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Save for Your Future

New Home. Save for Your Future. It’s easy with …. Treasury Securities. What’s good about U. S. Savings Bonds?. They offer competitive interest rates They cannot lose value You can buy them for as little as $25 They grow in value each month

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Save for Your Future

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  1. New Home Save for Your Future It’s easy with … Treasury Securities

  2. What’s good about U. S. Savings Bonds? • They offer competitive interest rates • They cannot lose value • You can buy them for as little as $25 • They grow in value each month • Earnings are not subject to state or local income taxes • You can choose Series EE Bonds or Series I Bonds

  3. Now there are two ways to buy Savings Bonds! TreasuryDirect (for electronic bonds) Traditional payroll savings plan (for paper bonds)

  4. What is TreasuryDirect? • TreasuryDirect is a Web-based system that allows you to: • Establish an account online • Buy, manage, and redeem securities online • Purchase electronic Series EE and I bonds online No paper bonds or paperwork It’s safe, simple, and secure!

  5. How does TreasuryDirect change Payroll Savings? • It’s a simple direct deposit program • You don’t need to wait for paper bonds to arrive in the mail • You can add and change bond registrations online • You can view your holdings online or print a copy, which includes the current value of the bonds

  6. What’s good about TreasuryDirect? • It’s flexible and convenient … available 24/7 • You can set up automatic, repeating purchases • There are no paper savings bonds to lose

  7. And… • You can buy or redeem bonds in one day…with a few mouse clicks. • When you redeem the bonds, the funds are deposited in your checking or savings account • You can make a partial redemption of your bond

  8. Go to www.treasurydirect.gov

  9. Take a Guided Tour!

  10. Begin Saving • Open a TreasuryDirect account online • Provide your employer with a direct deposit request that includes: • your TreasuryDirect account number • the dollar amount to be deducted at specific intervals • the TreasuryDirect routing number (you’ll find this number when you set up your TreasuryDirect account online)

  11. Then… • Your employer sends the deposit to TreasuryDirect with your information based on your payroll schedule • TreasuryDirect receives the deposit and issues you a non-interest bearing Treasury security within your account • You use that security as a source of funds to purchase savings bonds

  12. Just Picture It … 1. You open a TreasuryDirect account 2. You request a direct deposit deduction 3. Your employer initiates the direct deposit. 4. The direct deposit processes electronically 6.You purchase electronic savings bonds 5.Your TreasuryDirect account receives the funds

  13. Looking for Details? • TreasuryDirect has: • Frequently Asked Questions • User Guide • Learn More • Popular Help Topics • Glossary

  14. Fill out an authorization card with savings bond denomination amount registration information Give this to your payroll department Authorize your payroll department to: track your deductions order a savings bond when the purchase price is reached If You Choose Paper Savings Bonds….

  15. For Paper Savings Bonds Here’s How you… • Change Bond Registration or Deduction Amount: • Fill out a new authorization card and give it to your payroll department • Keep track of your bonds: • Keep your bonds in a safe place • Keep a record of the bond information in case they are lost or stolen

  16. Here’s How You…. • Calculate the value of your paper savings bonds: • Visit www.treasurydirect.gov for either the Savings Bonds Calculator or the Savings Bonds Wizard • Redeem your paper savings bonds: • Take your savings bonds to a financial institution and sign each bond • The financial institution will give you cash and deposit it to your account

  17. How You Replace Lost Savings Bonds • Fill out the paperwork for replacing lost bonds • Work with your financial institution

  18. Visit www.treasurydirect.gov for more information on both TreasuryDirect and paper savings bonds • Take a guided tour of TreasuryDirect at www.treasurydirect.gov • Read the employee brochure on electronic payroll savings for more information • If you have additional questions, send them to treasury.direct@bpd.treas.gov

  19. Education Retirement Vacations Save for the future with TreasuryDirect or traditional Payroll Savings … Or Both!

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