U. S. SAVINGS BONDS
You Don't Have to Risk Everything Just to Get What You Want
Getting What You Want Out of Life Doesnít Have to Mean Putting Your Hard-Earned Money at Risk.
U.S. Savings Bonds are a safe, easy way to save money and a solid addition to your investment portfolio. Over 55 million people are taking advantage of Savings Bondsí competitive rates. Whether you select Treasuryís new I Bond or the Series EE Bond, your money is guaranteed to grow and remain safe into the future.
Here Are Some Great Reasons to Think About Saving Money with U.S. Savings Bonds.
Competitive - U.S. Savings Bonds earn competitive rates of return compared to other forms of saving. Interest on Savings Bonds accrues monthly and compounds semiannually.
Safe - Savings Bonds are backed by the full faith and credit of the United States. Your Savings Bonds are registered, so the Treasury can replace them if they’re lost, mutilated, or stolen.
Affordable - For as little as $25, you can start saving money with U.S. Savings Bonds. From there, you can purchase as much as $15,000 worth of Series EE Bonds and $30,000 of I Bonds each year.
Convenient - Buy Savings Bonds where you work, bank, online, or with the EasySaver Plan.
Accessible - Savings
Bonds are easily redeemable, so if you need your money unexpectedly, it’s
right there for you. The longer you let your bonds grow, the more you benefit,
yet you can redeem them any time after 12 months.*
* If redeemed before 5 years, there is a 3-month loss of interest.
Tax Benefits - The interest earned on Savings Bonds is exempt from all state and local income taxes. Federal income taxes are deferred until the bonds reach final maturity, or you redeem them, whichever is first. If you qualify, using Savings Bonds to pay for qualified higher education expenses may allow you to exclude your earning from federal income taxes as well.
U.S. Savings Bonds
HOW $100/MONTH IN SAVINGS BONDS CAN GROW
AFTER 5 YEARS
AFTER 15 YEARS $24,609
AFTER 30 YEARS $69,405
The value in this chart is a sample
based on 4% per annum, compounded semiannually.
Actual rates vary. Listed monthly savings is an example.
Series EE Bonds
Youíll find more information about the I Bond and Series EE Bond in plain language Information Statements on the TreasuryDirect web site. There are also online calculators to help you find the value of Savings Bonds you already own and to help you plan your savings strategy.
Itís Easy to Buy Savings BondsTreasuryDirect - Hold I Bonds in a direct online account with the Treasury. Buy and cash I Bonds and eventually other Treasury securities anytime from your PC.
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