The New I Bond Rate is More Attractive.

[dasari4kntr]

9 minutes ago, Telugodura456 said:

so ee rates 30 years locked kaadha ?

fixed rate is fixed for 30 years...

not floating rate..

 

NOV bond has 0.4% fixed...that is fixed for 30 years...

for example...if you bought Ibond in MAY 2007...you will get 1.30% fixed + float rate (current cycle 6.89%)

NOTE: 

The fixed rate is an annual rate.

 

 

Date the fixed rate was set	Fixed rate for bonds issued in the six months after that date
November 1, 2022	0.40%
May 1, 2022	0.00%
November 1, 2021	0.00%
May 1, 2021	0.00%
November 1, 2020	0.00%
May 1, 2020	0.00%
November 1, 2019	0.20%
May 1, 2019	0.50%
November 1, 2018	0.50%
May 1, 2018	0.30%
November 1, 2017	0.10%
May 1, 2017	0.00%
November 1, 2016	0.00%
May 1, 2016	0.10%
November 1, 2015	0.10%
May 1, 2015	0.00%
November 1, 2014	0.00%
May 1, 2014	0.10%
November 1, 2013	0.20%
May 1, 2013	0.00%
November 1, 2012	0.00%
May 1, 2012	0.00%
November 1, 2011	0.00%
May 1, 2011	0.00%
November 1, 2010	0.00%
May 1, 2010	0.20%
November 1, 2009	0.30%
May 1, 2009	0.10%
November 1, 2008	0.70%
May 1, 2008	0.00%
November 1, 2007	1.20%
May 1, 2007	1.30%
November 1, 2006	1.40%
May 1, 2006	1.40%
November 1, 2005	1.00%
May 1, 2005	1.20%
November 1, 2004	1.00%
May 1, 2004	1.00%
November 1, 2003	1.10%
May 1, 2003	1.10%
November 1, 2002	1.60%
May 1, 2002	2.00%
November 1, 2001	2.00%
May 1, 2001	3.00%
November 1, 2000	3.40%
May 1, 2000	3.60%
November 1, 1999	3.40%
May 1, 1999	3.30%
November 1, 1998	3.30%
September 1, 1998	3.40%

[areyentiraidhi]

 

[dasari4kntr]

.

[chantigaduUS]

1 hour ago, dasari4kntr said:

this is the rough calculation i found in internet... (i didn't calculated or verified personally...) .. floating rates and fixed rates are matching...with treasury data...

 

if someone invest since 1998 ...$10000 for every six months...the total return is...

 

 

