Separate tables for fixed rates, inflation rates, combined ratesģ0 years (unless you cash it before then).Matrix showing fixed rates, inflation rates, and combined rates together (PDF).We list interest rates for all I bonds ever issued in 2 ways: Thus, your bond's value grows both because it earns interest and because the principal value gets bigger. The new principal is the sum of the prior principal and the interest earned in the previous 6 months. Interest is compounded semiannually, meaning that every 6 months we apply the bond’s interest rate to a new principal value. You can buy paper I bonds with your IRS tax refund. You can buy electronic I bonds in your TreasuryDirect account.
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