[Caymus]

Originally Posted by REDCART

There was a similar thread on TOTV that also mentioned the gift loophole. However, according to the Treasury Direct web site, the gifted I bond must be registered in the SSN of the recipient, which allows them to enforce the $10K annual maximum. I copied this from their web site.

How much in I bonds can I buy as gifts?

The purchase amount of a gift bond counts toward the annual limit of the recipient, not the giver. So, in a calendar year, you can buy up to $10,000 in electronic bonds and up to $5,000 in paper bonds for each person you buy for.

There may be an exception in death situations where an individual purchased $10K I bonds for themself and then inherited I bonds. Is that the loophole that you had in mind, or is there another that I’ve missed?

Another inconvenient method, you can also invest up to $5,000 of a tax refund.