US Savings Bonds/Savings Bonds and competitive investments

Series I Savings Bonds vs the stock market

Wednesday, May 1st, 2013
Categorized as: Savings Bonds and competitive investmentsSeries I US Savings Bonds
125 Comments
Our latest update on the current value of equal monthly investments in the stock market and Series I Savings Bonds.

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I Bonds and the Federal Reserve

Thursday, January 26th, 2012
Categorized as: Savings Bonds and competitive investmentsSeries I US Savings BondsTIPS
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New Federal Reserve policy favors I bonds.

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In praise of Series EE Savings Bonds!

Thursday, August 18th, 2011
Categorized as: Savings Bonds and competitive investmentsSeries EE US Savings Bonds
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Series EE bonds now have higher rates than equivalent 5- and 20-year Treasury securities.

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Jan 98 Series EE vs the stock market

Tuesday, April 3rd, 2007
Categorized as: Savings Bonds and competitive investments
4 Comments
This is our monthly update to a performance comparison of the January 1998 Series EE Savings Bond and stocks.

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Where is the stock market headed?

Tuesday, November 21st, 2006
Categorized as: Savings Bonds and competitive investments
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Some of the folks looking out the windshield see lower-than-expected performance over the next 10 years.

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The Motley Fool on emergency funds

Friday, November 17th, 2006
Categorized as: Savings Bonds and competitive investments
3 Comments
The Motley Fool suggests Series I Savings Bonds as a good place to put your emergency money.

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T-Bill investment rate explained

Tuesday, November 7th, 2006
Categorized as: Savings Bonds and competitive investments
2 Comments
A careful comparison of the rates offered by T-Bills and a high-yield online savings account.

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Do Federal Reserve inflation targets eliminate the need for inflation protection?

Monday, June 12th, 2006
Categorized as: Savings Bonds and competitive investments
5 Comments
What is your stance on Bernanke's goal of keeping inflation limited to 1%-2%? If he is successful, wouldn't that virtually eliminate the need for TIPS and I-bonds?

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Searching for the perfect investment

Thursday, May 25th, 2006
Categorized as: Savings Bonds and competitive investments
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I'm looking for a solid tax-free investment. What do you think about Savings Bonds as a long-term investment, say 10 years?

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Series I bonds versus bank CDs

Thursday, May 4th, 2006
Categorized as: Savings Bonds and competitive investmentsSeries I US Savings Bonds
3 Comments
It's difficult to see how I bonds are a good deal when 1-year bank CDs are paying over 5%.

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Roth IRAs and inflation-protected securities

Friday, April 14th, 2006
Categorized as: Savings Bonds and competitive investmentsSeries I US Savings BondsTIPS
3 Comments
Can I buy a Series I Savngs Bond through TreasuryDirect as a Roth IRA? If not, how do I purchase an I bond or TIPS and establish a Roth IRA with it?

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Should I reinvest my Savings Bonds in an annuity?

Thursday, March 23rd, 2006
Categorized as: Savings Bonds and competitive investments
2 Comments
I have six $10,000 EE bonds purchased in 1995, 96, and 97. Would it be worth my while to cash these bonds in and purchase an annuity?

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Bankrate.com’s CD interest rates

Monday, March 20th, 2006
Categorized as: Savings Bonds and competitive investments
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These charts show the trend in average bank CD rates over the last three months and are automatically updated daily.

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Bankrate.com’s current interest rate table

Friday, March 17th, 2006
Categorized as: Savings Bonds and competitive investments
1 Comment
This long list of bank account and CD interest rates is updated every day by Bankrate.com and is republished here with its permission.

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Morningstar creates TIPS fund category

Wednesday, March 8th, 2006
Categorized as: Savings Bonds and competitive investmentsTIPS
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Morningstar.com, an advisory service for individual investors, has created a separate category for mutual funds that invest primarily in TIPS, the Treasury's marketable-security version of Series I Savings Bonds.

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What’s the average investment in Savings Bonds?

Monday, March 6th, 2006
Categorized as: Savings Bond FAQSavings Bonds and competitive investments
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Today we apply a little math to government statistics and lose our socks over the number of people who could have very large Savings Bond investments.

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Suze Orman likes Roth IRAs

Wednesday, March 1st, 2006
Categorized as: Savings Bonds and competitive investments
2 Comments
I sometimes watch the Suze Orman show and she always brings up that everyone should pretty much just invest in a Roth IRA. She rarely brings up anything about Series I bonds. Could you briefly explain the differences between the two.

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Does the effect of compounding outweigh higher rates?

Friday, February 17th, 2006
Categorized as: Savings Bonds and competitive investments
2 Comments
Interest on Savings Bonds is compounded twice a year whereas interest on savings accounts compounds daily. Will the impact of compounding more than offset the higher interest rate of Savings Bonds?

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Savings Bonds and Treasury Securities

Thursday, February 2nd, 2006
Categorized as: Savings Bonds and competitive investmentsSeries I US Savings BondsTIPS
5 Comments
Why does the U.S. Treasury finance part of the national debt with Savings Bonds rather than with Treasury notes and bonds that are much cheaper? T-bonds with a maturity of 5/15/30 are trading with a yield of about 4.7% this morning while the rate on I Bonds is 6.73%.

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Savings Bonds and IRAs

Monday, June 6th, 2005
Categorized as: Savings Bonds and competitive investments
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Neil Downing at the Providence (RI) Journal has published the most extensive article I've ever seen on Savings Bonds and IRAs.

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Roth IRAs and Savings Bonds

Thursday, March 3rd, 2005
Categorized as: Savings Bonds and competitive investments
1 Comment
Can I invest my Roth IRA funds in Savings Bonds?

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Savings Bonds as emergency funds

Thursday, December 23rd, 2004
Categorized as: Savings Bonds and competitive investments
2 Comments
I know that you can't cash in a series EE savings bond within a year, but what happens if it is a real financial emergency and the funds are needed?

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Are Savings Bond rates too low?

Monday, September 27th, 2004
Categorized as: Savings Bonds and competitive investments
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If I bought a $1,000 Savings Bond today for $500 and it takes 20 years for it to reach face value, thats only $25 a year interest. This doesn't seem like much.

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Savings Bonds vs. the Money Market

Thursday, September 9th, 2004
Categorized as: Savings Bonds and competitive investments
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Assuming that I have $50,000 in a money market account, would it be advisable to pull it out and buy Savings Bonds with that money?

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Annuities versus Savings Bonds

Tuesday, August 24th, 2004
Categorized as: Savings Bonds and competitive investments
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Be careful when the annuity salesman pays a visit. "You make a fortune on the headline and then the fine print takes it all back," is how insider jokes summarize annuities.

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Competitive misinformation

Friday, August 20th, 2004
Categorized as: Savings Bonds and competitive investments
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Savings Bonds aren't a bank product. Although banks, savings and loans, and credit unions often handle Savings Bonds transactions, they would much rather that you deposit your money with them than with the Treasury.

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