When I first started working at my job, I got signed up for payroll deduction into EE bonds. I stopped that after some years. The earliest ones will start maturing in 2011.
Right now, these bonds would represent a small portion of my overall bond exposure, about 2.5% of what I have projected for bonds.
Should I keep these or cash in now?
Brian
What is the issue date on the bonds coming due?
Some of your bonds may be paying a minimum of 7.5% right now. See
The home page of the site above has links to other helpful info on this.
"Default User" wrote
"Elle" wrote
Oops, the minimum likely expired. It's a tad complicated. See the site above and sites like
I'd say the EE bonds are close enough to mimicking the bonds used in allocation planning. One of the most famous allocation studies (Trinity U.) used investment grade, long term corporate bonds, which should pay better interest than any Treasury. I'd stick with bonds having no more than about a five year maturity, since these historically "optimize" return and are short enough to offer some flexibility. Going out beyond five years does not result in much higher interest rates.
The earliest bonds were purchased in 1981. They are either $50 or $100 EE bonds.
Brian
I downloaded this spreadsheet thing that tells you what the current value and all is.
I'll probably just hang on to them then, at least until they begin to mature.
Brian
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