Join Early Retirement Today
Reply
 
Thread Tools Search this Thread Display Modes
how do I check return on savings bonds?
Old 08-02-2017, 04:01 PM   #1
Thinks s/he gets paid by the post
 
Join Date: Jan 2011
Posts: 1,357
how do I check return on savings bonds?

I have some 50,000 worth of EE and I bonds accumulated from 1987 through about 2005. I know a lot of those bonds had guaranteed minimum interest rates, some 6%. But I can't find anything definitive on this, now, be it on the Treasury website or general internet search. As best as I can tell, I can't find any one of my bonds showing earnings of 6%.
Can anyone point me to the right place to get some specific information on my bonds. And, maybe Uncle Sam reneged on their promise and I missed the news on it?

EDIT TO CLARIFY: I know what the current value of my bonds are, and I can compute the return. But I know some of these bonds had minimum guaranteed rates, that I do not see reflected in my values. I just don't know which bonds had those guaranteed returns.
__________________

mystang52 is offline   Reply With Quote
Join the #1 Early Retirement and Financial Independence Forum Today - It's Totally Free!

Are you planning to be financially independent as early as possible so you can live life on your own terms? Discuss successful investing strategies, asset allocation models, tax strategies and other related topics in our online forum community. Our members range from young folks just starting their journey to financial independence, military retirees and even multimillionaires. No matter where you fit in you'll find that Early-Retirement.org is a great community to join. Best of all it's totally FREE!

You are currently viewing our boards as a guest so you have limited access to our community. Please take the time to register and you will gain a lot of great new features including; the ability to participate in discussions, network with our members, see fewer ads, upload photographs, create a retirement blog, send private messages and so much, much more!

Old 08-02-2017, 04:05 PM   #2
Thinks s/he gets paid by the post
 
Join Date: Mar 2015
Posts: 1,212
Try:

https://www.treasurydirect.gov/BC/SBCPrice
__________________

__________________
Old enough to know better.
joeea is offline   Reply With Quote
Old 08-02-2017, 04:08 PM   #3
Full time employment: Posting here.
 
Join Date: Feb 2012
Posts: 544
We just went through this with a couple Series EE bonds DH inherited. IIRC, we got the info via treasuryretail.gov, an arm of treasurydirect.com. Plugged in the bond # and it spit out the current value. I don't recall if it provided more info as we were just interested in the current value to determine whether to hold to maturity or cash them in.
TrvlBug is offline   Reply With Quote
Old 08-02-2017, 04:29 PM   #4
Thinks s/he gets paid by the post
 
Join Date: Jul 2002
Posts: 1,113
https://www.treasurydirect.gov/indiv...esandterms.htm

Look up the month/year of issue for the terms of your EE savings bonds. For bonds issued

November 1986 – February 1993, guaranteed 6% per year, compounded semiannually for the initial maturity period of 12 years
RE2Boys is offline   Reply With Quote
Old 08-03-2017, 06:52 AM   #5
Recycles dryer sheets
 
Join Date: Sep 2013
Location: Tinton Falls
Posts: 77
I recommend you download the savings bond wizard software from the Treasury site and install on your PC. You would have to enter in your bond info one time but the program will store it and output all the relevant data in an easy to understand layout (rates, yield, interest earned, final maturity date...). There is also a running total for all your bonds' price, interest and value. The program updates the interest accumulated for each bond every month and goes out to the Treasury site to get the latest 6 month rate updates. Don't forget that the bond interest is tax free for state income tax. If you use the bonds for higher education, they could become tax free as well for federal income tax purposes (there is an education planning page on the treasurydirect website for more details).

https://www.treasurydirect.gov/indiv...bondwizard.htm
retiredunder50 is offline   Reply With Quote
Old 08-03-2017, 06:56 AM   #6
Give me a museum and I'll fill it. (Picasso)
Give me a forum ...
easysurfer's Avatar
 
Join Date: Jun 2008
Posts: 8,652
Quote:
Originally Posted by TrvlBug View Post
We just went through this with a couple Series EE bonds DH inherited. IIRC, we got the info via treasuryretail.gov, an arm of treasurydirect.com. Plugged in the bond # and it spit out the current value. I don't recall if it provided more info as we were just interested in the current value to determine whether to hold to maturity or cash them in.
Converted all my old payroll purchased EE paper savings bonds to electronic about a year ago. The bonds are now maturing like clockwork every month or two. I feel old. Was just a young pup when started with the bonds.
__________________
Have you ever seen a headstone with these words
"If only I had spent more time at work" ... from "Busy Man" sung by Billy Ray Cyrus
easysurfer is offline   Reply With Quote
Old 08-03-2017, 07:47 AM   #7
Recycles dryer sheets
 
Join Date: Sep 2013
Location: Tinton Falls
Posts: 77
You can get a listing of all the I bond rates for the years you purchased the bonds here:

https://www.treasurydirect.gov/indiv...esandterms.htm
__________________

retiredunder50 is offline   Reply With Quote
Reply


Currently Active Users Viewing This Thread: 1 (0 members and 1 guests)
 
Thread Tools Search this Thread
Search this Thread:

Advanced Search
Display Modes

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off


Similar Threads
Thread Thread Starter Forum Replies Last Post
How is Year to Date Return Different from 2016 Return? nico08 FIRE and Money 4 11-12-2016 09:44 AM
Kitces: / Managing Sequence Of Return Risk With Bucket Strategies Vs A Total Return macav933 FIRE and Money 21 12-06-2014 09:38 AM
Law school debt (check), debt paid down (check), retirement (...) WhatsinaName Hi, I am... 7 08-13-2014 02:13 AM
Fan lined up?check.Excrement ready to hit? check poboy Other topics 130 04-23-2006 08:48 PM
Living Check To Check: Saving Too... MYPROcheckGRESS Young Dreamers 38 02-16-2006 03:36 PM

 

 
All times are GMT -6. The time now is 02:11 AM.
 
Powered by vBulletin® Version 3.8.8 Beta 1
Copyright ©2000 - 2018, vBulletin Solutions, Inc.