US Savings Bonds

Archive for March, 2007

How to find out the bond value?

If you have a US savings bond and do not know its value, you can use the online Us Savings Bond Calculator to calculate your savings bond value. Another program that is useful in calculating and estimating Us Savings Bond Value is the Us Savings Bond Wizard program that is provided by the US Treasury Department for free of charge.

Using the Savings Bond Wizard to calculate the savings bond value

The drawback of using the Savings Bond Wizard is that you have to download the program, install and use. The Savings Bond Wizard program is harder and more complicated to use then the simple Us Savings Bond Calculator which you do not need to install or download to find the savings bond value.

What is the future savings bond value?

The Us Savings Bond Value at a future date varies based on when the savings bond is issued. Some US Savings Bonds have fixed rate of interest while others have variable and even inflation indexed rate.

The savings bond value is guaranteed

The US government guarantees the savings bond value which makes US Savings Bonds very safe investments. The value of Series EE Bonds, for example, is guaranteed by the US government to double in 20 years.

Us Savings Bond Value grows slowly

The drawback of investing in US Savings Bonds for most investors is that interests accumulate slowly reflecting the safety of the investment. While investing in the stock market, you can usually double your money in a short amount of time in relatively good market, you have to wait 20 years for the savings bond value to double if you invest in Series EE Savings Bonds.

Question: A US savings bond for $500 as an interest reate of 11% compounded monthly…?

a. How much will the bond be worth when it matures after 25 years?

b. if the annual rate of inflation (which lowers the value of money) is 3% during those 25 years, the value of the bond will be less. What will its value be after 25 years?
Explain why.

Answer: a. 500( 1 + .11/12)^(25*12)

b. 500( 1 + .08/12)^(25*12)

7. High Credit Card Interest Rates

The US Savings Bonds that most people want to find out the value of are Series EE Savings Bonds. Series EE Savings Bonds replaced the old Series E Savings Bonds and are now the most popular US Savings Bonds. Different Series EE Bonds have different values based on the issue date.

Is there a Series EE Savings Bonds calculator?

You can use the main Savings Bond Calculator to calculate the value of your Series EE Savings Bonds. The Savings Bond Wizard program will also help you manage your Series EE Savings Bonds. It is free to find out the value of your Series EE Savings Bonds or any other US Savings Bonds.

Registering Series EE Savings Bonds

When you buy Series EE Savings Bonds, it is important to register them so that you can cash them whenever you need to. There are many ways to register Series EE Savings Bonds.

What is the growth rate of Series EE Savings Bonds?

At a minimum, the U.S. Treasury guarantees that series EE Savings Bonds Value will double after 20 years, its original maturity, and it will continue to earn the fixed rate unless a new rate or rate structure is announced. Because of this guarantee by the US government, people feel safe and comfortable buying series EE savings bonds.

What happens is the Series EE Savings Bond does not double?

If a bond does not double in value as the result of applying the fixed rate for 20 years, the U.S. Treasury will make a one-time adjustment at original maturity to make up the difference. Because the US government is guaranteeing the minimum rate of return on series EE savings bonds, investors can have a peace of mind that their investments are going to double eventually.

How long do series EE savings bonds earn interest?

Series EE Bonds earn interest for 30 years. After 30 years, series EE savings bonds no longer earn interests.