Bonds, and other confusing pieces of paper

avatar
About Charlie Park

Charlie lives with his wife and three daughters outside of San Francisco. He runs PearBudget, enjoys being outdoors, and really loves a good library.

When our daughter Lucy was born, her grandparents and a few friends of the family gave her savings bonds, to be used for college, or music lessons, or other Good Things. They were generous, to be sure, but they unintentionally gave us a bit of a burden along with their gift.

I mean, think about new parents — stumbling around in a sleepless haze, lucky if they can manage to put on pants right — who decides it’s a good idea to give them pieces of paper that SHOULD NOT BE LOST BECAUSE THEY ARE WORTH MONEY?

Recently, I was going through some old files — bills, insurance records, and other random documents. As I went through them, I saw a vaguely familiar manila folder, with thick red marker on it: IMPORTANT!!! DO NOT LOSE!!!

In a brief moment of sanity, I had apparently put bonds in a special envelope. Once that moment passed, though, I took a more typical course of action, and tossed the envelope in a stack of other papers. Brilliant.

So I’ve now unearthed these bonds, and I’m not really sure what to do with them. Do I have to mail them in somewhere? How do I trade them in to get money? And how much money can I get for them? Or do I have to wait for some specific date in the future before I can do anything with them? Agh. So many questions.

I was really tempted to just shove them back in the stack of papers and “deal with it later.” But I stuck with it, found out some neat stuff, and wanted to share it with you.

What Is A Bond?

Essentially, it’s an I.O.U. from the government. Sometimes companies issue bonds, but if you have “Yay, you had a baby” bonds in a drawer somewhere, they’re probably from the government. The person who bought the bond went to a bank, talked to a teller, and paid some amount (probably half the amount on the face of the bond). That money then went to the government, and helped to build a road or a school building or something.

Every month, the government adds a little bit of money to the value of the bond. And, eventually (like, 20 years after the bond is purchased), it’s worth the full face value.

What Do I Do With A Bond?

You lose it, of course.

No! I’m kidding. Kind of.

At whatever point you want, you cash it in (more on how to do that in a sec). And — good news — if you’ve actually lost the piece of paper, that’s not a problem.

There’s a website the government runs, TreasuryDirect.gov. If you have your bond, you can look up its present value. If you’ve lost your bond, you can look up your (or your child’s) Social Security Number on the site and see what bonds have been issued to you.

How to Turn Your Bond Into Actual Money

So, that website, TreasuryDirect.gov? You can create a profile and redeem your bonds right on that site. You can also just take the bond (again, if you haven’t lost it) in to your bank, and they can cash it for you.

When to Turn Your Bond Into Actual Money

People hem and haw on this question. I’ll make it easy: If you want to keep things simple (I do), I would go ahead and cash it in.

“But my child was given a bond! Won’t the giver be upset?” Ultimately, that’s up to you, but to me, bonds are a bit of a hassle, and despite our gratitude to the givers, the bonds are One More Thing I need to keep track of.

If you have a 529 (college savings account) for your child, deposit the money from the bond into that. (Ask in the comments if you’d like to know more about 529s.)

If the gift is to be used earlier than that — say, for music lessons, set up a “sinking fund” at ING Direct or another easy-to-use bank and keep the money there until you use it. (Nerd alert: ING’s savings accounts currently return 1%. Bonds bought in the last three years are returning 1.4% at most. So ING might be a good option for you.)

You can certainly hold on to the bond if you prefer. The likely reasons the giver gave you a bond as opposed to some other money gift were that:

A. It’s guaranteed to go up in value (where other kinds of investments can lose value), and
B. it’s a gift for The Future.

Well … If you have a savings account set up for The Future, their gift is doing its job. And while you do miss out on the guaranteed increase in value, you probably aren’t missing out on a ton of money, and you might even make more money by putting it into that 529. I’m happy to help run some calculations in the comments, for those of you who want to see actual numbers.

The bottom line: Bonds aren’t something you should be afraid of. They’re also not something that should add to the clutter in your life. If you have a good spot for them to chill, then great.

But if you have any hesitancy about what to do with them, or where to put them, I say visit TreasuryDirect.gov, see what the bonds are worth, and think about redeeming them. The amount of the bond, the date it matures, and the rate of interest it’s earning can all factor in to whether or not cashing it in makes sense. (And as Rebecca Willard notes in the comments below, you can always take them in to your bank and talk with someone there about the pros and cons of cashing in your bonds. That’s their job, and they’ll help you understand the best options for your particular situation.)

