digit8 wrote:For me, I'd like to place them in as kind of a next-to-last-resort emergency fund, something I tap after savings but before needing to go into the retirement funds.
Texas hold em71 wrote:I am not sure I would benefit. I also make too much for them to be used for qualified educational expenses.
surfer1 wrote:I look at I-bonds as a no-brainer and buy the max I can each year. It's basically a gift "CD" from the fed. You won't find a better risk-free interest rate. If you need the money, just break the bond after 12 months.
Tyrobi wrote:Texas hold em71 wrote:I am not sure I would benefit. I also make too much for them to be used for qualified educational expenses.
I wonder can one get around I Bond's income limit to be tax free for qualifying education expenses by (1) redeeming I Bond to contribute to a 529 plan when the time comes, (2) then use it for education expenses.
I haven't bought any I Bond yet and I'm still investigating in what role should I accommodate it in my overall portfolio before buying.
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