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OfflinegeokillsA
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Re: CD / HYSA [Re: Big_Dub]
    #28212285 - 03/03/23 10:15 AM (10 months, 21 days ago)

https://www.treasurydirect.gov/savings-bonds/i-bonds/

Set up an account at TreasuryDirect.gov, buy up to $10K/year worth of Series I bonds.  These adjust semi-annually to prevailing inflation, currently paying 6.89%.  Minimum one year lockup on initial investment, then if you cash out in less than 5 years, you forfeit the prior 3 months worth of accrued interest.  Cashing out after five years incurs no penalty, and the bond automatically cashes out its total accrued value at 30 years.  Interest is compounded semi-annually. Even if you cash out prior to 5 years and incur the 3 month interest penalty, these are worth it.  The best prevailing CD rates are currently around 4.5%.  Both the Series I and CD’s are government guaranteed and/or insured, so these are the lowest risk way to put idle cash to work, and the Series I offers the highest return doing so.


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