In the title of the post, I said there’d be “other confusing pieces of paper.” But I’ve reached my Boring Quotient of the day on bonds, and I want to hear what you are wondering about. What other confusing money papers do you have in your life? Let me know in the comments.

Join the Conversation

Comments

  1. I have a niece being born soon, and though I am already loading up on girly gifts, should we consider giving her a bond, too? Or is it really a drag?

    • avatar
      Charlie Park says:

      It’s not actually as bad as I made it out in the post … I’m sure that if you got your niece a bond, her parents would be grateful. What you might do is check with them, though, to see if they’ve set up a 529 for her already. (They’d be more organized than most parents, but it’s not unheard-of to have that set up.) If you contribute to the 529 (or a similar fund), that could make things simpler for them. At the same time, it might not feel as “special.”

      Of course, if there’s some passion you have that you want to specifically put the money towards — violin lessons, horseback-riding lessons, going to a certain summer camp, etc. — a bond can be a great way to give that gift. Like a more formal gift certificate.

      The best place to look into it more is the website I mentioned — TreasuryDirect.gov. You can find out more (and even buy the bonds there, if you go that route). Just make sure to point them here when their daughter’s a few years old, so they know what to do with the bond. :)

  2. This is lazy advice in my opinion! Buy a small fire proof box and put all your “don’t lose me” documents in it. Then let your children decide when and what they want to do with the bonds. Bonds may not be the “best” investment, but when given as a gift, they are the perfect size and colour! In our family, our grandparents gave us savings bonds every year for our birthday. When I graduated from university, I cashed in my bonds and went to Europe for 11 weeks with the money. One brother made a partial down payment on a house and the other brother still has his! It wasn’t tons of money, maybe $1500 dollars total, but at the time, it was more than enough. And it was mine! Our children receive bonds from both sets of grandparents for their birthdays and I am happy to file them away until they decide they are ready to dream big and make memories with these good and perfect gifts.

    • I have to say I think I agree. I received several bonds when I was born and a few others when I was young. They were put in a fireproof box in my parent’s house and I cashed them in to help pay for my wedding at age 20. Bonds are a great way to delay gratification. We have one sitting in our safe right now. It is worth it’s face value, but hasn’t reached it’s maximum maturity. So we call it our “roof repair/emergency fund.” It’s not easy to access so it keeps us from spending it on non-emergency things and since it hasn’t reached full maturity, we tend to want to wait then rather than waste the money now. If I had just been given cash as a child it would have been long spent by now. Instead we have a hedge against emergency for our family. No one has given my daughter any bonds yet, but if they did, I’d be happy to store them until she’s old enough to use them for something important. Cashing in a savings bond before it reaches it’s face value is just a waste, though depending on the interest rate, one could argue for cashing it in at face value rather than waiting for full maturity.

      • avatar
        Charlie Park says:

        That’s a good point, about keeping a bond as a “semi-frozen” asset for the roof repair or other large “not sure when in the future we’ll need this money, but we’ll want it available when we do” expense. As long as you have a good means of keeping track of the bond, I can see that being a really good use case. Thanks for sharing that!

  3. Hi Charlie,
    I think it’s great if your birthday gift is a bond. It has money value in it. And I will be happy if someone gives me one. :)

  4. I think give someone a bond is better than some gifts that he/she doesn’t need it

  5. This is one of the best post I found so far. The contents are very good and very informative.I subscribed to your RSS feed by the way!Thanks, this is really cool!

  6. My grandfather gave us bonds exclusively… for us to take a trip when we graduated from college. And they did allow me to live in Honduras for three months! My husband’s mom, though, misplaced some for my husband for thirty years! Imagine our surprise when thirty years later a few hundred bucks in savings bonds were worth thousands of dollars… woo hoo! So, I agree that they are just way to easy to lose! Much better to set up an account or something :)

  7. avatar
    Tracie T says:

    Thank you so much for this!!! We have a couple of bonds, one that is 20 yrs old along with my daughter. I never knew what to do with them, and felt so dumb for not knowing. I too had forgotten about them and discovered them in a manilla folder and couldn’t believe they survived the piles of paper and filing over the years.

