Treasury Direct IBonds - Base Interest Rate?

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rob
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Treasury Direct IBonds - Base Interest Rate?

Post by rob » Sun May 10, 2020 10:51 am

Is there a way to get the base interest rate - sans total adjusted inflation rate - from the online system? I've been thru all the silly screen and nada I can find. I wish we would go back to paper IBonds :oops:
| Rob | Its a dangerous business going out your front door. - J.R.R.Tolkien

Gill
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Re: Treasury Direct IBonds - Base Interest Rate?

Post by Gill » Sun May 10, 2020 10:58 am

It is available at treasurydirect.gov.
Gill
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rob
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Re: Treasury Direct IBonds - Base Interest Rate?

Post by rob » Sun May 10, 2020 11:18 am

Sorry I was not clear... I can see the general list BUT in the online system I have a stack of purchases... I'd rather not manually match each of them up to the master list as it's just a stack of busy work. Looks like if I want it, that's what it is... instead of a simple value in the list :oops:
| Rob | Its a dangerous business going out your front door. - J.R.R.Tolkien

Broken Man 1999
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Re: Treasury Direct IBonds - Base Interest Rate?

Post by Broken Man 1999 » Sun May 10, 2020 1:26 pm

rob wrote:
Sun May 10, 2020 11:18 am
Sorry I was not clear... I can see the general list BUT in the online system I have a stack of purchases... I'd rather not manually match each of them up to the master list as it's just a stack of busy work. Looks like if I want it, that's what it is... instead of a simple value in the list :oops:
Are you referring to the fixed rate? What is your definition of base rate?

If you are looking for the fixed rate, scroll down in the link anon_investor provided.

Broken Man 1999

ETA: Yesterday I re-valued all 92 of my I-Bonds. There were only 14 issue dates, so I simply found the current value and multiplied it by the number of bonds with that issue date. Fortunately I had never bought mixed amounts on the same issue date. I picked up about $8,000 in my yearly task of updating. Added it to my investments manually tracked by Vanguard. Done for another year.
“If I cannot drink Bourbon and smoke cigars in Heaven then I shall not go. " -Mark Twain

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Re: Treasury Direct IBonds - Base Interest Rate?

Post by #Cruncher » Sun May 10, 2020 2:16 pm

rob wrote:
Sun May 10, 2020 11:18 am
I'd rather not manually match each of them up to the master list as it's just a stack of busy work.
If you're comfortable working with spreadsheets, you can automate the matching up process in either of two ways.
  1. Login to your TreasuryDirect account and get a list of your I Bonds.
  2. Copy and paste [ * ] the list at cell A3 of a blank Excel sheet.
  3. Delete all the pasted columns except for Issue Date and Interest Rate which end up in columns A and B.
  4. Enter the following formula in cell C3. This is the semi-annual inflation rate.
    =IF(MOD(MONTH(A3),6)=5,0.53%,1.01%)
  5. Enter the following formula in cell D3. This is the fixed rate that you're looking for
    =(B3-2*C3)/(1+C3)
  6. Copy the formulas in columns C & D down for as many rows as you have I Bonds.
Step 4 above works only during this month of May. The formula in cell C3 needs to be changed for any other month. Here is a second method that will work during any month:
  1. Same as # 1 above.
  2. Same as # 2 above.
  3. Same as # 3 above.
  4. Copy and paste [ * ]the list of fixed rates from What have rates been in the past? at cell E3 of the Excel sheet. (The pasted two columns should extend down to row 47.)
  5. Sort the pasted cells E3:F47 to be in ascending date order.
  6. Enter the following formula in cell G3. This is the fixed rate you're looking for.
    =VLOOKUP(A3,E$3:F$47,2,TRUE)
  7. Copy column G down for as many rows as you have I Bonds.
Here is an example of eight I Bonds with the fixed rate determined both ways in columns D & G:

