Savings Bonds: Safe, Steady Growth

Savings bonds are class of safe assets that can form a solid base for your savings plan. Savings bonds can be an attractive investment option if you like the security of a fixed rate of return and want to avoid the risk associated with the stock market..

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Before you purchase savings bonds you should come up with a financial plan that might include bonds and other safe assets as well as riskier, higher yield assets like equities. Professional financial advisers such as HelloWallet give high quality financial guidance and provide personalized saving plans that incorporate budgeting, debt management, and investment.

Safe assets like CDs and savings bonds generally have higher returns than savings accounts, but also some usage restrictions. Savings bonds have a redemption date, usually measured in years, and redeeming them before that date can result in lost interest, such as with EE Treasury bonds. CDs usually forfeit several months of interest if cashed before maturity. Making a comprehensive financial plan is important to maximize your savings returns with respect to your need to access your money. .

With HelloWallet you input your financial information, as well as your financial goals which can be anything from saving for college, buying a house, or retirement, and we give you a personalized financial plan. HelloWallet is the only online personal financial guidance provider that goes beyond budgeting and helps you achieve specific savings and personal finance goals.

HelloWallet’s personalized advice lets you make informed decisions like, “which is best for a specific saving goal , stocks or bonds?” We automatically update your plan every month, and alert you to new savings opportunities like higher interest accounts from our proprietary database of over 130,000 bank products. HelloWallet monitors your credit risks and will even warn you if the APR on your credit card changes.

A good savings plan also takes into account future spending. HelloWallet securely downloads your bank information to create a comprehensive personal finance profile that brings together all aspects of your finances in an easy-to-understand format. We help you understand your finances so you can take control of your money and make informed financial decisions.

Doing your own savings planning is time consuming, and can result in missed financial opportunities. HelloWallet saves you time, money and effort with only a few clicks. Our customers are using HelloWallet to create personalized budget, retirement, mortgage, portfolio and education plans, which let them take full advantage of their financial options. We hope that you will to, so sign up for your 60 day free trial.