Reviews about Bonds

sunshine09 says "EE Series US Savings Bond a great no-risk investment for a child" about EE Series US Savings Bond

sunshine09 — Sat, 15 Aug 2009 22:50:07 GMT

The EE Series US Savings Bond are a great choice for the low risk investor like me. Although, they do take awhile to mature. At least you can't lose any money and in this economy that is very important to me. I like the fact the fact that they are affordable as you only have to pay half the face value for example for a $100.00 EE Series US Savings Bond, you only are required to pay $50.00. I buy the bonds right at my local bank and I usually buy them as gifts for the Holidays for my nieces and nephews. Currently, my husband and I try to buy one for each our children once a month. I think these are a better opportunity for the children to have some money since I'm not that knowledgeable about the stock market or other financial investments. These bonds are like a no lose opportunity in that you can't lose what you have paid for them and by the time my children and nieces and nephews are old enough to cash them in they will be worth double what I paid for them.

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JovialCougar says "Deflation ravages I-Bonds, but the future may be better" about United States Savings Bond (I-Bond) Bond

JovialCougar — Sat, 02 May 2009 18:07:26 GMT

There are several types of US Savings Bonds available of investors, and the I-Bond Series is designed to protect investors from inflation. First issued in 1998, this bond is quite different from the much-better-known EE Series US Savings Bonds (http://www.viewpoints.com/EE-Series-US-Savings-Bond-review-41801). And depending on your investment strategy, it may be the right choice for a low-risk investor.

Current interest rate - 3.36% interest

I Series US Savings Bonds have a combined interest rate composed of a fixed rate plus a variable rate based on the Consumer Price Index. The fixed rate remains unchanged until the bond reaches final maturity in 30 years. But the variable rate will go up and down every 6 months based on the rate of inflation. If inflation goes up, this bonds interest rate will go up. But if inflation is less than zero, the variable rate is subtracted from the fixed rate. Yikes!

Currently the I-Bond is taking a battering because its fixed rate of 0.30% is...

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JovialCougar says "EE Series US Savings Bonds: Low Risk, but Low Rewards" about EE Series US Savings Bond

JovialCougar — Sat, 21 Mar 2009 17:25:16 GMT

If you are not sure where to invest your money US Savings Bonds EE Series may be a good choice for you. Although you will not earn much interest, you will never lose the amount you initially invested. Sound appealing? Read on.

Basic facts

EE Series US Savings Bonds are issued by the US Treasury in denominations ranging from $50 up to $10,000. They can be bought at most banks or at Treasury Direct .com. You pay half of the face value of the bond (e.g., a $50 bond will cost $25 to buy) and over time the interest earned will make it worth the face value. The interest is currently accrued each month and the value will never go down.

How much do you earn?

Over the years the amount of interest paid on EE Bonds has changed. Currently the interest rate on new bonds is 1.20% (Nov. 2009). This rate is subject to change on May 1 and Nov. 1 each year. Bonds issued in previous or future years will have different rates.

Currently the bond will reach its full face value in 20 years. So if you buy...

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LatinTiger says "Safe & Sound Investment and it also helps the US Economy..." about United States Savings Bond (I-Bond) Bond

LatinTiger — Wed, 18 Feb 2009 20:46:06 GMT

This is the best choice for investing in bonds and for saving for your future. The United States Savings Bonds provide the security needed to safeguard your money. The United States Government pays me for lending them my money to use for healthcare, education, military, Economic Stimulus Package and other things on the United States Government Budget. It is also the best gift for your children and grandchildren. It helps save for their future. So by actually saving my money by lending it to the United States Government there is no possible way to lose...!!! :-D

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mindwell says "I Bonds Need Watching" about United States Savings Bond (I-Bond) Bond

mindwell — Tue, 09 Dec 2008 15:41:04 GMT

The United States Treasury I Bond is a welcomed addition to savers who have bought EE bonds over the years. However, these bonds need a watchful eye because the rate changes every six months. It is currently over 5% which is a splendid return. There is also a three-month interest penalty if you don't keep the bond 5 years. Still, this is far superior to the EE bonds return which was a paltry 1.4% the last time I looked. And if rates tumble for the I Bonds, you will still be ahead even with the three month penalty. Finally, these are a breeze to purchase. You can do it on-line at the Treasury with funds coming from your checking account. The transaction happens overnight and the paperless bond is held in your account at Treasury ready to be redeemed at quickly...

TheBard says "If you are willing to invest for the long haul buy I-Bonds" about United States Savings Bond (I-Bond) Bond

TheBard — Thu, 17 Jul 2008 21:31:01 GMT

Bottom-Line: As long as you can spare the investment cash, I say purchase I-Bonds and like traditional EE savings bonds, keep them tucked away for retirement.

In my opinion the recent economic turmoil has made 410(k) accounts that have traditionally invested heavily in the stock market, a losing proposition. My personal 401(K) which invests in a fairly diversified mix of vehicles has lost close to $5000.00 since the beginning of the year in this now Bear market. Now my wife and I have our retirement savings spread over a number of different investment vehicles including United States Saving Bonds in the form of I-Bonds, which are currently enjoying an average fixed rate hovering around 4.84% per bond.

Unlike traditional EE Savings Bonds I-Bonds, one buys I-Bonds for the face value of the bond, making the bonds very liquid; e.g. we purchase $200.00 I-Bonds and pay $200.00 for them. The beauty of the I-Bond is that we do not have to wait for them to mature to their face value. ...

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