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U.S. Savings Bonds: A Safe and Smart Way to Save for Your Future

Discover the benefits of U.S. Savings Bonds as a reliable savings tool. With options like Series EE and Series I bonds, you can earn interest for up to 30 years while enjoying tax advantages. Learn how to purchase bonds easily through payroll savings plans, financial institutions, or directly from the Treasury. Explore the concept of a balanced portfolio and the importance of saving in diverse methods such as mutual funds and IRAs. Start your savings journey today with U.S. Savings Bonds, designed for anyone looking to secure their financial future.

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U.S. Savings Bonds: A Safe and Smart Way to Save for Your Future

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  1. U.S. Savings Bonds Save for Your Future February 2003

  2. How Do We Save? Some Examples: • Mutual Funds • U.S. Savings Bonds • 401k or other Savings Plans • IRAs • CDs • Savings Accounts

  3. Many Financial Advisors Recommend a Balanced Portfolio Stocks Mutual Funds Higher Risk/Return U.S. Savings Bonds Savings Accounts CDs Low Risk/Guaranteed

  4. Why Save WithU.S. Savings Bonds? • Safe • Convenient • Affordable • Liquid • Tax Advantages

  5. Why Save WithSeries EE Savings Bonds? • Market-based rates • Purchased for 1/2 face value • Earn interest for 30 years

  6. Why Save WithSeries I Savings Bonds? • Fixed rate and inflation indexing • Purchased at face value • Earn interest for 30 years

  7. I Bond Design--Honoring Great Americans--

  8. How Are U.S. Savings Bonds Purchased? Through the payroll savings plan • Regular • Automatic • Affordable allotments • Save it before you see it • Choice of registration Convenient Where You Work

  9. How Are U.S. Savings Bonds Purchased? At your financial institution • Ask at your branch • Any series or denomination • Great for gift giving • Choice of registration Convenient Where You Bank

  10. How Are U.S. Savings Bonds Purchased? Direct from the Treasury • Online account • Secure transactions • No paper bonds • Take a Guided Tour at TreasuryDirect.gov Convenient Where You Live

  11. Power of Compounding If you save $50 a month, you will accumulate:

  12. Education Tax Feature Plan 1 • Bonds registered in parent’s name • Owner 24 years of age at purchase • Child may be beneficiary, but not co-owner • Interest may be excluded if these and other restrictions are met • See IRS Publication 550 for details

  13. Education Tax Feature Plan 1 Income Limits* • Joint Filers: $87,750 - $117,750 • Single Filers: $58,500 - $73,500 *For 2003—Adjusted annually for inflation.

  14. Education Tax Feature Plan 2 • Register bonds in child’s name • Parent may be the beneficiary • Child reports interest annually or defers until redemption • First $750* earned annually is tax exempt • The next $750* is taxed at the child’s rate *For 2003—Subject to adjustment annually.

  15. www.treasurydirect.gov For more information, visit our website: • Savings Bond Wizard software to track your bonds • Savings Bonds Calculator to value your bonds • Current interest rates and maturity periods • Treasury Hunt to find lost bonds • TreasuryDirect to purchase and hold bonds electronically • Answers to your questions

  16. U.S. Savings Bonds TreasuryDirect.gov February 2003

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