Series EE Savings Bonds: When to Redeem For the Maximum Return
Serial # Series Denom Issue Date Next Accrual Final Maturity Issue Price Interest Interest Rate Value Note ; NA: EE: $1, 01/ 05/ 01/ $ $ %. Aug 07, · To find what your paper bond is worth today: Click the "Get Started" Link above or the button at the bottom of this page to open the Calculator. Once open, choose the series and denomination of your paper bond from the series and denomination drop-down boxes. Enter the issue date that is printed on the paper bond. Note: Enter two-digit months.
Savings bonds are commonly given to children as gifts by their parents and grandparents. And some people purchase savings bonds to be used for future higher education costs. But while safe, savings bonds can have a low rate of return, plus it takes decades for the bonds to fully mature.
Learn more about Series EE savings bonds and then decide whether this is the right investment for you -- including when to cash it out for the most money. A Series EE bond is a government-backed savings instrument that pays a fixed rate of interest like many savings accounts.
Although it takes three decades for a bond to mature, the U. Treasury Department guarantees that they will double in value after 20 years -- actually, a bond could double its value sooner. Using the year target, you'd need an average 3.
If you purchase an EE savings bond in a large denomination and keep it how to stick paper together without glue maturity, it can be an excellent way to invest and save for the future. Are you buying a savings bond for your minor child? Be mindful that electronic bonds purchased through Treasury Direct are sold at face value.
This is different from old paper bonds which were sold at half their face value. You can redeem the bond after only one year of ownership. The Treasury waives the one-year rule if you experience a disaster and need to tap your cash sooner. Follow the directions and select the amount to cash in. The money will appear in your checking or savings account in how much are my series ee bonds worth today two business days.
Just know that once the bond reaches full maturity, it stops earning interest and its value freezes. Others, what are tools in software, hold onto the savings bond to keep the cash inaccessible.
This is an option. For example, it might make more sense to cash the bond and invest it elsewhere. Maybe put the proceeds in an online high-yield savings account or an online high-yield certificate of deposit. Having a diversified investment portfolio can increase the likelihood that your money will grow steadily without too much risk.
These include a certificate of deposit, a money market account, or perhaps an online high-yield savings account. Advertiser Disclosure: Many of the savings offers appearing on this site are from advertisers from which this website receives compensation for being listed here.
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Learn how Series EE savings bonds from the government can help grow your savings and when you should cash them out for the maximum return.
Series EE savings bonds are a low-risk investment. In fact:. About the author Valencia Patrice Higuera. Valencia Higuera is based in Virginia and she covers budgeting, credit cards, and student loan debt, with expertise in frugal living, general banking, and mortgages. She is a self-proclaimed personal finance junkie.
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The Savings Bond Calculator WILL: Calculate the value of a paper bond based on the series, denomination, and issue date entered. (To calculate a value, you don't need to enter a serial number. However, if you plan to save an inventory of bonds, you may want to enter serial numbers.). Jan 31, · The current value of an EE Bond depends on when the EE Bond was issued and when you plan on redeeming the bond. Use the below calculators to find your bond's current value. EE Bond Calculator EE Values Table. To view the value data for all issued bonds, view the EE Bond Value Table. Use the following calculator to find the current value of an EE bond. The funslovestory.com value calculator provides detailed information, but is not an official source of value . rows · May 01, · All EE Bonds must now be held for 12 months before redemption. Bond .
We're pleased to hear from our customers regarding their satisfaction with our website. Although your browser settings don't allow you to view the website survey we're conducting, please e-mail your comments. Note: The Calculator is for paper bonds only. To learn the value of your electronic savings bonds, log in to your TreasuryDirect account.
Find out what your paper savings bonds are worth with our online Calculator. Other features include current interest rate, next accrual date, final maturity date, and year-to-date interest earned. Historical and future information also are available. If you'd like to see what your paper bonds were worth in the past or will be worth in the remaining months of the current rate period:.
If you have questions about any of the fields that are displayed, click the "Help" button at the top of the Calculator. You'll be taken to our help area where you can find short descriptions of what you're seeing in those fields. Note: The Calculator won't save your inventory of paper bonds if you're using either of these browsers: Google Chrome, Microsoft Edge. You can save your inventory so you can update your paper bond values quickly and easily.
All you need to do is use your browser's built-in saving function. Make sure that you save your file as an "HTML Only" file and that you know where on your computer's hard drive it will be saved. Then click "Save. Note: Follow these same steps when re-saving an inventory you've updated. You can open your existing inventory if you have one by navigating to the folder or directory where you saved your list using a file management program such "My Computer" for Windows users or the "Finder" for Mac OS users.
Once you locate your file, double-click it. This should load the file into your web browser where you can click the "Return to Savings Bond Calculator" button to update the values and continue working with your inventory. You must follow the instructions for saving your inventory above once you've updated the values or added or removed paper bonds.
It reports the amount of interest your paper bonds have accrued from the start of a year through the date you enter in the "Value as of" section. Here's how you can use this feature to calculate the amount of interest your paper bonds accrued in one calendar year:. Department of the Treasury, Bureau of the Fiscal Service. Find what your paper bond is worth today Build an inventory of paper bonds Find what your paper bonds are worth in other months Not sure what data the Calculator is giving you?
Want to save your inventory? Need to reopen a saved inventory? Need to re-save an inventory you've updated? If you report savings bond interest to the IRS every year Get Started To find what your paper bond is worth today: Click the "Get Started" Link above or the button at the bottom of this page to open the Calculator. Once open, choose the series and denomination of your paper bond from the series and denomination drop-down boxes.
Enter the issue date that is printed on the paper bond. Note: Enter two-digit months e. If you're not sure where to find the issue date or serial number of your paper bond, see our bond diagram. Click the "Calculate" button. To build an inventory of paper bonds: Repeat the above process for each of your paper bonds. The Calculator will add each new paper bond to the top of your inventory listing. To find what your paper bonds are worth in other months: If you'd like to see what your paper bonds were worth in the past or will be worth in the remaining months of the current rate period: Change the "Value as of" date at the top of the Calculator to the desired date.
Click "Update". Your inventory will update to show the values or your paper bonds as of the date you enter. The Calculator can show you what your paper bonds were worth from January through the current rate period. Not sure what data the Calculator is giving you?
Here's how you can use this feature to calculate the amount of interest your paper bonds accrued in one calendar year: List the paper bonds you want to report annually. Enter December of the tax year in the "Value as of" box.
Find the value in the "YTD Interest" box. That's the amount of interest your paper bonds accrued that year. Get Started. Check out our new "How Do I" pages for savings bond owners Taxpayers: Beware of tax-related scams Watch our TreasuryDirect demo on how to login to your account. Learn more about Frauds, Phonies, and Scams.