Buy I-Bonds TODAY at Yotta Bank jayfairbrother.me/Yotta

I Bonds are now up to 9.62 percent. I just bought $10,000 to save for my daughter's college education.

It is insane how this is the first time I hear about these. I just maxed out for the year along with the wifey. We are saving for a downpayment on a future home within a 3-5 year period.

My tax guy brought me to this matter, and I just signed up and bought one to test it out. Definitely more appealing than my "high interest savings account" which is not really high interest. Definitely appealing.

I have been telling my family and friends about this 7.12% I bonds. So far only one family member plus myself have taken advantage.

I invested in i-bonds back in the year 2000 when the interest rate was 7.2%. Now my money has more than doubled. The best time to buy i-bonds are May and November when the interest rates re-adjust. I have some i-bonds I bought back in 2002 that are earning 10% interest which were purchased in May and November of 2002.

I think you missed a feature or two. Interest rates are assigned to an I Bond investment on a six month cycle based on the anniversary month of purchase. I bond rates are adjusted May 1 and November 1 each year. Bond interest rates are whatever they are at the time of purchase but continue for 6 months, at which time the updated rate is applied. (Anniversary dates are adjusted to the first of the purchase month.) Thus a Bond may earn less than the current rate if purchased after the first month of a cycle. Conversely, if the Bond rate goes down, the Bond will earn above current rate until the 6 month anniversary. Thus spreading purchases out could be beneficial by delaying affect of decreases.

A nice, clear and informative presentation. Not one cough, uuum or aaar .. Good job Jay. I only learned about I-bonds, courtesy of my AARP magazine. I had never heard of them and thought the 7.12% interest was a joke. We are looking at these very seriously.

This is an incredibly helpful video. It seems like IBonds are the best safe haven for funds in a high inflation environment.

I Really appreciate the quality of the video as a whole 1.1B% 🤝 this was short and straight to the point and also made me feel more confident in investing. Having 5 kids and knowing this is golden 🏆 thank you so much and may God bless you and everyone else reading this beyond your imagination!

I've got some money on the sidelines that I'm not comfortable putting into the market right now, so this sounds like a good option for the next year or two.

I recently bought iBonds but I didn’t know about the tax break if used for college tuition. Great to know, thanks!

Thanks for the video I saw on reddit that I bonds were giving 7% and it sounded too good to be true. Thanks for explaining what they're all about!

Just bought these for the first time . Pretty simple process with lots of information on the site. You can’t exactly move your savings over because it is limited (as he says ) to 10k but I guess you could set these up as a ladder to keep liquid from being impacted by inflation.

Nice summary of I Bonds. Thanks 🙏

Thanks for this video...I purchased a I-Bond instead of a renewing my CD!

Just bought these for the first time. And now looking to January to see what inflation is doing. Administration is putting in place a number of approaches to curb inflation. We’ll see how successful they are.

Jay I love the knowledge you share with us! Because of you, I bought my ibonds for myself and my business a few days ago, and I invest in JEPI every month faithfully for myself and my business. I’m so grateful the algorithmic energy sent you my way! Thank you 😊

This is really great information! I didn't know about these. I will definitely have to look into them when I decide to add more bonds to my portfolio. Thanks! 👍

Whats actually funny is I saw a few articles about this a few days ago and was considering putting some of my emergency fund in I-bond

Thank you for this information! I didn't know wtf I was doing, so I did nothing at first... This is a great start- now I can start by putting some of my savings in this and then probably ease into a 2 or 3 fund portfolio.

My coworker just told me about this and I'm really considering it.

Clear and easy to understand is not always the case with these finance videos but you did a great job, thank you!

Jay, your video was outstanding. You were able to make this novice really understand I Bonds. Thank you for your thorough explanation that was done in terms I could understand and digest!

Thank you so much sir. Your explanation was very easy to understand for someone who has zero knowledge like myself.

