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Personal Investments • Re: Cashing out of I Bonds

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What is the "tax refund thing"?
https://www.irs.gov/refunds/using-your- ... ings-bonds
You can buy up to $5K in I Bonds with your tax refund. As I recall this was a pretty simple option to chose in Turbo Tax. You would just want to plan your tax payments to have the refund size you want.

They mail you physical I Bond certificates. I'm not sure if they did this with everyone but instead of ending 1 $5000 certificate or 5x$1000, they issues a few large ones plus a bunch of smaller ones. I guess the reason was so that I could cash in any multiple of $25 (or maybe it was $20). I chose to mail them in to Treasury Direct so I'd have them available electronically. Supposedly if they got lost in the mail there was a way to recover them or have them reissued but it all seemed like a hassle for a $5K investment.
Ahhh got it. Yeah I agree a lot of hassle. No thanks
It's actually a one page form, not really any hassle. But to each their own.
Listing each and every 11 character bond serial #, denomination and issue date you are mailing in, which made it spill into a second page for me. A certain amount of cut and paste could be done, as bonds of the same value were sequential. I found a copy of the manifest I sent in. The lowest denomination was $50, not $20 or $25. I had 4x$1000, 1x$500, 1x$200, and 6x$50. Just to give a better idea of whether this is too much hassle to bother if they haven't done it already.
The past few years we have received a single $5000 I Bond. Sorry yours was more complicated.

Statistics: Posted by AlwaysLearningMore — Thu May 16, 2024 7:21 pm



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