a Savings Account?
05:03 How Much Can You Invest in I Bonds.
06:08 How Do You Actually Invest Your Money In I Bonds?
06:55 Summary

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★☆★ I Bonds Explained by a CERTIFIED FINANCIAL PLANNER Professional. Interest Rates Headed Higher ★☆★

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[About] Colin Exelby is a Certified Financial Planner Professional™ or CFP®. He owns the virtual financial advisory practice Celestial Wealth Management.

I provide financial planning for business owners and their families that makes sense.

Transformational change is made when you focus on the big picture. My goal is to help you think outside the box about your life, your money, and your health to be the best you can possibly be.

We strive to help you:
*Optimize Your Cash Flow
*Minimize Your Taxes
*Build Your Net Worth
*Create a Lasting Legacy

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REVEALED: Best Investment During Inflation

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I Bonds Crash Course: The Updated Guide to Investing in Bonds

Investing in bonds can be an attractive option for those seeking stability and reliable income from their investments. Bonds are often considered safer than stocks and can provide a steady stream of interest payments over time. However, understanding the intricacies of bond investing can be daunting, especially for beginners. This crash course aims to provide an updated guide to investing in bonds, specifically focusing on I Bonds.

What are I Bonds?

I Bonds, also known as Series I Savings Bonds, are a type of government bond issued by the United States Department of the Treasury. These bonds provide a method for individuals to invest in the American economy while protecting their principal from inflation. The interest rate on I Bonds is composed of two components: a fixed rate that remains constant throughout the bond’s term and a variable rate that adjusts every six months based on changes in the Consumer Price Index.

Benefits of Investing in I Bonds

One of the primary advantages of investing in I Bonds is the protection it offers against inflation. The variable rate component of I Bonds ensures that the investor’s returns keep pace with inflation, making them an attractive option for long-term growth. Additionally, I Bonds are backed by the full faith and credit of the United States government, which significantly reduces the risk associated with this investment.

How to Buy I Bonds

Purchasing I Bonds is a simple process that can be done online through the U.S. Department of the Treasury’s website or using your tax refund. There is a maximum annual purchase limit per individual, which is usually set at $10,000. It is important to note that I Bonds cannot be traded or sold on the secondary market, and they come with a minimum holding period of one year.

The Tax Advantages

One of the significant benefits of investing in I Bonds is the tax advantages they offer. The interest earned on I Bonds is subject to federal income tax, but it is exempt from state and local taxes. Moreover, if the proceeds from selling I Bonds are used to finance higher education expenses, the interest may be excluded from federal income tax altogether.

Considerations for Investors

While I Bonds have numerous benefits, there are a few factors for investors to consider before adding them to their portfolio. Firstly, I Bonds have a long maturity period, with a minimum holding period of one year and a maximum of 30 years. Therefore, they might not be suitable for those who require immediate access to their investment. Additionally, the fixed rate component of I Bonds can change every six months, so it’s important to stay updated and consider the current economic conditions before making a purchase.

Conclusion

Investing in I Bonds can be a prudent way to diversify and protect one’s investment portfolio. The stability, tax advantages, and inflation protection make I Bonds an appealing option for both novice and experienced investors. Understanding the basics of these government-issued bonds and considering the individual’s financial goals and risk tolerance are crucial before committing to this investment. With this crash course as a starting point, individuals can confidently navigate the world of bond investing and make informed decisions to secure their financial future.