All Topics > Financial Services > I Bond Investments >

I Bond Investments Louisiana

Built to buttress inflation and issued in eight different denominations, from $50 up to $10,000, the I Series bonds offer a fixed rate of return plus an adjustment for rising prices.

Local Companies

Hebert and Hitzman Capital Management
985.613.0395
4600 Highway 22 Suite 8
Mandeville, LA

First Metro Agency
504-348-3131
1810 Barataria Blvd
Marrero, LA

Louisiana Accelerated Equity, LLC
225-573-8894
29700 Amite Acres Drive
Springfield, LA

Continuing Education Institute
504-465-9174
TEACHING Banking and Investment Principles to Reduce Debt
Kenner, LA

Sno Fire& Ice Financial Services Co LLC
504-232-8276
2854 Baronne St
New Orleans, LA

Credit One Restoration LLC
225-214-3491
5841 S Sherwood Forest Blvd
Baton Rouge, LA

Jp Morgan Chase
(318) 226-2414
Shreveport, LA

Cooker & Palmer
(504) 799-3567
3900M N Causeway Blvd
Metairie, LA

National Planning Corporation
(504) 392-3080
8558 Highway 23
Belle Chasse, LA

Leblanc John F
(504) 525-3767
639 Loyola Ave
New Orleans, LA

Adapted From: Bond Investing For Dummies

I bonds are built to buttress inflation. Issued in eight different denominations, from $50 up to $10,000, the I Series bonds offer a fixed rate of return plus an adjustment for rising prices. Every May 1 and November 1, the Treasury announces both the fixed rate for all new I bonds and the inflation-adjustment for all new and existing I bonds. At the time of this writing, the fixed rate is 1.4 percent, and the inflation adjustment is a twice annual 1.55 percent. Adding them together, the I bonds are currently yielding 4.52 percent a year. (Yeah, 1.55 + 1.55 + 1.4 = 4.50 percent, but the added .02 percent is due to interest on interest.)

After you buy an I bond, the fixed rate is yours for the life of the bond. The inflation rate adjusts every six months. You collect all your interest only after cashing in the bond. (That is called accrual interest.)

You have to hold I bonds for at least a year, and if you sell within five years, you pay a penalty. There's a limit to how many I bonds you can invest in — $30,000 a year, per person. And in certain circumstances, the proceeds may become tax-free if used for education expenses.

Because the rate of inflation can vary dramatically from six-month period to six-month period, there are times when I bonds make for fabulous short-term investments. In November 2005, for example, after a spike in the price of oil after Hurricane Katrina, the official inflation rate shot up, and I bonds were paying a very impressive 6.73 percent. At that point, anyone who had cash to invest might have wanted to consider them very seriously. But by the following May, after inflation had cooled, the yield on I bonds dropped rather precipitously to 2.43 percent. They were no longer such a hot investment — you could have done much better with a bank CD.

If you plan to hold I bonds as a long-term investment (longer than a year or two), you should be more concerned with the fixed rate, which will be in effect throughout the life of the bond, than the inflation adjustment, which will vary. Remember that if you cash out before five years, you'll pay a penalty of three months' interest. You can purchase I bonds at your bank or by visiting TreasuryDirect.

provided by:

For Dummies is a registered trademark of Wiley Publishing, Inc. in the United States and other countries. Used here by license.

Featured Local Company

Hebert and Hitzman Capital Management

985.613.0395
4600 Highway 22 Suite 8
Mandeville, LA

Read more about I Bond Investments

- The Advantages of Mortgage Bonds Louisiana

Mortgage bonds have become one of the most popular forms of investment looked into in the United States today. This comes as no surprise since acquiring mortgage bonds have been seen to provide a number of different advantages not just for potential investors but also for the financial institutions offering these mortgage bonds and the borrowers taking out a mortgage or a loan. Here are just some of the many advantages of acquiring mortgage bonds as a form of investment.