  8. Im sorry…you lost me at the picture of Daniel Craig :P

  9. avatar
    jessica says:

    I think it’s a great way to ensure that the money will most likely go toward the child and not just used on some junk toy, diapers, groceries…etc. I know some parents are responsible(such as my husband and myself) and set up savings accounts and put in money that our girls receive as presents, but others just pocket the cash and call it a day!

  10. I have all of my son’s bonds sitting in an envelope on my desk (with other important papers) waiting to go into the safe deposit box. After my mother found 10K (face value but they were past that point) in bonds she had bought for my college in her papers a few years ago it’s good to know we can go online and see if there are any more that she’s forgotten about.

  11. Thanks for this! I have a bond from when I was born that somehow my dad kept up with until two years ago when he gave it to me to hold onto… as if I know what to do with it! I’m now 26, so I guess it’d be a good time to cash in! Thanks for the how-to.
    And I agree – one more thing to keep up with. Annoying. I have a 3-month-old, and I already lost her birth certificate. Why would the government (or anyone else) send me important documents like that to new sleep deprived parents? I did learn how to get a new birth certificate. Fun, fun.
    Thankfully we didn’t get any savings bonds for my daughter as gifts, just cash. So I have a post-it with the amount I need to put in a savings account for her… Glad I don’t have to decide what to do with bonds. I’d probably side with you, only because I’m afraid I’d lose them. I can’t even handle a birth certificate. And yes, I do have a fire-proof box.

  12. Oh one more thing. I had heard that savings bonds eventually exceed the value on the bond… is that not true?

    • avatar
      Charlie Park says:

      My understanding is that bonds continue to earn interest (at the same rate) beyond the initial “maturity date”, up to a point. For example, a 20-year bond would continue to earn interest up to year 30, but not beyond that. I can’t say for sure whether that’s a universal rule, or if that’s only the situation for the examples I turned up online, but it looks like you might be in luck!

  13. Thanks for the advice…we don’t have any bonds for anyone in my family, but should some come our way at some point, I will definitely keep this in mind.

  14. avatar
    Robin Heim says:

    NOTE: If you keep the bond past its maturity date, be prepared to pay taxes on the interest accrued AFTER it has matured. My father purchased bonds for me before he died in 1970. My stepmother kept them {long “wicked stepmother” story}. Anyway, when she died in 1999, her nephew located me and gave me the bonds. Their cash value was $70,000. Woo-hoo! Unfortunately, we ended up paying $30,000 back to the goverment in taxes because the value was not tax free and we were taxed on all the interest accrued since their maturity {about 20 + years worth}. So just keep that in mind –> it might be wiser to just cash them out when they actually mature.

  15. avatar
    Natalie says:

    another idea – how about all of the paperwork from our original mortgage now that we’ve refinanced about 3 times since then… for that matter, how about all of that subsequent paperwork?

    • avatar
      Charlie Park says:

      Great question. I’d love to hear others’ takes on this. We have a few cardboard “bankers boxes” (those collapsible cardboard file boxes) where we keep our old taxes and mortgage papers, but it’s not an ideal system.

      I found two articles that might be helpful, How Long Should You Keep Your Mortgage Documents? (at Quicken Loans) and OMG What Did I Sign? (at The Finance Buff; especially note the comments). In short: You want to keep everything related to the actual buying and selling of any property you’ve owned (meaning: proof that you actually own (or used to own) the property), and it’s a good idea to hang on to all of the various mortgage paperwork for your currently-owned property as well.

      In terms of how to file them, I’d suggest putting the documents in chronological order, so your most-recent paperwork is at the very front (or back) of the box. If you have multiple properties, I’d put each in its own section of the box, and then sort by date.

      Anybody else have thoughts / techniques for this?

  16. I have a small fireproof safe that I keep SS cards, birth certificates, etc in and I toss the savings bonds into it as well. My mom use to buy a bond for all the grandkids for cmas and bdays along with a gift that could be played with. As they got older, she started giving cash for their savings. I like the idea of going ahead and cashing the bonds and placing in a fund for that child (529 or other) even if you dont get the face value. This article came at a good time because our bonds are now about 20 years old (some a little older and some not yet 20) and I am looking into cashing them to help pay for college tuition and books for my older children. Trying as much as possible to get them thru college without loans. Yea Grandma for getting us thru another semester debt free with your gifts of savings bonds!!!!

