savings bonds - EE/HH - keep or redeem

Discussion in 'Financial Planning' started by ps56k, Nov 29, 2011.

  1. ps56k

    ps56k Guest

    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
     
    ps56k, Nov 29, 2011
    #1
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  2. ps56k

    Ron Peterson Guest

    On Nov 29, 7:46 am, "ps56k" <> 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
     
    Ron Peterson, Nov 30, 2011
    #2
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  3. ps56k

    anoop Guest

    On Nov 29, 11:05 pm, Ron Peterson <> wrote:
    > On Nov 29, 7:46 am, "ps56k" <> 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
     
    anoop, Dec 5, 2011
    #3
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