One warning. Be very careful to enter all information on the website accurately, or exactly as it appears on official government documents. There is a small, insignificant error on my wife's driver license. Our street name says Lane instead of Street. It's like we live on "Green St." and on her driver license it incorrectly says, "Green Lane". When she went to buy a bond she correctly put "Green St." Without explanation or a chance to fix it, she was unceremoniously locked out of her account, and it is a ROYAL pain to get it unlocked. You have to mail in a request with a guaranteed signiture from a broker! We live in a rural area, no broker in sight. Notary not good enough. Back and forth, back and forth for over a month! If your driver license is wrong, put what is says, right or wrong!!

I heard about the whole details but this video has explained everything you need to know with all information one need.

I like how you updated the title! Very good video.

Great video Jay. I had the EE bonds through my job and had them for years until I needed additional funds, so cash them in and the interest was great. If I knew about the I bond the interest would of been off the chain. You live and learn. This was a great breakdown between the different bonds. Definitely keeping this video on my watch list 👍🏾

Hmm... this is great information. You really are a fair brother!

This was an excellent video. I’ve been wondering about ibonds and tips for a while and you cleared it all up. Thank you 👍

Excellent information about an investment option that does not get enough attention. I may have missed it, but another variable with TIPS is that the value of the principal can fluctuate in value. Beautiful when it's going up, buy not so much when it's losing value.

Woah this video was on-point and effective. Subscribed!!

Hi Jay, I bought 10K worth of I bonds about a month ago right after the 7.12 Rate adjustment. This is a great vid, thanks for explaining it in more detail that I had before.

Thanks! Need to look into this much more

Short and sweet but very detailed info. Thank you !! Didnt know anything abt iBonds earlier.

You explained this very well

Saving for a down payment on a home. Investing in series i bonds to keep some of it protected against inflation.

Thanks for the clear explanation

Only ever heard of these never had one given to me. HR Block added it as a choice when filing taxes so I decided to look them up.

Great vid! WSJ recently had an article echoing Jay’s presentation. I bonds aren’t for everyone but if you can afford it, you’ll be earning a higher return than what the banks/CU’s are offering.

Actually you can get i-Bonds from Yotta bank. No fee too.

Thanks, Jay! I'll be on the Treasury site in a few minutes.

Thanks for the video, how could I never heard about them before?!

Thanks. Never heard of this. Pretty excited.

This is very helpful! Thank you for sharing

When my grandma died she left both my children $80,000 each in savings bonds and my brother's children $50,000 each and my granddaughter 25,000. My brother and I each got $150,000, so I'm all for savings bonds.

I made the down payment on my house with I bonds almost 20 years ago. They were making me about 10% back then.

Nice video and I just purchased my first I Bond!

Great video! thank you for all the information it was clear and to the point. Helped me understand and buy my first I-Bond!

Great explanation! Thanks!

Great explanation of I bonds.

Glad to see someone else with this same mindset. Me and my gf have been really big on saving the last few years, and i brought up to her a few months ago, that we should start putting her tax refunds into series I bonds since we put them straight into savings as it is. Inflation has already decreased the value of our savings by a few thousand dollars in just a few years. We have some money invested in bitcoin and stocks too, but only 5% of our net worth, which isnt near enough to outpace the inflation on the rest of our money.

Thanks Jay for the video. Very clear illustration.

With how negative real interest rates are right now. These Series I bonds make a lot of sense. If not for negative real yields, either savings accounts or corp bonds would make more sense. Rates are just too low for where inflation is.

Thanks. Great video.

excellent video! Extremely imformative! I'm going to put $1000 in an I-Bond this week

Great video. I wonder how much interest in average bonds historically gave. If it gave more than CD at any given time, investment in these bonds is no-brainer!

Thank you ☺️. I learned a lot 😊

Nice video man

Yes. Very informative. I am definitely going to put some money into this. Thank you!!

No brainer. Inflation is here to stay. Done at max. Wish I could buy more. You can bet I will on January 1st!

Great videos. Seems like nows the time to buy some I bonds

I shared this with my kids. Thanks for the easy to understand video.

Excellent information I would post the government site too.