  17. We’re about to have our first child, and I, for one, would love to hear more about 529s. Thanks!

  18. avatar
    Chrissa says:

    Thank you for this good information! I have bonds that my grandmother bought for me when I was young, and you answered many questions.

    A note on interest rates and cashing in your bonds: most bonds that are purchased now, it is true, have dismal interest rates like 1%. BUT- bonds from earlier could have much better rates. I have bonds from the 80′s and early 90′s that are getting between 3% and 4% – no money market account, CD or savings account that I could put the money in now could give my anywhere near that rate. So- definitely people should go type in the serial numbers to the website you mentioned and see the rates they are getting- (yes! the site tells you that too!), they might just want to keep those bonds where they are for now.

  19. avatar
    Chrissa says:

    Oh, and I’d love to hear about 529′s please!

  20. Very well-written and easy to understand! I have to admit, I got all excited and went to that website to see if I had any bonds that I just never knew about…nope!

    Jenna
    momofmanyhats.blogspot.com

  21. If you do cash them in then the interest earned may be subject to taxation so be sure and check…depends on type of bond and what you do with the money once the bonds are cashed…maybe a follow-up article would be a good idea:)

  22. Great explanation of what to do with your bond. I know my parents have some bonds which I do not think they know what to do with so I feel a bit more informed now, I will go and give them a bit of advice. Thanks again

  23. I would like 529 info as well!

  24. avatar
    Shannon Penick says:

    Well, my daughter has received several bonds electronically through Treasury Direct, which I think is great and super easy to keep track of. It does annoy me though that we have ONE paper bond now that I need to track separately.

    I would LOVE LOVE LOVE to see a post on 529s, specifically mentioning states that do not offer incentives. We live in CA, and I just cannot get my head around what the benefits of getting a 529 would be, which one to choose, how it all works. Generally, I’m pretty good with money, investments, tracking accounts, etc. but these 529s – I could really use a guidance post!

  25. I had a number of savings bonds given to me over the years. When they finally reached full maturity, I cashed them in and used them to help pay off my student loans.

  26. My understanding of bonds is that they are not necessarily the best way to set money aside for the future – particularly if they pay less than 3% (inflation rate). If the average stock can double in value in 7-10 years (per my conservative investment advisor), why would you buy a bond that will take 20 years to double in value? It seems that based on the going rate, it might be better for grandma and grandpa (or mom and dad) to deposit money directly into a 529 or other mutual fund.

    Thanks for the clear information. I wish I had been able to read this back when I first got married and was given 2 government bonds as a wedding gift. At the time, I had no idea what that meant.

  27. I don’t have any bonds, but I just wanted to thank you for the eye candy. ;)

  28. avatar
    Charlie Park says:

    Seems like there’s a lot of interest (wokka wokka) in a 529 post. I had been thinking I’d write something here in the comments, but maybe I’ll do a post-length article on them, so I can cover them more fully.

    If you have any specific questions you’d like me to look into regarding 529s, comment here and let me know!

    • avatar
      Meredith says:

      I’d love to know the benefits of using the 529 vs. an ESA…. what happens if a child doesn’t go to college, but maybe a technical school, or something along those lines.
      Love your posts!

  29. I have direct experience of losing bonds in a natural disaster. Our home was severely flooded in Hurricane Katrina. There was no hope of recovering any kind of paper document in the room they were located. There was (understandably) a lot to deal with after the hurricane so they were not a prime concern. When I finally did think about them, I realized that we didn’t know what social security they were put under because I’m pretty sure the people who gave them didn’t know Dylan’s. And I’ve been too embarrassed to ask. I may give the treasurydirect site a try. But they may have gone under the giver’s social (not the right thing to do, I know, but I think this is what they did).

    On the plus side, we didn’t lose all of my son’s bonds exactly because of the advice you gave. You can’t turn in a bond right away (which is why we had some) but as soon as you could cash it in (for about the cost they were originally purchased) we did so and put them in my son’s 529. The interest is so much better than a bond. I’d love an easy way for people to just contribute directly to the 529, rather than all this back and forthing with the bonds. Not to mention the potential loss. A fireproof box might’ve helped – if we were able to find it. In a tornado, I suspect that would be even harder.

