Latest reviews about United States Savings Bond (I-Bond) Bond

callen says "can not go wrong with saving" about United States Savings Bond (I-Bond) Bond

callen — Tue, 11 Aug 2009 19:30:15 GMT

great to get and give for children, they will appreciate it later in life as well

...

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...

...

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

...

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. ...

...