As the inflation rate is increasing, is it a good idea to buy savings bond?
345624
No, it is not.  For instance, the current savings bond rate is 3.20%.  Last year, the inflation rate was 3.42% so your real rate of return on the savings bond is -0.20%.  Factor in a nominal federal tax rate of 15% and your real rate of return is -0.67%.
802284
You should ask if it is an honest market. do you think the prices have gotten so high naturally?? If you do not know why prices have gotten so high check out this web site it show how they made the bubble. The good news as with all bad news if you understand why it is messed up you can profit from it.\n\n2008 should be a good time.\n\nBest of luck\n\nhttp://www.breakingbubble.com/index.htm
109956
CD's and bank money markets would probably be the best thing for you.  They're safe and insured.  You wont loose your principle.
11986
Be careful buying right now unless you are planning to live in the house for more than 8 years.  Interest rates are going up and there are estimates out showing a slowdown and even a reverse in housing prices for the next two years.  If you do buy, go with a fixed rate mortgage.
1130837
From my research, half of the brokers recommend buying, the other half recommend holding it.  Chances are it will go up, but probably not immediately.\n\nGood luck!
95304
As stated, it depends on your age and your tolerance for risk. Savings bonds are guaranteed by the US Government, but only return about 4-6% per year, depending on the bond type. There are very safe mutual funds that allow you to invest over time (like bonds), but that will return a better percentage than savings bonds, which are the most conservative. Even mature people should not be investing "large" amounts of money in savings bonds, because there is a holding period. If you take the money out too soon, you pay a penalty (lose interest). Plus the returns are not that great.\n\nLastly, expecting that savings bonds will create the money you WILL need in retirement is unrealistic. You need to fund a 401(k) where you work, buy some stocks and mutual funds, then you can add some bonds. Diversification is the secret.
663007
Yup, there wont be any time better than the earliest that you can think of.\nReal estate rates will be shooting up in next 2-3 years at least.\nIf you got bucks to buy then go for it.
198893
Read the book "The Intelligent Investor".  Summary is to buy stock and bond index funds with low rates.  The % of each depends on how risky the market is and your personal comfort with risk.
1174477
If interest rates are expected to go up, bonds will go down, so no bonds would be better than either short or long bonds. \n\nHaving said that, if you must establish a position, short-term bonds would be a better investment because they will mature sooner, at which time they will be redeemed for their face value. \n\nLong-term bonds, on the other hand, will fall in price and remain there until either rates decline once again or the bonds mature.
850760
ING is a sound and strong company. Your savings will be FDIC insured up to 100,000.  Now as to the question of should you put your life savings there.  No.  Not your entire life savings.  The roi will not be sufficient to keep you ahead of inflation after taxes.  Maybe 10 to 20% of you your life savings.  Invest the rest in investments that are likely to keep you ahead of inflation and taxes.  But diversify!
353633
No.  Gold is a good investment and considered a hedge against inflation.  Right now, gold, silver, oil, copper, and other precious metals are all hitting new multiyear highs.  Seems that demand has overtaken supply on the global scale.  Next couple of years look good for all the metals.  Then of course, corporate America and others like the Germans and Chinese will overbuild new mines and the world ecomony will slow its growth and prices will retreat again.  Its the old supply and demand story but to answer your question right now it looks like a good investment.
1154277
What you do depends a lot on what kind of person you are.  If you have a lot of self-control and self-discipline, take it all now and invest it, living off what it generates.  If it's a large enough amount, it can form the foundation for enough growth to keep you in comfort for the rest of your life if you invest propersly.  If it were me, that's what I'd do.\n\nIf, on the other hand, you're likely to spend it all as soon as you get it, take the sum over time, so you'll always have some money coming to you.  It's not a very good solution though.  Your annual payment in 50 years is going to seem a lot smaller than the one you'd get today.  Inflation would just eat away its buying power.
688950
the short answer is inflation . when inflation is high the fed will raise the interest rate to combat and try to slow down inflation .
785998
False.  Inflation decreases your purchasing power.  And it also decreases the value of your debt.
6576
Find a 12 month CD. If you can go without touching it for that while.. \n\nINGDirect and HSBC have 3.5-4% intrest savings accounts. May want to try those.\n\n* My opinion not intended as gospel for finacial risk, gains etc... Otherwise don't blame me if the market crashes or something esle happening.
363649
In the past year GNMA prices have come down.  I think the Fed is almost done raising rates.  I think that now would be a good time to add to your GNMA account.
165166
it would certainly not be recommended deal to wait for another 6 months to see the market going high, rather investing the money now and see it growing my friend!!