The TreasuryDirect website says that an individual has to be a US resident (e.g., pass the substantial presence test) to buy Series I Bonds. I moved to the USA in Q3 of 2022 on a work visa and haven’t been here for over 183 days yet, which means I don’t pass the substantial presence test and am not a US resident for tax purposes yet.
However, I will become a US resident in Q3 of 2023. This means I will be considered a US resident for tax purposes for all of 2023 including today. With the “first-year choice”, I could even be considered a US resident for tax purposes from the date I arrived in Q3 of 2022.
Does that mean I’m eligible for buying Series I Bonds now, given that I will be a US resident for 2023? Or should I wait until Q3 of 2023 and miss out on the interest rate?
You may find these links helpful:
– [US Treasury Savings Bonds](/r/personalfinance/wiki/savingsbonds)
– [“How to handle $”](/r/personalfinance/wiki/commontopics)
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Hey beware of the 007 scam! You send me money, I buy your I bonds. Talk about a golden eye!
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