There are many investment vehicles available to help individuals save and invest for the future, but not all those investments are equally valuable.  Stocks and stock mutual funds can be great investments, but they can be risky as well.  Most financial experts recommend investing in a combination of stocks, bonds and fixed income investments, since this type of strategy can spread the risk and enhance the rate of return. 

Investors should also consider investing at least a portion of their nest egg in the safest investments of all.  Bonds issued by the U.S. government are safe and secure, providing real peace of mind to investors who worry about the risky nature of other investments.  Buying investments like savings bonds can be a great way to preserve capital while building for the future.  Just consider some of the many advantages of investing in U.S. savings bonds.

• Savings bonds are affordable.  With denominations as low as $50 it is easy to get started with these investments. . While many mutual funds require investors to come up with $3,000 or more, savings bonds investors are free to start small and ramp up their savings over time.
• Savings bonds are good for large investors as well.  The denominations of savings bonds go as high as $5,000, making them a perfect choice for large investors as well as newcomers.  Many investors like the safety and stability of savings bonds so much that they put a large portion of their nest egg into these bonds.
• Savings bonds are safe.  With the full faith, credit and backing of the U.S. government standing behind them, savings bonds represent the quintessential safe investment.  Individuals in search of a safe haven should definitely take a look at savings bonds.
• Savings bonds provide a competitive rate of return.  The interest rate paid on savings bonds is adjusted twice a year in May and November, and these government bonds can provide a very good interest rate along with rock solid safety and stability.
• Savings bonds are easy to buy.  Investors can buy savings bonds from many banks, savings and loans, credit unions and brokerages, as well as directly from the government.  Savings bonds can be purchased from a variety of sources, making it easy to invest consistently and build up a substantial nest egg over time.



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