因此,具体是否卖出还需要根据市场情况来决定。 另外,需要注意的是,网站上显示的4.30%的利率是加了0.9%的fixed rate。如果你买入时没有fixed rate,那么到你renew的时候,利率可能就只有3.38%了。所以,每个人的情况都不一样,需要具体问题具体分析。 总之,卖Ibond的最佳时机并不是固定的,而是需要根据自己的情况和市场...
Each fixed rate applies to all I-bonds issued in the six months following the rate determination. "The composite rate for Series I Savings Bonds is a combination of a fixed rate, which applies for the 30-year life of the bond, and the semiannual inflation rate. The 3.11% composite rate...
Fix rate 部分绑定当期联储利率,购买bond后30年永远不变;inflation rate 部分是浮动利率,绑定CPI index,每6个月调整一次。利息计算是半年复利(compounded semiannually)。Inflation rate 的调整时间分别是每年的5月1日和11月1日。 Composite rate = [fixed rate + (2 x semiannual inflation rate...
an I bond purchased in January of 2025 would get the 1.90% APR variable rate until July of 2025, at which point the variable rate would switch to the May, 2025 variable rate for the subsequent 6 months (in addition to the 1.20% fixed rate). The ...
I bond composite rate formula: [fixed rate + (2 x semiannual inflation rate) + (fixed rate x semiannual inflation rate)] Plugging in the numbers for the latest period, [0.0130 + (2 x 0.0148) + (0.0130 x 0.0148)], calculates to 0.0428 and the composite rate of 4.28%. ...
I bond composite rate formula: [fixed rate + (2 x semiannual inflation rate) + (fixed rate x semiannual inflation rate)] Plugging in the numbers for the latest period, [0.0090 + (2 x 0.0169) + (0.0090 x 0.0169)], calculates to 0.043 and the composite rate of 4....
I bond yields have two parts: a fixed rate that stays thesame after purchase, and a variable rate, which changes every six months based on inflation. The U.S. Department of the Treasury announces new rates every May and November.
6 months depending on your purchase month. Your bond rate = your specific fixed rate (based on purchase month, look it uphere) + variable rate (total bond rate has a minimum floor of 0%). So if your fixed rate was 1%, you’ll be earning a 1.00 + 6.48= 7.48% rate for six ...
考点【6】Fixed rate bond的Yield的计算 6.1 current yield 的计算 6.2 YTC、YTP的计算 6.3 DR、AOR、BEY 考点【7】关于Floating Rate的计算 7.1 quoted margin、required margin 7.2 计算required margin 考点【8】Yield Curve 考点【9】Forward rate 和 sopt rate 之间的相互计算。
For example, if the fixed rate is 0.30% and the semiannual inflation is -2.30%, the composite rate on the bond will be: = 0.003 + (2 x -0.023) + (0.003 x -0.023) = 0.003 - 0.046 - 0.000069 = -0.04307, or -4.31%. However, since it is negative in this case, the composite ra...