savings bonds

30.09.09, 02:24
Czy inwestowanie w savings bonds to dobry pomysl? Czym roznia sie EE
bonds od I bonds? Kolega w pracy mowi, ze bonds sa bezpieczna lokata
i przy okazji pomaga rzadowi.Co o tym myslicie?
    • bella41 Re: savings bonds 30.09.09, 04:17
      najprosztsza roznica- za I placisz face value, za EE polowe, czyli jesli
      kupujesz I za $100 placisz $100, jesli kupujesz EE o tej samej wartosci placisz $50
      to jest baaaardzo powolna forma inwestycji, chociaz pewnie jedna z bezpieczniejszych
      Imo to jest forma oszczednosci bardzo dobra na zasadzie, jesli masz zbedna
      stowke to kupisz bond
      jesli dysponujesz wieksza gotowka, polecalabym inne formy oszczednisci czy
      inwestycji
    • artremi Re: savings bonds 30.09.09, 04:32
      Wklejam troche informacji, chociaz nie znam sie na "bonds" gdyz inwestuje tylko w akcje i opcje. Najbezpieczniejsze sa "Treasurys" czyli obligacje amerykanskiego rzadu - uwazane za jedna z najbardziej bezpiecznych inwestycji na swiecie.

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      Types of Bonds
      1. Government Bonds
      2. Municipal Bonds
      3. Corporate and Junk Bonds
      4. Zero Coupon Bonds

      Most bonds you'll come across have been issued by one of three groups: the U.S. government, state and local governments or corporations. But to confuse things, these entities issue many different types of bonds that run the gamut in terms of risk and reward. Here's a quick introduction to the ones you'll encounter most often.

      U.S. Government Bonds
      The bonds issued by Uncle Sam are called Treasurys. They're grouped in three categories.

      U.S. Treasury bills — maturities from 90 days to one year
      U.S. Treasury notes — maturities of more than one year to 10 years
      U.S. Treasury bonds — maturities of more than 10 years
      Treasurys are widely regarded as the safest bond investments, because they are backed by "the full faith and credit" of the U.S. government. In other words, unless something apocalyptic occurs, you'll most certainly get paid back. Since bonds of longer maturity tend to have higher interest rates (coupons) because you're assuming more risk, a 10-year Treasury has more upside than a 90-day T-bill or a five-year note. But it also carries the potential for considerably more downside in terms of inflation and credit risk.
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