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Creating a New Century of Savings

Learn how to save wisely for the future by exploring different investment options like savings bonds, 401k plans, mutual funds, IRAs, and more. Discover the benefits of saving with Series EE and Series I savings bonds, including safety, convenience, and tax advantages. Find out how to purchase savings bonds through various convenient methods and take advantage of the power of compounding for long-term financial growth.

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Creating a New Century of Savings

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  1. Creating a New Century of Savings

  2. HOW DO WE SAVE?Some Examples: • 401K OR OTHER SAVINGS PLANS • SAVINGS BONDS • MUTUAL FUNDS • IRAs • CDs • SAVINGS ACCOUNTS

  3. Many Financial Advisors Recommend a Balanced Portfolio STOCKS MUTUAL FUNDS Higher Risk/Return SAVINGS BONDS SAVINGS ACCOUNTS CDs Low Risk/Guaranteed

  4. WHY SAVE WITH SAVINGS BONDS? • SAFE • CONVENIENT • AFFORDABLE • LIQUID • TAX ADVANTAGES

  5. WHY SAVE WITHSeries EE SAVINGS BONDS? • MARKET-BASED RATES • PURCHASED FOR 1/2 FACE VALUE • EARNS INTEREST FOR 30 YEARS

  6. WHY SAVE WITHSeries I SAVINGS BONDS? • FIXED RATE & INFLATION INDEXING • PURCHASED AT FACE VALUE • EARN INTEREST FOR 30 YEARS

  7. I BOND DESIGN“Honoring Great Americans”

  8. HOW ARE SAVINGS BONDS PURCHASED? Convenient Where You Work The Payroll Savings Plan • REGULAR • AUTOMATIC • AFFORDABLE ALLOTMENTS • SAVE IT BEFORE YOU SEE IT • CHOICE OF REGISTRATION

  9. HOW ARE SAVINGSBONDS PURCHASED? Convenient Where You Bank • AT YOUR BRANCH • HOME BANKING • BOND-A-MONTH • CHOICE OF REGISTRATION • GIFT GIVING MADE EASY

  10. HOW ARE SAVINGSBONDS PURCHASED? Convenient Directly from Your Account The U.S. Savings Bonds EasySaver Plan • REGULAR & AUTOMATIC • ACH DEBIT FROM BANK ACCOUNT • AFFORDABLE • CHOICE OF REGISTRATION • GIFT GIVING MADE EASY

  11. HOW ARE SAVINGSBONDS PURCHASED? Convenient by Internet The Savings Bond Connection • ORDER ONLINE AT WWW.SAVINGSBONDS.GOV • PAY BY MASTERCARD OR VISA • AVAILABLE 24/7 • CHOICE OF REGISTRATION & PURCHASE AMOUNTS • CUSTOMIZED GIFT CERTIFICATE

  12. POWER OF COMPOUNDING YEARS OF SAVING $50 MONTHLY

  13. EDUCATION TAX FEATURE Plan 1 • Bonds registered in parent’s name • Owner 24 years of age at purchase • Child may be beneficiary, but not co-owner • Interest may be excluded if these and other restrictions are met (refer to IRS Publication 550).

  14. EDUCATION TAX FEATURE Plan 1 INCOME LIMITS* • Joint Filers: $83,650 - $113,650 • Single Filers: $55,750 - $70,750 *For 2001—Adjusted annually for inflation.

  15. EDUCATION TAX FEATUREPlan 2 • Register bonds in child’s name • Parent may be the beneficiary • Child reports interest annually or defers until redemption • First $750* earned annually is tax exempt • The next $750* is taxed at the child’s rate *For 2001--Subject to adjustment annually.

  16. www.savingsbonds.gov • Free software (The WIZARD) • On-Line Savings Bonds Calculator • Current bond values • Interest rates • Forms • Description of bond programs • Answers to your questions

  17. For more information: Visit us atwww.savingsbonds.gov Read the Information Brochure Call 1-800-4US-BOND

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