savings bonds

Three Best SBPF - Savings Bond Protection Factors

Posted on August 3, 2017 reports nearly 50 million Americans own over $150 billion worth of U.S. Savings Bonds that are not properly protected. reports nearly 50 million Americans own over $150 billion worth of U.S. Savings Bonds that are not properly protected.

Here are the top three things bond owners can do to improve SBPF – Savings Bond Protection Factors this summer:

1. Keep Detailed Savings Bond Inventory List or Copies Stored Away From Paper Bonds.

  • Write down a list of savings bond information. Indicate the series, denominations, issue dates and always include serial numbers.
  • Make photocopies of all paper bonds.
  • Best Protection– enter (paper) bonds into’s, complimentary online bond calculator©. Include serial numbers for quickest and easiest replacement. A personalized, detailed, color-coded Savings Bond Inventory Report will automatically be created (and can be printed out). The report provides all the essential information needed to make smart financial decisions.
  • A current Bond Inventory Report© is also a useful verification report when cashing in bonds at a bank or financial institution.

2. Always Review Current Bond Values And Interest Rate Performance Before Cashing In.

  • Do a bond analysis before cashing in any bonds using an online bond calculator.
  • NEVER arbitrarily grab a bond from the pile. Some older paper bonds, which are still earning interest, could be the best interest rate performers.
  • Own a lot of bonds?’s Cash In Report© will save investors a lot of time and guess work. The Report also helps determine the correct amount of bonds to redeem, based on the dollars needed, thus helping reduce unnecessary redemptions as well eliminating the need to have to report excess interest income on a Federal Income Tax Return.

3. Inform Trusted Individuals About Your Savings Bonds.

  • Over $23 billion dollars worth of bonds have reached final maturity and no longer earning any interest, and have not been redeemed. Many bonds are likely owned by deceased individuals, or were forgotten about.
  • Often, entitled co-owners, beneficiaries and heirs are not aware that the savings bonds exist. A trusted family member or friend, or even a financial advisor or attorney, should know where the actual bonds are stored.
  • Keep all savings bond records and website and password information (when using a bond management service see below), with legal documents such as wills and estates.

If holding onto savings bonds, using an on-line bond management service, such as’s VIP Membership© helps bond owners maximize their investment and avoid losing money. VIP Members receive monthly Savings Bond Statements providing current bond values and the pertinent financial information needed to properly protect and manage their bond investment.

About’s complimentary calculator provides cash in values, interest rates and a personalized, printable, color-coded, Savings Bond Inventory Report along with a “What This Means To You” explanation. For ongoing savings bond management & updated bond values via unique monthly e-Bond Statements, try a free 14-day trial of the VIP Membership© which includes a helpful Cash-In-Report.©


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