  30. I agree with a few others that Savings Bonds are great gifts for kids and ideally kept until full maturity–of both the the bond and the child! Most of us keep up perfectly well with passports, birth certificates, marriage certificate and social security cards. Bonds should simply be kept with those items in a labeled envelope–no biggie. A safe deposit box, a fire proof box or even an “Important Documents” file all work well.
    When my mother helped me set up my first bank account as a teenager, she explained my bonds to me at the same time. It was part of an overall lesson on personal finances (why don’t they teach that in high school?). I was gievn the choice of either cashing my bonds and putting the money into my new account then or having her continue to hold them until maturity. I cashed some then and held others until my late 20′s. And when I did finannly cash my last bonds, at well over double their face value, it was at a time when I really needed the money, making them a truly precient gift!

  31. Thanks for the explanation. I have been wondering what to do with the monetary gifts my baby has received, and my mother-in-law suggested bonds, but I didn’t really know how they worked. I think an ING savings account might be the way to go.

  32. No bonds here, but I think they’d make a good gift.

    I get a lot of paper clutter on my desk, mostly mail that needs shredding, and school work the kids dump there for me to see. I’ve learned that any paper that doesn’t fit into one of those two categories had better be put someplace safe immediately.

  33. Your post reminds me that somewhere in middle school I think I received a something-or-other bond as a prize for a speech contest. I don’t think it had my name on it, and I didn’t find it through treasury direct. Any ideas where I might find out about it and what I could do with it? I think it’s probably about $75-$100 in value.

  34. My grandma purchased $2000 (face value) bonds for every grandkid when they were born. Except she never told anyone about them. Then on our wedding days she gave them to us. She was a very organized person and the bonds were in both her and the kid’s name. So if something had happened to her we would have gotten them. It was a nice surprise and since she took the responsibility of keeping them it made things easy. Lucky us they were getting interest 4.5%. We kept them as bonds for a while after receiving them until we used them to buy a newer car.

  35. I can’t think of another piece of paper I need help with… but we did find a coin collection in our attic when we moved in. Plus I have coins parents have saved for me, etc. I’d love to know how to find out their worth!

  36. 529 information is only my focus in this post.Thanks for your sharing

  37. When I got married, my mom sent all of my “important” papers to live at my new house. Included in the stack was a $50 bond that I cashed in for $30 or so. I didn’t have a great filing system at the time, and I figured that cash in hand was better than hoping I’d keep up with the bond for another 25 years.

    (I thought it was such a lame gift that I blogged about it. Here’s the full story: http://watsonsonline.wordpress.com/2006/07/13/show-me-the-money/)

  38. Hmmm I’ve never gotten or given a bond but I think it’s really bad advice to say cash it. I had a friend whose grandparents bought she and her siblings bonds every year, she kept them all and used them to put herself through college with no loans. The binds and working ft in the summers and being very very good with money. I don’t thing a 529 teaches your child anything. While I hope I can help my child with college I’d do it in a more personal and training way then here’s a fund. P,us if you don’t have a safe place for impt docs like your bir certificates, soc sec cards, passports,titles…that IS a problem. Get a box…a simple small box put them all in there. Label it impt box. It’s not that hard.

  39. My dad gave both of our boys savings bonds which we still have. The “boys” are now 30 and 33! :-) Thanks for a very timely post…I was wondering what to do with the bonds from my dad. (And yes, I know where they are.) I would appreciate some information on a #529 account… we’re thinking it might be a good option for our two year old granddaughter.

  40. avatar
    Luba V Nel says:

    Not sure you may use the images like this in your post?

  41. avatar
    Rebecca Willard says:

    I was able to complete my college education with no debt due in part to Savings Bonds purchased for me by relatives when I was a young child and therefore have a different perspective on their value. I’d strongly recommed discussing your options with an individual at your bank prior to making a decision on cashing in bonds you may have received.

    As far as 529 plans they vary from state to state, so be sure you are receiving information appropriate for the state in which you reside. Information and advice on investments of many types appear often in various articles and posts on-line but please be sure that you verify anything you read with certified financial professionals to make sure the decisions you make are well informed and appropriate for your specific situation.

    • avatar
      Charlie Park says:

      Yes. To echo what you said: Absolutely, everyone should look into the specifics of the bonds or other accounts she holds, and make the decision that is best for her and her family. And talking to someone at your bank before making a decision is a great point as well.

  42. Hi Charlie,

    Very Nice expression of your views, Thanks for sharing such a wonderful article.

