Should I wait for interest rates to rise before investing?

Tuesday, October 26th, 2004
Categorized as: Buying US Savings Bonds

I’m new at purchasing savings bonds and have just recently come across your web site. Should I wait until interest rates go up again to start purchasing savings bonds?

Tom’s response

Professional financial advisors recommend investing on a regular schedule rather than trying to guess the future.

This way you may not get the best rate offered, but you won’t get the worst rate offered either. Instead, you’ll get the average rate over the time period that you invest.

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FDIC Insured Certificates of Deposit can pay 1 or 2% more than savings bonds when held for a similar length of time. See top CD Rates Below:

One Comment

On March 7th, 2010 Belinda said:

I think that is an excellent answer. Investing is done over long periods of time, so you may end up with many different rates. Keep investing… you won’t end up with the best or worst, but your money is earning interesting no matter what.

Comments Closed

June 1, 2010

After six years, over 400 posts, 3,680 real comments, and over 90,000 spam comments (thank you, Akismet, for making managing a blog with comments possible), I am closing public comments on I will contine to update the main articles on this site, but not the comments.

Virtually every question about Savings Bonds has been asked and answered on this site multiple times. Use the search feature (see the box in the gray area near the top of this page) or the detailed menu on the lower part of the home page to find the information you're looking for. If you have a copy of Savings Bond Advisor, you can ask me a question here.

Tom Adams

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