	Face	Fixed	Now				Remain	Comp	Grows
Bought	Value	Rate	Worth	As of	Matures	Year	Life	Rate	To	Gain
Sum	500,000		897,156.00						1,346,310	846,310.00
9/1/98	10,000	3.40%	39,888.00	9/1/23	9/1/28	2028	5	5.43%	52,141.00	42,141.00
11/1/98	10,000	3.30%	39,716.00	5/1/23	11/1/28	2028	5.5	5.33%	53,041.00	43,041.00
5/1/99	10,000	3.30%	38,720.00	5/1/23	5/1/29	2029	6	5.33%	53,089.00	43,089.00
11/1/99	10,000	3.40%	38,576.00	5/1/23	11/1/29	2029	6.5	5.43%	54,646.00	44,646.00
5/1/00	10,000	3.60%	38,948.00	5/1/23	5/1/30	2030	7	5.64%	57,487.00	47,487.00
11/1/00	10,000	3.40%	35,984.00	5/1/23	11/1/30	2030	7.5	5.43%	53,780.00	43,780.00
5/1/01	10,000	3.00%	32,068.00	5/1/23	5/1/31	2031	8	5.03%	47,717.00	37,717.00
11/1/01	10,000	2.00%	25,420.00	5/1/23	11/1/31	2031	8.5	4.02%	35,654.00	25,654.00
5/1/02	10,000	2.00%	24,872.00	5/1/23	5/1/32	2032	9	4.02%	35,586.00	25,586.00
11/1/02	10,000	1.60%	22,732.00	5/1/23	11/1/32	2032	9.5	3.62%	31,964.00	21,964.00
5/1/03	10,000	1.10%	20,332.00	5/1/23	5/1/33	2033	10	3.11%	27,683.00	17,683.00
11/1/03	10,000	1.10%	19,836.00	5/1/23	11/1/33	2033	10.5	3.11%	27,427.00	17,427.00
5/1/04	10,000	1.00%	19,316.00	5/1/23	5/1/34	2034	11	3.01%	26,831.00	16,831.00
11/1/04	10,000	1.00%	18,964.00	5/1/23	11/1/34	2034	11.5	3.01%	26,739.00	16,739.00
5/1/05	10,000	1.20%	19,256.00	5/1/23	5/1/35	2035	12	3.21%	28,218.00	18,218.00
11/1/05	10,000	1.00%	18,212.00	5/1/23	11/1/35	2035	12.5	3.01%	26,457.00	16,457.00
5/1/06	10,000	1.40%	18,728.00	5/1/23	5/1/36	2036	13	3.41%	29,066.00	19,066.00
11/1/06	10,000	1.40%	18,536.00	5/1/23	11/1/36	2036	13.5	3.41%	29,259.00	19,259.00
5/1/07	10,000	1.30%	17,844.00	5/1/23	5/1/37	2037	14	3.31%	28,255.00	18,255.00
11/1/07	10,000	1.20%	17,272.00	5/1/23	11/1/37	2037	14.5	3.21%	27,408.00	17,408.00
5/1/08	10,000	0.00%	14,384.00	5/1/23	5/1/38	2038	15	2.00%	19,387.00	9,387.00
11/1/08	10,000	0.70%	15,384.00	5/1/23	11/1/38	2038	15.5	2.71%	23,349.00	13,349.00
5/1/09	10,000	0.10%	13,888.00	5/1/23	5/1/39	2039	16	2.10%	19,400.00	9,400.00
11/1/09	10,000	0.30%	14,216.00	5/1/23	11/1/39	2039	16.5	2.30%	20,733.00	10,733.00
5/1/10	10,000	0.20%	13,828.00	5/1/23	5/1/40	2040	17	2.20%	20,059.00	10,059.00
11/1/10	10,000	0.00%	13,392.00	5/1/23	11/1/40	2040	17.5	2.00%	18,971.00	8,971.00
5/1/11	10,000	0.00%	13,348.00	5/1/23	5/1/41	2041	18	2.00%	19,098.00	9,098.00
11/1/11	10,000	0.00%	13,040.00	5/1/23	11/1/41	2041	18.5	2.00%	18,844.00	8,844.00
5/1/12	10,000	0.00%	12,848.00	5/1/23	5/1/42	2042	19	2.00%	18,752.00	8,752.00
11/1/12	10,000	0.00%	12,704.00	5/1/23	11/1/42	2042	19.5	2.00%	18,727.00	8,727.00
5/1/13	10,000	0.00%	12,604.00	5/1/23	5/1/43	2043	20	2.00%	18,766.00	8,766.00
11/1/13	10,000	0.20%	12,732.00	5/1/23	11/1/43	2043	20.5	2.20%	19,939.00	9,939.00
5/1/14	10,000	0.10%	12,548.00	5/1/23	5/1/44	2044	21	2.10%	19,458.00	9,458.00
11/1/14	10,000	0.00%	12,332.00	5/1/23	11/1/44	2044	21.5	2.00%	18,917.00	8,917.00
5/1/15	10,000	0.00%	12,244.00	5/1/23	5/1/45	2045	22	2.00%	18,970.00	8,970.00
11/1/15	10,000	0.10%	12,324.00	5/1/23	11/1/45	2045	22.5	2.10%	19,719.00	9,719.00
5/1/16	10,000	0.10%	12,224.00	5/1/23	5/1/46	2046	23	2.10%	19,764.00	9,764.00
11/1/16	10,000	0.00%	12,144.00	5/1/23	11/1/46	2046	23.5	2.00%	19,385.00	9,385.00
5/1/17	10,000	0.00%	11,976.00	5/1/23	5/1/47	2047	24	2.00%	19,308.00	9,308.00
11/1/17	10,000	0.10%	11,912.00	5/1/23	11/1/47	2047	24.5	2.10%	19,873.00	9,873.00
5/1/18	10,000	0.30%	11,876.00	5/1/23	5/1/48	2048	25	2.30%	21,036.00	11,036.00
11/1/18	10,000	0.50%	11,816.00	5/1/23	11/1/48	2048	25.5	2.51%	22,321.00	12,321.00
5/1/19	10,000	0.50%	11,660.00	5/1/23	5/1/49	2049	26	2.51%	22,303.00	12,303.00
11/1/19	10,000	0.20%	11,444.00	5/1/23	11/1/49	2049	26.5	2.20%	20,436.00	10,436.00
5/1/20	10,000	0.00%	11,256.00	5/1/23	5/1/50	2050	27	2.00%	19,264.00	9,264.00
11/1/20	10,000	0.00%	11,200.00	5/1/23	11/1/50	2050	27.5	2.00%	19,359.00	9,359.00
5/1/21	10,000	0.00%	11,108.00	5/1/23	5/1/51	2051	28	2.00%	19,392.00	9,392.00
11/1/21	10,000	0.00%	10,912.00	5/1/23	11/1/51	2051	28.5	2.00%	19,241.00	9,241.00
5/1/22	10,000	0.00%	10,536.00	5/1/23	5/1/52	2052	29	2.00%	18,764.00	8,764.00
11/1/22	10,000	0.40%	10,056.00	5/1/23	11/1/52	2052	29.5	2.40%	20,327.00	10,327.00