Code: Select all

Row    Col A       Col B   Col C   Col D       Col E    Col F   Col G
       Issue    --------- Rates --------
        Date    Interest  Inflat   Fixed     Fixed Rate List   Lookup
  3  04/01/2020    2.22%   1.01%   0.20%    09/01/1998  3.40%   0.20%
  4  04/01/2019    2.53%   1.01%   0.50%    11/01/1998  3.30%   0.50%
  5  11/01/2016    1.06%   0.53%   0.00%    05/01/1999  3.30%   0.00%
  6  11/01/2015    1.16%   0.53%   0.10%    11/01/1999  3.40%   0.10%
  7  11/01/2014    1.06%   0.53%   0.00%    05/01/2000  3.60%   0.00%
  8  04/01/2012    2.02%   1.01%   0.00%    11/01/2000  3.40%   0.00%
  9  10/01/2010    2.22%   1.01%   0.20%    05/01/2001  3.00%   0.20%
 10  04/01/2008    3.23%   1.01%   1.20%    11/01/2001  2.00%   1.20%
 11                                         05/01/2002  2.00%
 12                                             etc.     etc.
* If you have trouble pasting try "Paste Special" and "Text" or "HTML".

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anon_investor
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Re: Treasury Direct IBonds - Base Interest Rate?

Post by anon_investor » Sun May 10, 2020 2:22 pm

Broken Man 1999 wrote:
Sun May 10, 2020 1:26 pm
rob wrote:
Sun May 10, 2020 11:18 am
Sorry I was not clear... I can see the general list BUT in the online system I have a stack of purchases... I'd rather not manually match each of them up to the master list as it's just a stack of busy work. Looks like if I want it, that's what it is... instead of a simple value in the list :oops:
Are you referring to the fixed rate? What is your definition of base rate?

If you are looking for the fixed rate, scroll down in the link anon_investor provided.

Broken Man 1999

ETA: Yesterday I re-valued all 92 of my I-Bonds. There were only 14 issue dates, so I simply found the current value and multiplied it by the number of bonds with that issue date. Fortunately I had never bought mixed amounts on the same issue date. I picked up about $8,000 in my yearly task of updating. Added it to my investments manually tracked by Vanguard. Done for another year.
Did you use this?:
http://eyebonds.info

I saw it in another thread a while back.

Broken Man 1999
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Joined: Wed Apr 08, 2015 11:31 am
Location: West coast of Florida, inland on high ground!

Re: Treasury Direct IBonds - Base Interest Rate?

Post by Broken Man 1999 » Sun May 10, 2020 4:36 pm

anon_investor wrote:
Sun May 10, 2020 2:22 pm
Broken Man 1999 wrote:
Sun May 10, 2020 1:26 pm
rob wrote:
Sun May 10, 2020 11:18 am
Sorry I was not clear... I can see the general list BUT in the online system I have a stack of purchases... I'd rather not manually match each of them up to the master list as it's just a stack of busy work. Looks like if I want it, that's what it is... instead of a simple value in the list :oops:
Are you referring to the fixed rate? What is your definition of base rate?

If you are looking for the fixed rate, scroll down in the link anon_investor provided.

Broken Man 1999

ETA: Yesterday I re-valued all 92 of my I-Bonds. There were only 14 issue dates, so I simply found the current value and multiplied it by the number of bonds with that issue date. Fortunately I had never bought mixed amounts on the same issue date. I picked up about $8,000 in my yearly task of updating. Added it to my investments manually tracked by Vanguard. Done for another year.
Did you use this?:
http://eyebonds.info

I saw it in another thread a while back.
No. I just went to Treasury Direct to get the current amount the I-Bonds were worth. Since I had 14 distinct purchases with varying number of bonds (but never differing initial amounts) within the distinct purchase, it didn't take very long. Get the current value, multiply by numbers held. Repeat 13 more times. Add up all 14 groups totals, done.

My intent is to convert my bonds to electronic holdings. In fact my conversion account has been set up since: Conversion Acct Notification 05-23-2006 11:35:27 AM. I have the conversion activity on my list of things to do, I just haven't reached it yet. :oops:

I am optimistic I will complete this task in 2020. If not, 2021.

Broken Man 1999
“If I cannot drink Bourbon and smoke cigars in Heaven then I shall not go. " -Mark Twain

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