Comments on: When to buy savings bonds http://www.savings-bond-advisor.com/when-to-buy-savings-bonds/ Tue, 16 Mar 2010 21:14:00 +0000 http://wordpress.org/?v=2.0.4 by: Tom Adams http://www.savings-bond-advisor.com/when-to-buy-savings-bonds/#comment-29051 Wed, 08 Oct 2008 13:23:47 +0000 http://www.savings-bond-advisor.com/when-to-buy-savings-bonds/#comment-29051 Dave - The FDIC insurance on your bank CDs and Savings Bonds are both guaranteed by the U.S. government, so I don't see much difference in terms of safety at these amounts. Meanwhile, the Treasury changed the Savings Bond program in January so that your maximum annual investment can only be $5,000. There are ways to increase this, but not up to $50K. Tom Adams Dave - The FDIC insurance on your bank CDs and Savings Bonds are both guaranteed by the U.S. government, so I don't see much difference in terms of safety at these amounts.

Meanwhile, the Treasury changed the Savings Bond program in January so that your maximum annual investment can only be $5,000. There are ways to increase this, but not up to $50K.

Tom Adams

]]> by: Dave White http://www.savings-bond-advisor.com/when-to-buy-savings-bonds/#comment-28994 Tue, 07 Oct 2008 17:54:04 +0000 http://www.savings-bond-advisor.com/when-to-buy-savings-bonds/#comment-28994 Tom, We have 5 $10k bank cd's that just came due (4 Oct 08). We are retired and have sufficient income to live comfortably without touching this $50K, but want it to be entirely safe. Is it a good time to buy I bonds? When is the best time to buy and in what denominations? Thanks for your comments. Dave White Tom,

We have 5 $10k bank cd's that just came due (4 Oct 08). We are retired and have sufficient income to live comfortably without touching this $50K, but want it to be entirely safe. Is it a good time to buy I bonds? When is the best time to buy and in what denominations? Thanks for your comments.

Dave White

]]> by: Tom Adams http://www.savings-bond-advisor.com/when-to-buy-savings-bonds/#comment-20767 Thu, 15 May 2008 12:31:58 +0000 http://www.savings-bond-advisor.com/when-to-buy-savings-bonds/#comment-20767 Richard - no, you can't switch between EE and I. If inflation continues at its current rate and if interest rates stay low, then I bonds will earn more even with a 0% fixed rate. However, those are two big ifs. Your guess about what happens in those areas is as good as mine. Tom Adams Richard - no, you can't switch between EE and I. If inflation continues at its current rate and if interest rates stay low, then I bonds will earn more even with a 0% fixed rate. However, those are two big ifs. Your guess about what happens in those areas is as good as mine.

Tom Adams

]]> by: Richard Hetrick http://www.savings-bond-advisor.com/when-to-buy-savings-bonds/#comment-20735 Thu, 15 May 2008 04:55:17 +0000 http://www.savings-bond-advisor.com/when-to-buy-savings-bonds/#comment-20735 SO TOM YOU WOULD THINK IT IS ADVISABLE TO BUY I BONDS EVEN WITH THE 0% FIXED RATE? IWAS GOING TO LET MY SAVING 3.05% SIT IN THE BANK TILL THINGS LOOK BETTER FOR I BONDS. ANOTHER THING CAN I SWITCH EE BONDS FOR I BONDS WITHOUT IT GOING TOWARD THE 5000.00 LIMIT? THANKS TOM YOUR WEB SITE IS GREAT! SO TOM YOU WOULD THINK IT IS ADVISABLE TO BUY I BONDS EVEN WITH THE 0% FIXED RATE? IWAS GOING TO LET MY SAVING 3.05% SIT IN THE BANK TILL THINGS LOOK BETTER FOR I BONDS. ANOTHER THING CAN I SWITCH EE BONDS FOR I BONDS WITHOUT IT GOING TOWARD THE 5000.00 LIMIT? THANKS TOM YOUR WEB SITE IS GREAT!

]]> by: Tom Adams http://www.savings-bond-advisor.com/when-to-buy-savings-bonds/#comment-20568 Mon, 12 May 2008 14:27:20 +0000 http://www.savings-bond-advisor.com/when-to-buy-savings-bonds/#comment-20568 Shane - yes, when CD's are earning a negative rate after inflation, I bonds look good, even with a 0% fixed rate. Tom Adams Shane - yes, when CD's are earning a negative rate after inflation, I bonds look good, even with a 0% fixed rate.

Tom Adams

]]> by: Shane Williams http://www.savings-bond-advisor.com/when-to-buy-savings-bonds/#comment-20499 Sun, 11 May 2008 07:35:11 +0000 http://www.savings-bond-advisor.com/when-to-buy-savings-bonds/#comment-20499 Tom, I just started looking at bonds but I now that the fixed rate for I bonds is now 0.00%. I have moeny sitting in 2 CDs, main CD is at 3.4% and matures in Nov 09, other won is for interest I get off another account (more to this story). I would like to avoid investing in stocks as I already have all of my retirement funds in the markets. Would it be right for me to buy one or two I bonds for now and then wait till the fixed rate goes back up in Nov? Thanks for the great site! Tom,

I just started looking at bonds but I now that the fixed rate for I bonds is now 0.00%. I have moeny sitting in 2 CDs, main CD is at 3.4% and matures in Nov 09, other won is for interest I get off another account (more to this story).

I would like to avoid investing in stocks as I already have all of my retirement funds in the markets. Would it be right for me to buy one or two I bonds for now and then wait till the fixed rate goes back up in Nov?

Thanks for the great site!

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