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Thread: US Saving Bonds

  1. #1
    Flashaholic* sunspot's Avatar
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    Help US Saving Bonds

    How might I find out what the interest rate is on some US bonds I have? Iíve been buying US saving bonds, thru payroll deduction, since 1989. I do remember that when I first started buying them, there was a guaranteed 6% rate, if kept more then 5 years but I also realize that the deals change from time to time.
    Anyone know about these things?
    BTW, Iím meeting with a financial adviser on Friday but Iíd like to go armed.
    TIA
    Dana

  2. #2

    Default Re: US Saving Bonds

    http://www.publicdebt.treas.gov/sav/savinvst.htm


    3.2% thru April 2006

    NOT!

    You typically wouldn't buy gov debt instruments if you have ANY need for appreciation or to hedge against inflation. Hopefully your advisor isn't suggesting that.
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  3. #3
    Flashaholic* MoonRise's Avatar
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    Default Re: US Saving Bonds

    Google is your friend.

    See http://www.ustreas.gov/offices/treas...gs-bonds.shtml for some bond background info.

    And then follow the link to http://www.publicdebt.treas.gov/sav/sav.htm for rate info.
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  4. #4
    Flashaholic* parnass's Avatar
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    Default Re: US Saving Bonds

    Quote Originally Posted by tdhg566
    .....
    You typically wouldn't buy gov debt instruments if you have ANY need for appreciation or to hedge against inflation..
    I am retired. I own US Series I Savings Bonds as a portion of my portfolio as a hedge against inflation. Their current interest rate is 6.73% and they are exempt from state income taxes.

    From the Treasury web site: "The earnings rate of an I Bond is a combination of two separate rates: a fixed rate of return and a variable semiannual inflation rate. The fixed rate remains the same throughout the life of the I Bond, while the semiannual inflation rate can vary every six months...."

    See http://www.publicdebt.treas.gov/sav/sbiinvst.htm for info about Series I Savings Bonds.

  5. #5
    Flashaholic* sunspot's Avatar
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    Default Re: US Saving Bonds

    Quote Originally Posted by tdhg566
    Hopefully your advisor isn't suggesting that.
    Not yet. I'm to meet with him this friday to ask what to do with them.

    Quote Originally Posted by parnass
    Their current interest rate is 6.73%
    That sounds good to me. I'll ask about possibly converting to I bonds.
    I'm looking to retire in 3 years with 30 years with bellsouth, soon to be at&t (I hope).
    Dana

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