 

what is this bayya? did not understand. How can you buy every six months as individual? it is only 1 allowed per individual right.

[dasari4kntr]

8 hours ago, chantigaduUS said:

what is this bayya? did not understand. How can you buy every six months as individual? it is only 1 allowed per individual right.

yup you are correct…

that sheet is values of a portfolio of I Bonds for each month in a year. Also shows previous December, following January, and their differences which reflects the interest accrued and earned during the year. User can choose option to show redemption value which deducts three month interest for bonds redeemed before five years

https://eyebonds.info/downloads/pages/IBondPortfolioCalculator.html

 

raathri before going to bed…posted this…didnt validate properly…removing it now…😬

[former]

Indlo ardam ayyedi emi vundi. 

Its like a CD and get locked at least 1 year. 

before 5 Years you need lost 3 months Interest

After 5 years no penalty.

[vatchesa]

1 hour ago, former said:

Indlo ardam ayyedi emi vundi. 

Its like a CD and get locked at least 1 year. 

before 5 Years you need lost 3 months Interest

After 5 years no penalty.

5 years from first buy or 5 years from everytime we buy bonds?

[rahulroy4u]

what the hell, the  fixed interest is 40 dollars on a 10k investment, why so much discussion.

its like less than your hourly salary or nothing infront of the amount we spent on movie tickets, mandu, cigarettes. 

Asalu inta discussion enti ee kufli bonds meeda

[Netflixmovieguz]

2 minutes ago, rahulroy4u said:

what the hell, the  fixed interest is 40 dollars on a 10k investment, why so much discussion.

its like less than your hourly salary or nothing infront of the amount we spent on movie tickets, mandu, cigarettes. 

