Buy i-Bonds: The Ultimate Guide for DAPPS Lovers

In today’s fast-paced world, DAPPS lovers need to keep their money secure and growing through safe investments. Luckily, the U.S. government offers a secure and flexible investment option for all DAPPS lovers: i-Bonds. With this guide, you will learn all you need to know about i-Bonds, including how to buy them and their pros and cons.

Welcome to the World of i-Bonds

DAPPS lovers, let us introduce you to the world of i-Bonds. These are savings bonds issued by the U.S. government, backed by the full faith and credit of the United States. i-Bonds are a safe and secure way to invest your money, as they are guaranteed to earn interest and are protected from inflation.

But why should you choose i-Bonds over other investment options? Here are a few reasons:

Pros Cons
Backed by the U.S. Government Low interest rates compared to other investments
Protection against inflation No liquidity for the first year after purchase
Tax-advantaged if used for qualified education expenses Interest rate changes every six months

Now, let’s dive deeper into the world of i-Bonds.

How to Buy i-Bonds

One of the best things about i-Bonds is that you can buy them online from the TreasuryDirect website. Here are the steps you need to follow:

Step 1: Set up a TreasuryDirect account. You will need your Social Security number, a bank account, and an email address to create an account.

Step 2: Log in to your account and navigate to the BuyDirect page.

Step 3: Enter the amount you want to invest.

Step 4: Choose one or more people to own the bonds.

Step 5: Confirm your purchase details and submit your order.

It’s important to note that you can only buy up to $10,000 worth of i-Bonds in a single calendar year, but you can purchase an additional $5,000 worth using your tax refund.

If you prefer to buy i-Bonds through a bank or other financial institution, ask if they offer i-Bonds and how to set up an account.

FAQs About i-Bonds

1. What is an i-Bond?

An i-Bond is a savings bond issued by the U.S. government that earns interest and protects against inflation.

2. How do I buy i-Bonds?

You can buy i-Bonds online from the TreasuryDirect website or through a bank or other financial institution.

3. What is the interest rate on i-Bonds?

The interest rate on i-Bonds is determined by a combination of a fixed rate and a variable rate based on inflation.

4. When can I redeem my i-Bonds?

You can redeem your i-Bonds after 12 months, but if you redeem them within the first five years, you will lose the last three months of interest.

5. Are i-Bonds taxable?

Yes, i-Bonds are subject to federal income tax, but they are exempt from state and local income tax.

6. Can I use i-Bonds for education expenses?

Yes, i-Bonds can be tax-advantaged if used for eligible education expenses.

7. What happens if I lose my i-Bond?

If you lose your i-Bond, you can request a replacement through the TreasuryDirect website or by mail.

8. Can I inherit i-Bonds?

Yes, i-Bonds can be passed on to a beneficiary or added to an estate.

9. Can I transfer my i-Bonds to someone else?

Yes, you can transfer i-Bonds to another individual or to a trust.

10. What happens to my i-Bonds if I die?

If you die, your i-Bonds will be paid to your beneficiary or added to your estate.

11. Can I buy i-Bonds as gifts?

Yes, you can buy i-Bonds for someone else as gifts.

12. Can I use i-Bonds as collateral for a loan?

No, i-Bonds cannot be used as collateral for a loan.

13. How can I stay up-to-date on my i-Bond investments?

You can check the value and interest rate of your i-Bonds online through the TreasuryDirect website, or by requesting a statement by mail.


DAPPS lovers, investing in i-Bonds is a smart and safe way to secure your money and protect it from inflation. Now that you know how to buy i-Bonds, it’s time to take action and invest in your future. Don’t forget to do your due diligence and research the pros and cons before investing.

As always, stay informed and stay invested. Happy investing, DAPPS lovers!


The information in this article is for educational purposes only and should not be construed as financial advice. Consult a financial advisor before making any investment decisions.

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