View Poll Results: cash or wait?

Voters
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  • Cash the savings bonds

    7 58.33%
  • Wait until they fully mature

    5 41.67%
Results 1 to 5 of 5

Thread: EE Savings Bonds

  1. #1

    Default EE Savings Bonds

    I have a few $200 EE savings bonds that are not fully mature, but that are over 5 years old (i.e. I won't forfeit the last 3 months worth of interest). I can cash the bonds in now for ~$140. I'm looking for advice on whether I should cash them in now or wait a couple of years until they fully mature and hope that inflation doesn't wipe the purchasing power of the earned $ away. What should I do???



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  3. #2

    Default

    Quote Originally Posted by Gary07 View Post
    I have a few $200 EE savings bonds that are not fully mature, but that are over 5 years old (i.e. I won't forfeit the last 3 months worth of interest). I can cash the bonds in now for ~$140. I'm looking for advice on whether I should cash them in now or wait a couple of years until they fully mature and hope that inflation doesn't wipe the purchasing power of the earned $ away. What should I do???
    I don't know much about EE saving bonds. but what i can understand is they are now worth $140 ea.

    If they mature in a couple years and would be worth $200 ea , i would not cash them in because $60 ea is a pretty good return on $140 in 2yrs. Looks like about 22% per year. Thats not bad .

    Inflation will not raise too much in the next couple years that you would notice.

    JMHO

  4. #3

    Default Don't buy any more series EE

    Folks, if you are reading this thread, please consider getting the series I, instead of the series EE. The EE's are paying 1.25% annually. The E's are paying 5.12% and have a component of their payout linked to the CPI. So there, you'll get a far better yield and some inflation protection if you buy series I.

  5. #4

    Default

    Considering the bond bubble brewing, I would sell the bonds and take the cash. But in reality, you are talking about pretty non material numbers so either way you wouldn't get "killed".

  6. #5

    Default

    Quote Originally Posted by jclay2 View Post
    Considering the bond bubble brewing, I would sell the bonds and take the cash. But in reality, you are talking about pretty non material numbers so either way you wouldn't get "killed".
    That's what I did. I sold all my savings bonds last month. I highly recommend it.
    Force always attracts men of low morality. Albert Einstein

    Government is essentially the negation of liberty. Ludwig von Mises

    The great non-sequitur committed by defenders of the State, including classical Aristotelian and Thomist philosophers, is to leap from the necessity of society to the necessity of the State. - Murray N. Rothbard



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