US Savings Bonds

Key Points Regarding US Savings Bonds:

US Savings Bonds comprise the following: EE Bonds, HH Bonds (no longer issued as of 8/31/04) and I bonds (inflation protection)

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US Savings Bonds are government certificates of debt. What does this mean? When you buy these government bonds, you are in reality giving your money to the US government for a limited time during which you will receive interest. The value of this certificate of debt is set by the government issuing it and its face value is double of what you invest. This means that when you pay one-hundred dollars for a bond, you are in reality paying for something worth two-hundred dollars.

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Savings bonds can be lost, stolen, or they can be destroyed. There are some events that are simply beyond our control. For instance, a house fire can wipe out everything, including savings bonds. If this happens, they can be replaced without a fee and the process is the same for any series of savings bond.

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Why invest in US Savings Bonds? Its a question that few people consider these days, with everyone pressing their luck gambling with stocks, hoping to strike it rich with that “can’t lose” penny stock. While it may not be as thrilling as the stock market, savings Bonds can play a very important role in your portfolio.

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Investors whose savings and investments have been battered by the machinations of the stock market may want to take a step back and reevaluate their portfolios. Tilting less toward high risk stocks and mutual funds and more toward safe fixed income investments like government securities can be a good move in a difficult market.

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