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美国国债ibonds购买手把手攻略 – 赶紧锁定9.62%利率!

&NewLine;<p>买买买!<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<&excl;--more-->&NewLine;&NewLine;&NewLine;&NewLine;<p><em>&ast;抱歉,wx标题一激动利率打错了,但是wx不能修改标题,只能删除等明天重新发送一次哈&ast;<&sol;em><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p><strong>【什么是国债ibonds】<&sol;strong><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>由美国政府(U&period;S&period; Treasury Securities&ThinSpace;或&ThinSpace;U&period;S&period; Treasuries)发行的一种债券。这个债券的特点是利率计算和通货膨胀相关,每半年重新计算一次利率;一般被认为是抵抗高通胀的利器。<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>利率计算的公式为:Composite rate &equals; &lbrack;fixed rate &plus; &lpar;2 x semiannual inflation rate&rpar; &plus; &lpar;fixed rate x semiannual inflation rate&rpar;&rsqb;&NewLine;&NewLine;&NewLine;&NewLine;<p>更详细的介绍可以看:<a href&equals;"https&colon;&sol;&sol;www&period;treasurydirect&period;gov&sol;savings-bonds&sol;i-bonds&sol;">https&colon;&sol;&sol;www&period;treasurydirect&period;gov&sol;savings-bonds&sol;i-bonds&sol;<&sol;a><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>目前在2022年的5月到10月期间购买的债券可以锁定&ThinSpace;9&period;62&percnt;的利率。11月利率会再次调整,根据新的通胀数据,下一个6个月的利率可能只有6&period;4&percnt;左右。所以我们强烈建议感兴趣的小伙伴,在10月底赶紧上车!(注意,利率是按照你买的时候的利率Lock住6个月;6个月以后再按那时候的利率算下一个6个月)具体可以看WSJ的报道:https&colon;&sol;&sol;www&period;wsj&period;com&sol;articles&sol;that-sky-high-i-bond-interest-rate-will-be-coming-down-to-earth-11665541224<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p><strong>【哪些人能购买】<&sol;strong><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>你需要拥有美国的社保号Social Security Number (SSN),并且符合下面之一:<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<ul class&equals;"wp-block-list"><li>美国公民(无论是否居住在美国)&nbsp&semi;<&sol;li><li>绿卡持有者并且不在美国以外的国家报税&nbsp&semi;<&sol;li><li>居住在美国的外国公民并在美国报税&nbsp&semi;<&sol;li><li>美国政府雇员 (无论是否居住在美国)<&sol;li><&sol;ul>&NewLine;&NewLine;&NewLine;&NewLine;<p>其中没有年龄限制,也可以给孩子购买。<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p><em>我知道一些H1B&sol;F1签证持有者的朋友也购买成功了,不太确定有什么风险,很可能多半没事;但只能说和business checking&sol;credit card一样,风险自担吧。<&sol;em><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p><strong>【创建账号】<&sol;strong><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>要买国债,首先需要在<a href&equals;"https&colon;&sol;&sol;treasurydirect&period;gov&sol;">https&colon;&sol;&sol;treasurydirect&period;gov&sol;<&sol;a>创建账号。这个网站页面非常古老&&num;8230&semi;在首页右侧login处选择open a new account:<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<figure class&equals;"wp-block-image"><img src&equals;"https&colon;&sol;&sol;mmbiz&period;qpic&period;cn&sol;mmbiz&lowbar;png&sol;KQCZicvEy5YZichbA8thfs6qfK3vmXvv7roL2wRNcP6sv36c58MFQicCv90AMRNzxHmphDo2lOFKltUr4wfAzmSSw&sol;640&quest;wx&lowbar;fmt&equals;png" alt&equals;""&sol;><&sol;figure>&NewLine;&NewLine;&NewLine;&NewLine;<p>点进去之后,会告诉你注册一共需要三步,大概前后花五分钟就能完成。