Asalu inta discussion enti ee kufli bonds meeda

Paaisaall ekkkuaaaiithhheee vaadddi yaappaarram

[rahulroy4u]

28 minutes ago, Netflixmovieguz said:

Paaisaall ekkkuaaaiithhheee vaadddi yaappaarram

correct eh kani, pavala vaddi ki padhi rupayala discussion nadustundi

[dasari4kntr]

11 minutes ago, rahulroy4u said:

correct eh kani, pavala vaddi ki padhi rupayala discussion nadustundi

lol...why you are getting irritated bro...

ippudanta urgent gaa emi other topics discuss cheyali bro... political discussions? caste discussions? fan wars..? or some nsfw discussions..aa?

 

this is diversified investment option and also fixed income...still lot of people dont know much about it thats why we are discussing this...last week treasury site crash kooda aindhi deeni valla....

if you invest in stocks there is a risk...but this is no risk to principle...thats why people are discussing this..

[rahulroy4u]

1 minute ago, dasari4kntr said:

lol...why you are getting irritated bro...

ippudanta urgent gaa emi other topics discuss cheyali bro... political discussions? caste discussions? fan wars..? or some nsfw discussions..aa?

 

this is diversified investment option and also fixed income...still lot of people dont know much about it thats why we are discussing this...last week treasury site crash kooda aindhi deeni valla....

if you invest in stocks there is a risk...but this is no risk to principle...thats why people are discussing this..

I am not irritated bro!  na point enti ante, when investing we research a lot for peanuts, but when spending we have no control(speaking in general). 

[former]

1 hour ago, vatchesa said:

5 years from first buy or 5 years from everytime we buy bonds?

Every buy at lock in 5 years without penalty. 

[dasari4kntr]

Just now, former said:

Every buy at lock in 5 years without penalty. 

penalty is peanuts...last three month interest...

if you are selling that means you are not liking interest rate...and that too you got interest all the years on compound principle...not on your initial $10,000 ...

[jathin]

15 hours ago, dasari4kntr said:

fixed rate is fixed for 30 years...

not floating rate..

 

NOV bond has 0.4% fixed...that is fixed for 30 years...

for example...if you bought Ibond in MAY 2007...you will get 1.30% fixed + float rate (current cycle 6.89%)

NOTE: 

The fixed rate is an annual rate.

 

 

Date the fixed rate was set	Fixed rate for bonds issued in the six months after that date
November 1, 2022	0.40%
May 1, 2022	0.00%
November 1, 2021	0.00%
May 1, 2021	0.00%
November 1, 2020	0.00%
May 1, 2020	0.00%
November 1, 2019	0.20%
May 1, 2019	0.50%
November 1, 2018	0.50%
May 1, 2018	0.30%
November 1, 2017	0.10%
May 1, 2017	0.00%
November 1, 2016	0.00%
May 1, 2016	0.10%
November 1, 2015	0.10%
May 1, 2015	0.00%
November 1, 2014	0.00%
May 1, 2014	0.10%
November 1, 2013	0.20%
May 1, 2013	0.00%
November 1, 2012	0.00%
May 1, 2012	0.00%
November 1, 2011	0.00%
May 1, 2011	0.00%
November 1, 2010	0.00%
May 1, 2010	0.20%
November 1, 2009	0.30%
May 1, 2009	0.10%
November 1, 2008	0.70%
May 1, 2008	0.00%
November 1, 2007	1.20%
May 1, 2007	1.30%
November 1, 2006	1.40%
May 1, 2006	1.40%
November 1, 2005	1.00%
May 1, 2005	1.20%
November 1, 2004	1.00%
May 1, 2004	1.00%
November 1, 2003	1.10%
May 1, 2003	1.10%
November 1, 2002	1.60%
May 1, 2002	2.00%
November 1, 2001	2.00%
May 1, 2001	3.00%
November 1, 2000	3.40%
May 1, 2000	3.60%
November 1, 1999	3.40%
May 1, 1999	3.30%
November 1, 1998	3.30%
September 1, 1998	3.40%

Thanks for sharing this information, also for alerting, educating and enlightening us on this topic (investing in treasury I- bonds)