Question re: waiting time for funds from bonds.

[A HERETIC I AM]

1. If you are worried about tax implications, if you have any, it doesn't matter ....

if it's before 1/1 or after, you'll either owe it for 2022 or 2023. If you might owe any capital gains (If you sell the bonds for more than you paid for them) the only difference in tax rate depends on how long you held them for. If you held them for longer than a year on the date of sale, the taxable rate is going to be lower, but again, that's ONLY on any gains. Unless you have a huge amount,. the tax liability won't be that much. Bonds don't appreciate like other securities.

What type of bonds are you talking about? As far as the waiting period you mention, are they Regular US Treasuries? Savings bonds? Corporate? Municipals?


Here's a page from TreasuryDirect about taxes on Series EE bonds;

https://www.treasurydirect.gov/savings-bonds/tax-information-ee-i-bonds/