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U.S. Savings Bonds Save for Your Future

U.S. Savings Bonds Save for Your Future. February 2003. How Do We Save?. Some Examples: Mutual Funds U.S. Savings Bonds 401k or other Savings Plans IRAs CDs Savings Accounts. Many Financial Advisors Recommend a Balanced Portfolio. Stocks Mutual Funds Higher Risk/Return.

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U.S. Savings Bonds Save for Your Future

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  1. U.S. Savings Bonds Save for Your Future February 2003

  2. How Do We Save? Some Examples: • Mutual Funds • U.S. Savings Bonds • 401k or other Savings Plans • IRAs • CDs • Savings Accounts

  3. Many Financial Advisors Recommend a Balanced Portfolio Stocks Mutual Funds Higher Risk/Return U.S. Savings Bonds Savings Accounts CDs Low Risk/Guaranteed

  4. Why Save WithU.S. Savings Bonds? • Safe • Convenient • Affordable • Liquid • Tax Advantages

  5. Why Save WithSeries EE Savings Bonds? • Market-based rates • Purchased for 1/2 face value • Earn interest for 30 years

  6. Why Save WithSeries I Savings Bonds? • Fixed rate and inflation indexing • Purchased at face value • Earn interest for 30 years

  7. I Bond Design--Honoring Great Americans--

  8. How Are U.S. Savings Bonds Purchased? Through the payroll savings plan • Regular • Automatic • Affordable allotments • Save it before you see it • Choice of registration Convenient Where You Work

  9. How Are U.S. Savings Bonds Purchased? At your financial institution • Ask at your branch • Any series or denomination • Great for gift giving • Choice of registration Convenient Where You Bank

  10. How Are U.S. Savings Bonds Purchased? Direct from the Treasury • Online account • Secure transactions • No paper bonds • Take a Guided Tour at TreasuryDirect.gov Convenient Where You Live

  11. Power of Compounding If you save $50 a month, you will accumulate:

  12. 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 • See IRS Publication 550 for details

  13. Education Tax Feature Plan 1 Income Limits* • Joint Filers: $87,750 - $117,750 • Single Filers: $58,500 - $73,500 *For 2003—Adjusted annually for inflation.

  14. Education Tax Feature Plan 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 2003—Subject to adjustment annually.

  15. www.treasurydirect.gov For more information, visit our website: • Savings Bond Wizard software to track your bonds • Savings Bonds Calculator to value your bonds • Current interest rates and maturity periods • Treasury Hunt to find lost bonds • TreasuryDirect to purchase and hold bonds electronically • Answers to your questions

  16. U.S. Savings Bonds TreasuryDirect.gov February 2003

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