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手算的ibond 利率表
作者:liliput
发表时间:2006-02-01
更新时间:2006-02-01
浏览:3201次
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Can you believe that I calculated all these and published in mitbbs
before treasure came out with this?

发信人: liliput (粒粒菩提之喷你者Penny), 信区: Money
标 题: 新的I-Bond利率表(5/2004)
发信站: Unknown Space - 未名空间 (Sat May 8 03:07:36 2004) WWW-POST

按照官方网站treas.gov的发布规律,新的网址应该是:
ftp://ftp.publicdebt.treas.gov/sber0505.txt
大家可以登一段时间再查查上面的网址,treas.gov应该很快就会更新的。

下面是liliput该大家计算发布的利率对照表:

I BOND RATES

Composite earnings rate --
------------------------

Your Series I bond earns interest at a variable composite earnings rate. The
earnings rate has two parts: a fixed rate that remains the same for the life
of your bond and an inflation rate that is updated every six months as your
bond enters a new rate period. Your bond's first rate period begins on its
issue date. A new rate period begins every six months after that. For the
full six months of each rate period, your bond earns interest at its most
recently determined composite rate. Composite earnings rates are determined
each May 1 and November 1, when the fixed rate for newly issued I bonds and
the
inflation rate for all I bonds are announced.

COMPOSITE EARNINGS RATES FOR PERIODS THAT BEGIN MAY 1, 2003 THROUGH NOV 1,
2004

-----------------------------------------------------------
| Issue | Fixed | Semiannual | Composite |
| Dates | Rate |Inflation Rate| Rate |
-----------------------------------------------------------
| May 2004 - Oct 2004 | 1.00% | 1.19% | 3.39% |
| Nov 2003 - Apr 2004 | 1.10% | 1.19% | 3.49% |
| May 2003 - Oct 2003 | 1.10% | 1.19% | 3.49% |
| Nov 2002 - Apr 2003 | 1.60% | 1.19% | 4.00% |
| May 2002 - Oct 2002 | 2.00% | 1.19% | 4.40% |
| Nov 2001 - Apr 2002 | 2.00% | 1.19% | 4.40% |
| May 2001 - Oct 2001 | 3.00% | 1.19% | 5.42% |
| Nov 2000 - Apr 2001 | 3.40% | 1.19% | 5.82% |
| May 2000 - Oct 2000 | 3.60% | 1.19% | 6.02% |
| Nov 1999 - Apr 2000 | 3.40% | 1.19% | 5.82% |
| May 1999 - Oct 1999 | 3.30% | 1.19% | 5.72% |
| Nov 1998 - Apr 1999 | 3.30% | 1.19% | 5.72% |
| Sep 1998 - Oct 1998 | 3.40% | 1.19% | 5.82% |
==============================================================================

How we calculate composite rates

Here's an example of a composite rate calculation. The example shows the
composite rate that I bonds issued in July 2003 will begin to earn in
January 2004.

Fixed rate = 1.10%
Semiannual inflation rate = 1.19%

Composite rate = [Fixed rate + (2 x Infl. rate) + (Fixed rate x Infl. rate)]
Composite rate = [0.0110 + (2 x 0.0054) + (0.0110 x 0.0054)]
Composite rate = [0.0110 + 0.0108 + 0.0000594]
Composite rate = 0.0218594
Composite rate = 2.18594%
Composite rate = 2.19%

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