Series I bonds have been one of the most popular investments over the last couple years — and it’s no surprise why. They offer the safety of a U.S. government savings bond and an inflation-protected yield that rises as inflation increases, ensuring that you’re not losing purchasing power.

But a number of myths have popped up about buying Series I bonds and how they work. Here are the top five myths about Series I bonds and what you need to know.

Myth #1: You’re limited to $10,000 in Series I bonds annually

It’s true that the U.S. Treasury limits individuals to buying $10,000 in electronic I bonds each year. You can buy these electronic bonds straight from the government at TreasuryDirect.gov. You can buy any amount that you like down to the penny, up to that annual threshold.

However, you can also buy $5,000 in paper I bonds using your federal income tax refund. So an individual could purchase up to $15,000 in I bonds each year, while a family of four might be able to tuck away as much as $60,000 using these two methods. (And here’s how you can use Series I bonds to save for college.)

Of course, this strategy means you’ll need to withhold more from your paycheck or otherwise prepay taxes to the government so that you have enough refunded to purchase the bonds.

Myth #2: You’re limited to $15,000 in Series I bonds annually

Yes, I just stated that individuals can buy $15,000 in Series I bonds between paper and electronic versions, but there’s actually another way that you can buy an unlimited amount, too.

It requires more legwork, and you’ll need to determine if it’s actually worth the worry for you.

If you own a business or even a limited liability company (LLC), you can purchase up to $10,000 in Series I bonds through that entity. In fact, it’s possible to set up a nearly unlimited number of LLCs and therefore buy a nearly unlimited amount of Series I bonds.

Here’s more on this hidden way to buy more Series I bonds and how to set up an LLC.

Myth #3: You won’t get six full months of interest if you buy late

The interest rate on new Series I bonds is valid during two six-month periods: from May to October and November to April. If you buy at virtually any point during the six-month period (see the exclusion in the next myth), then you’ll get the full six months of interest at the stated rate.

For example, some people fret that since they’re buying a bond in June that they’ll receive that period’s interest rate only through October. However, they’ll receive the effective rate for six full months: June, July, August, September, October and November. Then the Series I bond will start receiving whatever rate was announced for the subsequent period for a further six months.