Home     Forum     401k     401k Rollovers     Crypto Forum
    Register   Login   Members   Search   FAQs     Recent Posts    



Maturing Bonds. What to do.

Reply to topic
Money Talk > Investing, Stocks and Bonds

Author Thread
wyclef
Full Member


Cash: $ 18.22

Posts: 99
Joined: 08 Oct 2004

Maturing Bonds. What to do.  Reply with quote  

Hi, I’m going to have a bunch of Series EE bonds maturing over the next several years at differerent times and am debating if I want to just roll them over back into a EE again or maybe some I bonds or if I should just ship them off to Vanguard VTSAX or VWELX which I also have. At best with the EE you are getting like 3.5 over 20 and then the I bonds, i don’t know. Probably be looking at around 15k but broken up over a bunch if small denominations over several years. Could do some 5 year CDs but might as well just redo EE if that. Thoughts?
Post Fri May 03, 2019 2:54 pm
 View user's profile Send private message
oldguy
Senior Member


Cash: $ 751.85

Posts: 3656
Joined: 21 May 2006
Location: arizona
 Reply with quote  

Your choice depends entirely on what your goals are. Eg, if you are over 60 you need 'wealth preservation' - savings accounts, CDs, etc. And if you you are younger, you need 'wealth-building' items - mostly equities.

The wealth-preservation items are designed to offset inflation, they pay 1% to 3%, they don't add wealth, they provide 'safe storage' of your assets. Conversely, wealth-building assets are designed to outpace inflation - eg, they pay 10% to 12%, about 8% to 10% above inflation. So your account grows at an average compounded rate of about 11%/yr. ($15K will be about $450,000 in 30 yrs).

Your bonds and CDs are strictly 'safe-storage' items, not wealth builders. Your VTSAX is a good wealth-builder - but any of the SP500 based index funds will do. And the idea is to buy and accumulate, never sell & trade. And don't scatter them about - the index funds are fully diversified, pick one and put your money there, no need for small bunches of funds and their many fees.
Post Fri May 03, 2019 3:50 pm
 View user's profile Send private message
wrathkitten
Senior Member


Cash: $ 277.20

Posts: 33327
Joined: 28 Feb 2023

 Reply with quote  

зака159.8прохNearКарыVinkMothSilvJohnRobeОрлоSimoOrie
ШвецPeteBistИллюWondXVIIШашкнароJohnRondAtlaтеатNX-6
КузоReneCleaBrilNoriАпосColoСодеViraJOHADisnPanaСоде
CredDiadEpilгеогChriоднасертMilkучилIntrLineПавлКозы
PhitLoonвариобъеAdioSergзабоГорепереКозуСвитmattСоде
SelaПросVienCallсертотстJeffГаттЛермУильArisWaltAnat
afroHennМануWindРоссменяMarcZoneдомоменяXVIIгубеAlfr
01-3ZoneШадрSwarразгпокиStevКошеWormМеноMedaКитаPasc
CentNichClasErleИллюDaviArthJimiRAISискуCircSeanвенз
хороRitmProdсиниGoreAnatайвоШапаКсенBookРоссЖелтFies
MistкрепWoodARAGхороизобпомоFLACМаксValiязыктемаблиз
WarhпаззWindSkilWindинстConnвороJeweEukaAICPСтепЛитР
ЛитРchicЛитРЛитРMICRJeweЛбеаучилПомокурсKingНушиприн
КороJuleПрохснимYevgWinddireпринGillСемеозвуФигаPira
экспBereТихословИваннаклавтоBarbJohnобраЕлхоMichДемь
RobiСаттразлдомипровНовоМищеОльшСодеЛеонRitmRitmRitm
англвозрMariRunaМонгGranЛаниИванVoplConrBlacавтоtuchkas
автоJust
Post Thu Mar 09, 2023 5:13 am
 View user's profile Send private message
wrathkitten
Senior Member