- Basics Of Investing Louisiana
- Basics Of Federal Bond Issues Louisiana
- How to Use a U.S. Savings Bond Calculator Louisiana
- Commercial Surety Bonds Louisiana
- Series EE Savings Bonds Louisiana
- Picking Stocks Louisiana
- Short Term Or Long Term Investments Louisiana
- Bond Investing Louisiana
- Surety Bond Bulk Discounts Louisiana

Regional Articles

- I Bond Investments Abbeville LA
- I Bond Investments Alexandria LA
- I Bond Investments Baker LA
- I Bond Investments Bastrop LA
- I Bond Investments Baton Rouge LA
- I Bond Investments Bogalusa LA
- I Bond Investments Bossier City LA
- I Bond Investments Breaux Bridge LA
- I Bond Investments Carencro LA
- I Bond Investments Chalmette LA
- I Bond Investments Covington LA
- I Bond Investments Crowley LA
- I Bond Investments Denham Springs LA
- I Bond Investments Deridder LA
- I Bond Investments Eunice LA
- I Bond Investments Franklinton LA
- I Bond Investments Gonzales LA
- I Bond Investments Gretna LA
- I Bond Investments Hammond LA
- I Bond Investments Harvey LA
- I Bond Investments Haughton LA
- I Bond Investments Houma LA
- I Bond Investments Jennings LA
- I Bond Investments Kenner LA
- I Bond Investments La Place LA
- I Bond Investments Lafayette LA
- I Bond Investments Lake Charles LA
- I Bond Investments Leesville LA
- I Bond Investments Mandeville LA
- I Bond Investments Marrero LA
- I Bond Investments Metairie LA
- I Bond Investments Minden LA
- I Bond Investments Monroe LA
- I Bond Investments Morgan City LA
- I Bond Investments Natchitoches LA
- I Bond Investments New Iberia LA
- I Bond Investments New Orleans LA
- I Bond Investments Opelousas LA
- I Bond Investments Pineville LA
- I Bond Investments Plaquemine LA
- I Bond Investments Ponchatoula LA
- I Bond Investments Prairieville LA
- I Bond Investments Rayne LA
- I Bond Investments Ruston LA
- I Bond Investments Saint Martinville LA
- I Bond Investments Shreveport LA
- I Bond Investments Slidell LA
- I Bond Investments Sulphur LA
- I Bond Investments Thibodaux LA
- I Bond Investments Ville Platte LA
- I Bond Investments Walker LA
- I Bond Investments West Monroe LA
- I Bond Investments Westwego LA
- I Bond Investments Zachary LA

- Basics Of Investing Louisiana

Are you considering investing in order to earn more money? It's important to first gain some financial knowledge to create the foundation for your financial future.

- Series EE Savings Bonds Louisiana
- The Advantages of Mortgage Bonds Louisiana
- Short Term Or Long Term Investments Louisiana
- Commercial Surety Bonds Louisiana
- How to Use a U.S. Savings Bond Calculator Louisiana
- Surety Bond Bulk Discounts Louisiana
- Bond Investing Louisiana
- Basics Of Federal Bond Issues Louisiana
- Picking Stocks Louisiana

Advertising	Food & Beverage	Nightlife
Business Services	Franchise	Online Database
Career	Health	Pets
Cars	Holidays	Real Estate Resources
Computer Hardware	Home Appliances	Retail & Consumer Services
Construction	Home Electronics	Software
Education	Home Services	Technology
Entertainment	Industrial Goods & Services	Telecommunications
Environmental	Insurance	Trade Shows
Family	Internet	Travel
Fashion	Legal	Weddings
Financial Services	Miscellaneous	World History

Advertising	Family	Home Services	Real Estate Resources
Business Services	Fashion	Industrial Goods & Services	Retail & Consumer Services
Career	Financial Services	Insurance	Software
Cars	Food & Beverage	Internet	Technology
Computer Hardware	Franchise	Legal	Telecommunications
Construction	Health	Miscellaneous	Trade Shows
Education	Holidays	Nightlife	Travel
Entertainment	Home Appliances	Online Database	Weddings
Environmental	Home Electronics	Pets	World History