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How to Get 8% Annual Return with Zero Risk

Contributed by mm | November 6, 2007 4:28 PM PST

What if I tell you there is a risk-free investment that is backed by the full faith and credit of the U.S. Government, will guarantee you an annual return of 8%, and is open to every taxpayer?

And this investment is made available by an unlikely source: IRS.

Yes, you didn't read it wrong. It is from the famous/infamous Internal Revenue Service.

I only learned this from my finally-arrived-after-10-month-delay tax return check for my 2005 federal tax return. (Long story short, my tax advisor can only file my 2005 tax return in January 2007 in order to satisfy certain requirements for foreign-earned income classification. And then my check got lost and we have to file a request using IRS Form 3911 to trace the check. IRS finally issued a replacement check last month.) To my surprise, the amount on the check is $408 higher than what we asked for the in the original return.

And what's on the check (copy below, certain identifiable details removed) revealed that the $408 difference is due to interest - paid by IRS to me for my overpayment:

taxreturncheck2005.jpg

Indeed, IRS has a 29-screen-long web page that explains overpayment interest. In a nutshell, if you overpaid your tax to IRS, IRS is required to pay interest on the overpayment starting from the due date of the return, or the receipt of your tax return, whichever is later. (Read: if you want to try this for your 2007 tax return, your overpayment won't accrue interest until April 15, 2008.)

In addition, IRS regularly adjusts and announces the prevailing interest rate that will be applied for overpayments (along with interest rate for underpayments and scenarios). Lately, the interest rate on overpayments is a mouthwatering 8%.

So add these all together, one can conceivably take advantage of this government backed high yield vehicle by follow these steps (I'm not promoting this and please try it at your own risk):

1) Make a sizable estimated tax payment in March 2008 for tax year 2007;

2) File your tax return before April 15, 2008 by including your March 2008 estimated tax payment and showing a big tax refund; request IRS to mail you the check instead of direct depositing to your bank;

3) Don't cash the check when you receive it;

4) Wait as long as you want and then file IRS Form 3911 to formally request a replacement check.

5) Your replacement check will include the accrued interest and congratulations on getting the 8% annual return on your overpayment.

One last thing: according to my tax advisor, the interest on overpayment is, still, taxable. But even with that, the 8% interest rate from the U.S. government handsomely beats any high-yield money market products out there by a large margin, right?

This Post Has Received 265 Comments. Share Your Opinions Too.


John Commented on November 6, 2007

Wow, that is very interesting to hear.


hejustlaughs Commented on November 6, 2007

The last people on Earth I want to mess with are those guys.


2million Commented on November 7, 2007

I love it! Thanks for the fresh idea - not sure I'll try it though.


FredTed Commented on November 7, 2007

If intentional, that strikes me somewhat of... fraud?


Juan20 Commented on November 7, 2007

Very interesting. I will have to check that out.


Chris Commented on November 7, 2007

Uh, founds like fraud to me, too. Wouldn't touch this with a ten foot pole! Nice to know the interest charges go both ways though.


Philby Commented on November 7, 2007

Very clever idea, are you going to try to do this purposefully next year?


Jacob Commented on November 8, 2007

I would stay away from this strategy as it borders on fraud. Why take such a big risk for a measly 8%?


LegalTherapy Commented on November 8, 2007

This sounds like fraud to me too! You'd be purposely runing up what the IRS will need to reimburse you and then holding unto their check for some period of time and then telling them you lost it? This sounds like a bad idea.


JP Commented on November 8, 2007

I would not recommend anyone try this tactic. I am currently dealing with the IRS for tax year 2004. I failed to pay all my taxes and paid in full in 2006. Well I got another letter recently saying I owe them the same plus penalty and interest. Somehow my first check didn't get recorded.

Stay away from messing with IRS. They have long arms.


InvestRequest Commented on November 8, 2007

I can tell you where you can earn 100 percent return--contribute to your employers 401K TO THE MAXIMUM MATCH LEVEL. Surprisingly, many do not and leave money on the table.

Regards,

InvestRequest.com


financetravels Commented on November 9, 2007

interesting idea, but I don't think I have the guts to try it!!


Money Blue Book Commented on November 9, 2007

Very very clever, but likely fraudulent...you don't want to mess with the man.
-R


fin_indie Commented on November 10, 2007

Very clever, but after you pay ~30% tax on that 8%, you're only looking at 5.6% return. Not worth the hassle and risk for a marginally higher return than a good MM acct.


shadox Commented on November 10, 2007

Man, oh man, that's a bad idea if I ever heard one. Do not mess with the I R S.

What is the interest rate on jail time?


Creative Investor Commented on November 12, 2007

fin_indie: Don't forget that you have to pay interest on MM interest too, so difference in return is not THAT marginal.

Either way, even though this is not the greatest idea, I liked the story and was surprised that IRS actually pays taxpayers interest too. It's a nice bonus if you or they make a mistake with paperwork, etc., but certainly wouldn't want to do this on purpose.


jac Commented on November 22, 2007

Call me naive, but that is cheating. And guess who has to pay that 8% interest? We do, the taxpayers who don't cheat. It would serve you right if the IRS went after you, as they should. Your tax adviser must be a moron, like you.


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