savings bonds - EE/HH - keep or redeem

We have a small stack of savings bonds,
mostly the EE kind with a couple HH
that will mature in about 5-10 years.

Just noticed that the HH is now at 1.5%
and the EE are at .06%

Does it make sense to still hold this,
or redeem and put the cash into CDs ?

--
/ _/ _/ _/ _/ _/ _/ _/ _/ _/ _/ _/ _/ _/ _/ _/ _/ _/ _/ _/
No Good Deed -
Goes Unpunished

On Nov 29, 7:46*am, "ps56k" <pschuman_no5pam...@interserv.com> wrote:
> We have a small stack of savings bonds,
> mostly the EE kind with a couple HH
> that will mature in about 5-10 years.

> Just noticed that the HH is now at 1.5%
> and the EE are at .06%

> Does it make sense to still hold this,
> or redeem and put the cash into CDs ?

Governments can keep interest rates low for a long time, but I
wouldn't count on it.

Start redeeming gradually so that you will be able to move to a higher
yield.

--
Ron

On Nov 29, 11:05*pm, Ron Peterson <r...@shell.core.com> wrote:
> On Nov 29, 7:46*am, "ps56k" <pschuman_no5pam...@interserv.com> wrote:
>
> > We have a small stack of savings bonds,
> > mostly the EE kind with a couple HH
> > that will mature in about 5-10 years.
> > Just noticed that the HH is now at 1.5%
> > and the EE are at .06%
> > Does it make sense to still hold this,
> > or redeem and put the cash into CDs ?
>
> Governments can keep interest rates low for a long time, but I
> wouldn't count on it.
>
> Start redeeming gradually so that you will be able to move to a higher
> yield.

What about moving them to I-Bonds? I-Bonds will
yield better interest as inflation takes hold, and the
Fed continues with ZIRP. I don't think CD yields are
going up any time soon...they are still on the way
down as I write this.

Anoop