Bonds» Current Rates, News & Information

There is a plethora of investment options for consumers to choose from. Stocks, bonds, CDs, Money Markets, Treasury Bills are all ways people can make their money earn more money. Some of these choices are marketable securities others are Non-Marketable Securities.

Non-Marketable Securities are usually US Savings Bonds, and private shares. Individuals cannot sell these types of securities to another investor. To redeem Non-Marketable Securities the shareholder must work directly with the issuer, per the original terms of the investment.

US Savings Bonds need to be purchased by someone who is over the age of 18 and they must provide a social security number to purchase. During the course of bond ownership, the US Savings Bonds cannot be transferred to another person because they are Non-Marketable Securities. They cannot be traded on the open market freely like stocks. They are investments to be held solely by the owner during the lifetime of their existence.

That is not to say that US Savings Bonds cannot make great gifts. Even though they are Non-Marketable Securities they can be purchased for others. For example, if you need to purchase a baby gift, a Non-Marketable Security US Savings Bond can be purchase in the name and social security number of the child and when they turn eighteen they will be able to access the bond at will.

In general, Non-Marketable Securities cannot be easily be bought or sold. This helps enhance the quality of these types of investments. US Savings Bonds are considered to be one of the safest types of investments consumers can choose to partake in. There are limited amounts an individual can buy per year, they have a low principal risk and a guaranteed yield on the investment. If individuals were planning for their own future (and their familys), then a Non-Marketable Security would make an excellent addition to their portfolio.

Since 1917 the US Treasury sold Bonds as a way to generate a cash flow to help fund the expenses that the government was accruing. At this point the US Treasury has issued savings bonds series starting with the letter A and they currently have the I Bond Series available for sale.

With each new bond series comes a change of the Treasury Rules on the bonds. Each bond is developed for a different time and reason so no two are exactly alike. Then sometimes during the lifetime of a bond the government may issue additional revision. There is no set schedule for when the Treasury changes the rules on bonds.

One of the most recent changes the Treasury issued was on the Series EE Savings Bond. Since their original introduction in 1982 the Series EE Savings Bonds had been earning an interest rate that was adjusted every six months and was pegged to 90% of the average 5-year Treasury note yield in the prior 6 months. However, the last Treasury Bill Change revised the yield for bonds issued after May 1, 2005 to provide a fixed rate for the lifetime of the Bonds up to 30 years.

Although there are no immediate changes scheduled for Treasury Bonds, just recently the National Association of Bond Lawyers requested some adjustments to the current Bond laws. They feel the changes are required because of the current market conditions.

Semi annually the Treasury Department announces its current interest rates for all the bonds held till maturity. The May 1 and November 1 announcements should not be confused with a Treasury Change of the Rules on Bonds, as the rates get adjusted in direct correlation with the Consumer Price Index. These fluctuations are already part of the original rules.

US Savings Bonds issued by the Treasury are a debt security issued by our government as a way to borrow money from their citizens. Since the mid-1930s bonds have been issued by our government in alphabetical order. Each Bond Series that has come out has been slightly different then the last for...

For years financial brokers have joked with their clients if they werent risk takers and wanted to invest like old ladies or orphans. That often stirred up the conversation of which are the Safest Bonds to Purchase and the answer to that is quite easy.

For decades the US government have been...

Bonds are a type of debt security where the US government and their local branches can borrow money from their citizens. In return investors who purchase bonds usually earn a rate of return from the entity that issued them.

Although bonds can legally be issued through a number of places, not all...

US Savings Bonds have a long history of being a secure, safe, and easy way for investing money for long-term growth. The system was originally developed as a way for the cash strapped US government to borrow money from their citizens to help fund wars. Because it is a loan to the Federal...

After weeks of researching, saving, planning, and finally purchasing you still have many unanswered questions about the US Savings Bonds you have purchase. Like why are there two rates for your Savings Bond , seriously what is that all about?

The first things you need to figure out is: why is...

Even though some investments are Non-Marketable Securities, meaning they cannot be sold on the free market, they still can be transferred from owner to owner in some situations. Bond Transfers always begin with completed forms and documents and end with the investments switching ownership.

The...

Safe, secure, and a guaranteed return on investments - Savings Bonds are an excellent tool for diversifying a portfolio. Savings Bonds are government-backed securities. US citizens purchase the bonds from the US Treasury. Over time the value of the bonds increase as they are guaranteed a rate of...

For decades we have been educated that not only is it our civic duty to buy Savings Bonds for the greater good of the country, but that they are an amazingly safe, secure, and easy way to diversify our portfolio and prepare for our financial future. Sure they are a risk free investment option,...