#i-bonds
Series I Savings Bonds — inflation-linked Treasury bonds for personal and business cash reserves, including rates, purchase limits, and tax treatment
Лихвите по EE и I облигации са освободени от федерален данък за колежна такса — освен ако облигациите някога са били на името на детето ви. Правила на Form 8815 и лимити за 2026 г.
At the May 2026 reset, Series I Savings Bonds pay a 4.26% composite rate — a 0.90% fixed rate locked for 30 years plus a 3.34% annualized inflation rate — with state-tax exemption and a $10,000-per-SSN annual cap. A practical guide to where I bonds fit in personal and small-business cash strategy, including LLC entity-account stacking, the 12-month lock and 5-year penalty, and the education-exclusion rules.
