To buy Series I Savings Bonds (I Bonds), you must purchase them directly from the U.S. government through the website. Unlike stocks or corporate bonds, they cannot be bought through standard brokerage accounts. 1. Core Requirements & Eligibility
: Interest is exempt from state and local taxes, though federal income tax still applies (unless used for qualifying higher education expenses).
: If you cash out before 5 years , you forfeit the last three months of interest earned.
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: The rate is a combination of a fixed rate and a variable inflation rate that resets every May 1 and November 1 .
: You can purchase up to $10,000 per person, per calendar year through TreasuryDirect.
: Bonds earn interest for up to 30 years unless cashed earlier. 5. Interest Rates & Taxation