  43. We’re about to have our first child, and I, for one, would love to hear more about 529s. Thanks!

  44. Great article…thanks for making something so complicated so easy! Question though….will the purchasers be alerted if you cash in the bond? My son has some from someone who is very traditional and I don’t want to “rock the boat” by cashing them in and transferring the funds to his savings account.

  45. Wow! Thank you! I always wanted to write in my site something like that. Can I take part of your post to my blog? I enjoyed reading it. I need to read more on this topic…I admiring time and effort you put in your blog, because it is obviously one great place where I can find lot of useful info..Keep it up:)

  46. Would all Bonds be able to be looked up on that sight? My husband’s grandmother said she buys Bonds for our kids every year, but she never gives us the info. She did this for her grandchildren and my husband got them when he started college so we hade no reason to doubt her. I just looked up the SSN of both my kids on that sight and there is no match…so that means there are no Bonds in their names? I’m a bit mad about this!
    I am interested in 529 info as well- is this the best way to save for college?

    • avatar
      Charlie Park says:

      We’ll write up more on the 529s in a little bit … there’s more to them than we can properly cover in these comments, and “the best way” depends on a couple of factors. Hopefully we’ll go over them before long.

      Regarding that website, it’s for government-backed bonds. There are also “corporate bonds” — similar to what I laid out in the piece, but backed by large companies. It’s quite possible that your grandmother-in-law has a company that she’s always bought stocks and bonds from (maybe the company where her husband worked, or something similar?), and has continued on with that. So don’t get upset with her … there’s probably some rational explanation. :)

      I would encourage you to have a conversation with her, though, to make sure they’re outlined in her will, so they don’t get lost, and their ownership is clear. (I know that’s an awkward conversation to initiate.)

  47. Love, love, love the pics in this post ;) I look forward to more info on 529′s. My confusing paperwork has to do with an IRA account at my bank. I opened it when I needed to roll over some money from previous employers (I guess these were 401K’s???) I am a stay-at-home mom now and will not be adding to that account (probably ever again) and don’t know if I should just pull the money out now (and pay the taxes/fees) or if it’s worth it to let it sit there (and hopefully grow some) and pay the annual fee. I know this is very vague since I haven’t given you any numbers, but I have maybe $5000 total, in various mutual funds. In hindsight, I don’t feel like the bank employee had my best interest at heart when he advised me on what to do w/the money and so I am hesitant as far as who I can ask for advice that will tell me what’s actually best for me, and not have other interests, such as how much commission they can make.

    • avatar
      Charlie Park says:

      I’m wary about making a recommendation one way or the other, as I don’t know the specifics of your situation. What I will say, though, is that I was in the same position last year, where I had a traditional IRA from a previous job (also: set up by someone who I don’t think had my best interest in mind, as they would have set me up with a Roth), and I also had a Roth IRA (that I had set up on my own, later on).

      What I did was I rolled the traditional IRA into the Roth IRA, which meant that I paid the taxes (at my 2010 tax rate), and then added what was left over to the funds I already had in my Roth IRA. This left me with one less account to track.

      Briefly, a Roth IRA is a retirement account that’s made up of after-tax money. Meaning: You’ve already paid taxes on the money, and you won’t have to pay taxes on the interest that accumulates over time. (With a normal IRA, it’s “pre-tax”, so you’d have to pay the taxes when you withdraw the funds.)

      I’m a big fan of socking money away in a retirement account and letting it sit there for a long, long time. The longer the better. What I’d do if I were you would be to look into Roth IRAs, and to think about whether it’d be better for you to roll your IRA over to a Roth now (and pay the taxes now, but not later on), or whether it’d be better to leave them in the traditional retirement account. I can’t recommend that you go with the Roth (since I don’t know all your details), but I suspect it could be a good option for you.

      A quick overview on Roth IRAs is the free e-book, The Get Rich Slowly Guide to Roth IRAs. That link is a PDF that’ll download to your computer. If you want more info without downloading the PDF, you can read the backstory on it here.

      If you’re looking for a company to hold your retirement account (that is, not your bank), I’ve heard good things about Fidelity, and I use (and like [a lot]) Vanguard. If you decide to roll your IRA over to either of those companies (or someone else), call them up, and their agents can help you with the process of moving the IRA from your bank over to them.

  48. Nice pictures, thank you for sharing this post!

  49. Love your post, thank you for sharing it!

Speak Your Mind

*