Who defines the yield on government bonds? State or investors? I saw in the news, that when a government is in trouble, or the investors are not sure about it’s creditworthiness, the investors will require higher yield. My question is, we’re talking about yield to maturity, not the coupon yield, right? So it sounds like the investors determine the yield. But how? The nominal coupon yield is fixed, YTM can c…

Stolen Treasury Bonds I was recently told by my mother that my grandparents had purchased bonds for me every year when I was a kid. My bond slips or whatever they give you was stolen from a safe my mother had. When I try to use the treasure hunt portion of the site, nothing comes up. I don’t have any information other than knowing these are in my name and only just f…

I series bonds from tax returns I chose to have part of my tax return to be paid in I series bonds. I recieved a $500 bond check today but I requested $1500 total. In previous years, I’ve always received the entire portion of the return in bonds together. Separate checks but same day. I figured since they are ordered together they are shipped together? Has anyone received thei…

Converting paper bonds to electronic on Treasury Direct and forgot to sign manifest So, not my smartest moment, but about two weeks ago I mailed in about 30 paper bonds to convert them to electronic bonds on Treasury Direct. I got an email saying that the bonds were received. Today when I was helping my parents do the same thing, I realized that I’m pretty sure I never signed the manifest listing my bonds after printing it and …

What’s the deal with the Treasury Department holding up people’s probates because they won’t process US Savings Bonds in a timely manner? So, I gotta imagine that this is affecting a lot of people around the USA. If you have a relative that has passed away, and part of their estate is going to probate and they happen to have US Savings Bonds as some of their possessions, then this is going to affect you. So, my Dad passed away in early May 2022. As part of the probate process, we …

Is there any reason to be holding onto I Bonds right now? Any older I Bonds are currently paying 3. something %, so is there any reason not to just sell them, eat 3 months of 3% interest loss, and invest elsewhere? I guess it partly depends on how far you are from the 5-year mark, and how much better the “elsewhere” return is? submitted by /u/SnortingCoffee

You Can (Probably) Still Make a Killing on I Bonds The Department of the Treasury announced last week that the new rate for I bonds issued between November 2023 and April 2024 is 5.27%. This number includes a fixed rate of 1.30%. With inflation causing concerns for your investments across the board, U.S. savings bonds are considered a safe bet, since they’re fully… Read more…

Huge Reversal in Bonds and Rally in Stocks Cap Wild Week for Markets A series of data reports and actions by policymakers have led investors to reassess their assumptions about interest rates and the economy.

I have US bonds for my son from my uncle and don’t know how this works. My dad died and my stepmom mailed me 2 US bonds in my sons name. I put it in my safe, then realized he has many others. Dating back from 2004. 8 different bonds for $100 each. Can someone please explain to me how these work??? Explain like I’m slow. I was told years ago, but didn’t think anything of it and don’t know what to do with them. su…

Blockchain Startup Etherfuse Rolls Out Tokenized Bonds in Mexico Targeting Retail Investors The company is targeting the second-largest and most liquid bond market in LatAm.

Banks to cash/deposit paper EE Savings Bonds in Atlanta? Hi, any folks who live in Atlanta here? I mostly bank with Chase. I have paper EE savings bonds I want to deposit, but unfortunately for one or two of them, the face value and amount I’d be redeeming exceed the amount of Chase’s more recent national policies. Has anyone had luck with any local banks, especially when opening a new account (versus…

Found $1000 of savings bonds I recently found $1000 worth of EE savings bonds that I got when I was a kid (they were bought for $500). They are worth $1050 right now. They fully mature after 30 years. It has been 20 years and I’m wondering if it’s worth holding them for another 10? Will they even gain any real spending value over the next ten years or will inflation keep th…

Why are bonds doing so bad? I am a reasonably young investor. Looking at my investment portfolio is quite depressing but I just try to think about the fact that I won’t be touching the money anytime soon. In all of my accounts, bond index funds (and international index funds) are down way more than anything else I’m invested in. BND is down almost 18% in my portfolio. I t…

Why do target date funds that are 30+ years away have any bonds in them? On average, stocks outperform bonds over the long-term. If that’s the case, what is the purpose of someone who is decades away from retirement having any bonds in their retirement portfolio? I understand the need to reduce volatility as you approach retirement, but it seems like it just reduces the expected return without any benefit if it’s dec…

Just found out I have $20,000 in bonds from a passed relative. What do I do? My great aunt passed about eight years ago, and I just found a stack of bonds in my name in my parents’ basement. They were issued between 2001 and 2007, and they have an average interest rate of 5.25%, the highest being 8.5% and the lowest being 2.99% (median is 4.7%). Issue price: $10,000 Interest YTD: $10,078 My question is this: These bonds …

LPT – Practice forgiveness and let go of grudges. Holding onto resentment can hinder social bonds, while forgiveness fosters reconciliation. submitted by /u/EngineMain199

Should I sell my inflation bonds and buy t bills? Hi, I purchased 2 bonds. I live in California. Bond 1 Issue Date: 02-01-2023 Maturity Date: 02-01-2053 Interest Rate: 3.79% Bond 2 Issue Date: 05-01-2022 Maturity Date: 05-01-2052 Interest Rate: 3.38% Interest rate is lower on these. I had both less than 5 years. So, should I sell both and buy short term T bill? ​ Thanks submitted by …

Is investing in US Treasury I bonds with a 6.89% interest rate a good move for saving money? I recently came across the US Treasury offering I bonds with a 6.89% interest rate, and it seems like a great opportunity to park some dollars and earn some returns. However, I can’t help but wonder if there are any drawbacks or hidden risks associated with this investment option. I would greatly appreciate any advice or insights from the commun…

Found Savings Bonds in a Diaper Genie My husband found a lot of savings bonds in a diaper genie we got at a Once Upon a Child. I’ve already messaged the person that’s named on them, but if this person never responds to me what should I do with them afterwards? I don’t want to throw them away and I’m pretty sure I can’t cash them so what should I do? submitted by /u/XxSilverBe…

What’s your strategy for 0% Fixed Rate I-Bonds? I’m curious what people are planning to do with their 0% Fixed Rate I-Bonds. Like many I maxed out at $10k in 2022, and those are hitting their one year mark this fall. I’m curious what your strategies are as these become available to redeem, especially if the November fixed rate remains at or above the current .9%. There are a few attractive o…