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Question for the Money Doctors

Question submitted on Feb 24, 2013.


I have series EE savings bonds going back 25plus years. They total around 15-20 K, depending on their maturity. I would like to know if you have any recommendations on what I should/can do with them. Thank you. Tim


The Series EE savings bonds are nonmarketable, interest-bearing U.S. Government savings bonds issued at a discount from par. Interest on the Series EE bonds is exempt from state and local taxes. Depending on when the Series EE bonds were issued, they may have very different interest rates, so it is difficult to know exactly what kind of return you are getting without knowing the specific issue dates of the bonds.

However, before I could make a recommendation regarding what you should or can do with them, it is important to know more about you. Ideally, I would like to know more about your age or time horizon for your investments, when will you need the money. Additionally, what other investments do you have and what kind of income are they generating. I would also like to know more about your risk tolerance, that is how comfortable you are with investments with different levels of risk for loss of your investment capital.

U. S. savings bonds are one of the safest and most secure types of investments available. However, if you are concerned about inflation and the loss of purchasing power from inflation while you are invested in a security that receives a fixed income, you might want to consider some equity investments.

Talk with your financial advisor and develop a plan to meet your specific needs or goals and then determine what investments are best to help you meet these goals.

Good luck!

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