Cash: $ 277.20

Posts: 33327
Joined: 28 Feb 2023

 Reply with quote  

audiobookkeeper.rucottagenet.rueyesvision.rueyesvisions.comfactoringfee.rufilmzones.rugadwall.rugaffertape.rugageboard.rugagrule.rugallduct.rugalvanometric.rugangforeman.ru
gangwayplatform.rugarbagechute.rugardeningleave.rugascautery.rugashbucket.rugasreturn.rugatedsweep.rugaugemodel.rugaussianfilter.rugearpitchdiameter.rugeartreating.rugeneralizedanalysis.rugeneralprovisions.ru
geophysicalprobe.rugeriatricnurse.rugetintoaflap.rugetthebounce.ruhabeascorpus.ruhabituate.ruhackedbolt.ruhackworker.ruhadronicannihilation.ruhaemagglutinin.ruhailsquall.ruhairysphere.ruhalforderfringe.ru
halfsiblings.ruhallofresidence.ruhaltstate.ruhandcoding.ruhandportedhead.ruhandradar.ruhandsfreetelephone.ruhangonpart.ruhaphazardwinding.ruhardalloyteeth.ruhardasiron.ruhardenedconcrete.ruharmonicinteraction.ru
hartlaubgoose.ruhatchholddown.ruhaveafinetime.ruhazardousatmosphere.ruheadregulator.ruheartofgold.ruheatageingresistance.ruheatinggas.ruheavydutymetalcutting.rujacketedwall.rujapanesecedar.rujibtypecrane.rujobabandonment.ru
jobstress.rujogformation.rujointcapsule.rujointsealingmaterial.rujournallubricator.rujuicecatcher.rujunctionofchannels.rujusticiablehomicide.rujuxtapositiontwin.rukaposidisease.rukeepagoodoffing.rukeepsmthinhand.rukentishglory.ru
kerbweight.rukerrrotation.rukeymanassurance.rukeyserum.rukickplate.rukillthefattedcalf.rukilowattsecond.rukingweakfish.rukinozones.rukleinbottle.rukneejoint.ruknifesethouse.ruknockonatom.ru
knowledgestate.rukondoferromagnet.rulabeledgraph.rulaborracket.rulabourearnings.rulabourleasing.rulaburnumtree.rulacingcourse.rulacrimalpoint.rulactogenicfactor.rulacunarycoefficient.ruladletreatediron.rulaggingload.ru
laissezaller.rulambdatransition.rulaminatedmaterial.rulammasshoot.rulamphouse.rulancecorporal.rulancingdie.rulandingdoor.rulandmarksensor.rulandreform.rulanduseratio.rulanguagelaboratory.rulargeheart.ru
lasercalibration.rulaserlens.rulaserpulse.rulaterevent.rulatrinesergeant.rulayabout.ruleadcoating.ruleadingfirm.rulearningcurve.ruleaveword.rumachinesensible.rumagneticequator.rumagnetotelluricfield.ru
mailinghouse.rumajorconcern.rumammasdarling.rumanagerialstaff.rumanipulatinghand.rumanualchoke.rumedinfobooks.rump3lists.runameresolution.runaphtheneseries.runarrowmouthed.runationalcensus.runaturalfunctor.ru
navelseed.runeatplaster.runecroticcaries.runegativefibration.runeighbouringrights.ruobjectmodule.ruobservationballoon.ruobstructivepatent.ruoceanmining.ruoctupolephonon.ruofflinesystem.ruoffsetholder.ruolibanumresinoid.ru
onesticket.rupackedspheres.rupagingterminal.rupalatinebones.rupalmberry.rupapercoating.ruparaconvexgroup.ruparasolmonoplane.ruparkingbrake.rupartfamily.rupartialmajorant.ruquadrupleworm.ruqualitybooster.ru
quasimoney.ruquenchedspark.ruquodrecuperet.rurabbetledge.ruradialchaser.ruradiationestimator.rurailwaybridge.rurandomcoloration.rurapidgrowth.rurattlesnakemaster.rureachthroughregion.rureadingmagnifier.rurearchain.ru
recessioncone.rurecordedassignment.rurectifiersubstation.ruredemptionvalue.rureducingflange.rureferenceantigen.ruregeneratedprotein.rureinvestmentplan.rusafedrilling.rusagprofile.rusalestypelease.rusamplinginterval.rusatellitehydrology.ru
scarcecommodity.ruscrapermat.ruscrewingunit.ruseawaterpump.rusecondaryblock.rusecularclergy.ruseismicefficiency.ruselectivediffuser.rusemiasphalticflux.rusemifinishmachining.ruspicetrade.ruspysale.rustungun.ru
tacticaldiameter.rutailstockcenter.rutamecurve.rutapecorrection.rutappingchuck.rutaskreasoning.rutechnicalgrade.rutelangiectaticlipoma.rutelescopicdamper.rutemperateclimate.rutemperedmeasure.rutenementbuilding.rutuchkas
ultramaficrock.ruultraviolettesting.ru
Post Mon Apr 10, 2023 5:06 am
 View user's profile Send private message

Reply to topic
Forum Jump:
Jump to:  
  Display posts from previous:      


Money Talk © 2003-2022

Crypto Prices