Very nicely explained.

Only risk I see is that if severe hyper inflation occurs you get the average inflation rate over the prior six months. This means you get behind the inflation curve, that could be bad. That said I am still going to max out on these gems as I think hyper inflation in near term is low, and like the risk free aspect in this crazy financial world.

Wow! This is good info... thanks 😊

As a guy from the future, the Treasury is in trouble. "There's essentially zero risk". -Jay Fairbrother c. 2022 😅

This is fantastic. Thank you for this video.

please what's the name of the microphone you're using.. it sounds good... I want one

Thank you for this video 🙏🙏🙏

Excellent information. Thanks.

Can you buy these bonds and compound to pay off student loans tax free whilst keeping up with inflation?

This was definitely a quality video with everything explained well. Thank you for posting!

How often is the interest compounded and added to your iBond? Monthly? At the 6 month interest reset mark?

great info....why isn't everybody doing this? having savings for some is tough...but come on...7% return...no risk? Awesome

Utility ETF’s offer liquidity at 7%. They are much more stable than regular stocks and can pay dividends monthly. Liquidity is a very serious requirement in investing.

Great Video thank you very much!!!

Great video. Thank you!

Great info! Thanks!

so if I buy 10k I bond at 9.62 % then cash out after 12 months, how much penalty would i receive ?

I just bought 10k on Dec 30 and another 10k on Jan 3rd. So 20k in. Better than sitting in my ally for 0.5%. In my view it's liquid after 1 year so there is no downside compared to ally.

These sound super interesting Jay, never heard of these before

Thanks! Just opened an account

The foreshadowing is strong here

You can also buy up to 10k under your living trust

Thanks, good job.

It is better than CD for sure. CD does not include inflation rate

Jay, Thank you very much for this video. I have a small question, does our Treasury account balance get updated with the interest every month, or all the accumulated interest is deposited at the end of 6 months ?

Who knows what the rates will be in 10, 20, 30 years. So estimating historically, much does it pay for a 10K, I bond. held to maturity, 30 yrs ? Does compounding work the same with semi-annual payments acheiving huge gains at maturity ? And then. wouldn't there be huge income taxes on that one time payment ?

So just to be clear, if I were to put 10k in now, that 10k would only earn the 9.62% for the next 6 months (or whenever that rate component changes) and then it would earn the new rate? So this is not “locking in” 9.62% on that 10k for the full 30 years.

so each transaction count as a bond? if i buy 50$ now and then 100$ i have 2 bonds?

"Outpacing inflation" means that we trust that inflation is being measured accurately. I have a sneaking suspicion that a basket of goods is not reflective of the inflation rates we are seeing in housing, medicine, medical care, education.... If "true" inflation is higher than your 7.12%, which I think is fair to say is the case, you are really just stemming the bleeding. But I do hold I-bonds. I am just not about to put more than a modest percent of my savings into them. Where is a safer place? Well, that I don't know. Thanks for reminding us about these bonds. I am glad to know there can be a penalty too. I assume that is paid when you cash them out. Never did that yet. But it makes sense that the federal govt wants us to hold onto them a while.

Can’t buy them through brokerage and can only invest 10k most of the time - huge downsides in my mind

Thank you for the great video! Quick question, at the 7:00 mark, you have a table that shows if I buy a bond in February, new rates will take effect February 1 and August 1st. Does that mean the 7.12% rate is set until August 1st or will my rate change May 1st?

Excellent explanation of this Buried "Treasure" from the Treasury Dept. As a Retired guy (and wife), looking for some additional income to supplement our retirement income with which seems like no risk (unless out current Administration goes Topsy Turvey). I'd like to see more of these advising videos. Looking for solid ETFs or Individual Stocks for good Dividends (AT&T, Exxon Mobil, etc.). THX again.

Great video!

Great video. I have a fair $ amount in i-bonds and they have adjusted. My only question is why some older bonds didn't adjust to %7? Only newer ones.

Great video Jay! for Emergency fund, where you prefer to keep?