<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<figure class&equals;"wp-block-image"><img src&equals;"https&colon;&sol;&sol;mmbiz&period;qpic&period;cn&sol;mmbiz&lowbar;png&sol;KQCZicvEy5YZichbA8thfs6qfK3vmXvv7r5BhE3Jzw2HmCcAfUAt3eGrJjribSlNzBFu32HqwcjX0HUV0zIoGLPgw&sol;640&quest;wx&lowbar;fmt&equals;png" alt&equals;""&sol;><&sol;figure>&NewLine;&NewLine;&NewLine;&NewLine;<p>页面拖到最下面的apply now,进入申请环节,我们一般是选择Individual:<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<figure class&equals;"wp-block-image"><img src&equals;"https&colon;&sol;&sol;mmbiz&period;qpic&period;cn&sol;mmbiz&lowbar;png&sol;KQCZicvEy5YZichbA8thfs6qfK3vmXvv7rhYr7ukS7SyeWd75KnZvmiaNibUXWS2wrOfyWHjkLpBHWicIDwnz9ILXwQ&sol;640&quest;wx&lowbar;fmt&equals;png" alt&equals;""&sol;><&sol;figure>&NewLine;&NewLine;&NewLine;&NewLine;<p>然后就是输入一些个人基本信息啦,都很简单的。<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<figure class&equals;"wp-block-image"><img src&equals;"https&colon;&sol;&sol;mmbiz&period;qpic&period;cn&sol;mmbiz&lowbar;png&sol;KQCZicvEy5YZichbA8thfs6qfK3vmXvv7rALqBj9PtJZSeeA14JSIFiaZLBK0xUPBdiatYfYWxre2O9B4u6Ftr58OQ&sol;640&quest;wx&lowbar;fmt&equals;png" alt&equals;""&sol;><&sol;figure>&NewLine;&NewLine;&NewLine;&NewLine;<p>这里需要绑定银行信息,用来之后买国债或者取现嘛。个人强烈建议选大银行和常用的银行账户,因为政府的网站都很官僚、过时,万一有啥事情,一般大银行好处理一些:<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<figure class&equals;"wp-block-image"><img src&equals;"https&colon;&sol;&sol;mmbiz&period;qpic&period;cn&sol;mmbiz&lowbar;png&sol;KQCZicvEy5YZichbA8thfs6qfK3vmXvv7rHXaAeibMhCVO3WhVbmXaxqcksym67KVO16T2CKHvmx95pkTQ799KrWQ&sol;640&quest;wx&lowbar;fmt&equals;png" alt&equals;""&sol;><&sol;figure>&NewLine;&NewLine;&NewLine;&NewLine;<p>最后需要review确认输入自己的信息正确,选一个icon做security,然后设置密码和三个security问题就完成注册啦!会收到一封确认邮件,其中有你account number<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<figure class&equals;"wp-block-image"><img src&equals;"https&colon;&sol;&sol;mmbiz&period;qpic&period;cn&sol;mmbiz&lowbar;png&sol;KQCZicvEy5YZichbA8thfs6qfK3vmXvv7rm3zBHOMG7ibK9Nd2pbM3erXBVicnHbEuvtr0ehlib279NibNKBk5vibbEMw&sol;640&quest;wx&lowbar;fmt&equals;png" alt&equals;""&sol;><&sol;figure>&NewLine;&NewLine;&NewLine;&NewLine;<p>注册完成后,有的人会收到政府随机抽检的邮件,要进一步核实身份,需要你填写一张表格以后寄到指定地址。具体细节邮件里会提供:Thanks again for opening a TreasuryDirect account&period; We are having difficulty verifying the information you provided when opening your account&period; For your protection&comma; please complete the Account Authorization form https&colon;&sol;&sol;www&period;treasurydirect&period;gov&sol;pdf&sol;rs&sol;acctauth&period;pdf and mail it to Treasury Retail Securities Site&comma; P&period;O&period; Box 7015&comma; Minneapolis&comma; MN<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>A hold has been placed on your account that will prevent you from accessing your account&period;&nbsp&semi;After&nbsp&semi;we&nbsp&semi;receive&nbsp&semi;and&nbsp&semi;approve&nbsp&semi;the&nbsp&semi;Account&nbsp&semi;Authorization&nbsp&semi;form&comma;&nbsp&semi;the&nbsp&semi;hold&nbsp&semi;on&nbsp&semi;your&nbsp&semi;account&nbsp&semi;will&nbsp&semi;be&nbsp&semi;removed&period;&nbsp&semi;<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>一般就是到银行或者信用社,当着银行经理的面完成表格的填写并签字(注意是银行经理,不是公证人!),然后把表格寄回指定地址。