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Werewolfdad t1_iycy3tn wrote

The value of the of ibonds always reflects the three month penalty until you've held it for 5 years.

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dune7red4 OP t1_iyd0xff wrote

So the 3 month penalty is front loaded? Is this the correct term?

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Cruian t1_iyd2cke wrote

The 3 month penalty is the most recent 3 months. The website shows the value with the penalty until the penalty disappears, when you'll see 4 months of interest added (the newest + the 3 that were locked up in the penalty).

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