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wanttostayhidden t1_iycy4s8 wrote

You only lose the last 3 months of interest if you hold the I bond for less than 5 years. If you buy in Jan 2023 and sell in Jan 2024, you will get 9 months of interest. You don't start gaining interest in the first 3 months because it is accounting for losing the last 3 months of interest.

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dune7red4 OP t1_iyd13be wrote

So any profits I see on my I bond page has taken into account this 3 month penalty?

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Miserable-Shake4052 t1_iyd1f7t wrote

Yes, it is stated as "current value," as in the value if you sold them today. They are still accruing interest monthly.

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