<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p><strong>【购买债券】<&sol;strong><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>当你注册好账户以后就可以登陆<a href&equals;"https&colon;&sol;&sol;treasurydirect&period;gov&sol;">https&colon;&sol;&sol;treasurydirect&period;gov&sol;<&sol;a>。登录步骤有点多:<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<ul class&equals;"wp-block-list"><li>需要使用你的account number(是的,不是注册邮箱),以及系统往你邮箱里临时发送的OTP验证码<&sol;li><li>输入账户密码,还不能用自己键盘输入,必须点击页面上键盘&&num;8230&semi;<&sol;li><&sol;ul>&NewLine;&NewLine;&NewLine;&NewLine;<figure class&equals;"wp-block-image"><img src&equals;"https&colon;&sol;&sol;mmbiz&period;qpic&period;cn&sol;mmbiz&lowbar;png&sol;KQCZicvEy5YZSuHOQpEKs2A7icklDW9VASicYfXMwaVsnu25UOtOVWllkfG5uQj0wBThPvWYvdriaNsWRrsicmXqbPg&sol;640&quest;wx&lowbar;fmt&equals;png" alt&equals;""&sol;><&sol;figure>&NewLine;&NewLine;&NewLine;&NewLine;<p><strong>登录点击网页上方的BuyDirects<&sol;strong><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<figure class&equals;"wp-block-image"><img src&equals;"https&colon;&sol;&sol;mmbiz&period;qpic&period;cn&sol;mmbiz&lowbar;png&sol;KQCZicvEy5YZSuHOQpEKs2A7icklDW9VASBPzcicam4Ljz91Trxjtl2sliaMmHUNv7sjiakgXiaHw5jJxhQ84wnRjx0g&sol;640&quest;wx&lowbar;fmt&equals;png" alt&equals;""&sol;><&sol;figure>&NewLine;&NewLine;&NewLine;&NewLine;<p><strong>然后要选择购买Series I(就是我们说的ibond,不要选错啊!!)<&sol;strong><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<figure class&equals;"wp-block-image size-full"><img src&equals;"https&colon;&sol;&sol;travelwithless&period;net&sol;wp-content&sol;uploads&sol;2022&sol;10&sol;image-11&period;png" alt&equals;"" class&equals;"wp-image-41347"&sol;><&sol;figure>&NewLine;&NewLine;&NewLine;&NewLine;<p><strong>输入购买金额,<&sol;strong>一般上限就是&dollar;10&comma;000;然后会从你注册绑定的银行账户里pull这笔钱,大概1-2个工作日会更新。<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<figure class&equals;"wp-block-image size-full"><img src&equals;"https&colon;&sol;&sol;travelwithless&period;net&sol;wp-content&sol;uploads&sol;2022&sol;10&sol;image-12&period;png" alt&equals;"" class&equals;"wp-image-41348"&sol;><&sol;figure>&NewLine;&NewLine;&NewLine;&NewLine;<figure class&equals;"wp-block-image"><img src&equals;"https&colon;&sol;&sol;mmbiz&period;qpic&period;cn&sol;mmbiz&lowbar;png&sol;KQCZicvEy5YZSuHOQpEKs2A7icklDW9VAS1Iic1xm7Sic8EqGMIEW4a7crOsKEpLhiaT&fjlig;FDq8tpsrE8r9S1sh30Wtw&sol;640&quest;wx&lowbar;fmt&equals;png" alt&equals;""&sol;><&sol;figure>&NewLine;&NewLine;&NewLine;&NewLine;<p><strong>【注意事项和常见问题】<&sol;strong><&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>1&period; 每个SSN每年可以网络购买&dollar;10&comma;000的ibond。想要突破这个limit,就是可以再购买paper version的ibond,还可以再额外买&dollar;5&comma;000。当然还有通过gift赠与方式等其他一些手段,大家可以自行了解下。我个人觉得没有必要鸡蛋都放在一个篮子里&&num;8230&semi;也没有那么多cash可以买很多ibond,基本上家里的五六个ssn,已经足够买了&&num;8230&semi;<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>2&period; 债券的有效期为30年。满1年以后大家就可以提前赎回了;其中持有债券时间小于5年的话,取出的时候会损失最后三个月的利息作为penalty<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>3&period; 前面提到过了,ibonds的利率是每6个月根据公式更新一次,一般就是5月初和11月初。利率是按照你买的时候的利率Lock住6个月;6个月以后再按那时候的利率算下一个6个月。<&sol;p>&NewLine;&NewLine;&NewLine;&NewLine;<p>4&period; 赎回ibonds以后需要交税,利息部分只需要交联邦税。<&sol;p>&NewLine;

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