The financial crisis has worried many investors about the safety of their investments. One reader asks "We have some savings bonds paying between 4% to 10% should we cash them in, before they become worthless?" First, any reader should talk to a financial planner before making a decision about their personal finances, as no columnist can possibly know what is best for you. However, savings bonds are generally considered a safe investment. And, few other investments today will pay between 4-10% return.
The financial crisis has worried many investors about the safety of their investments. One reader asks "We have some savings bonds paying between 4% to 10% should we cash them in, before they become worthless?" First, any reader should talk to a financial planner before making a decision about their personal finances, as no columnist can possibly know what is best for you. However, savings bonds are generally considered a safe investment. And, few other investments today will pay between 4-10% return.
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why do people like you make such stupid statements??????
can’t make more than 4 to 10 percent on your mondy today? bull chips. i invested in ford, rite-aid, gannet and owens corning in march and have at least doubled my money in that period of time.
incidentally, i have lost more money listening to people like you than i care to remember, which is why i do my own research now.
The Dow hit its low of 6,544 in March. It has risen 40% since then. Everyone’s stock portfolio has increased since then. For more info, see
Stock Market History.
The asked about safe investments. Investing in the stock market is not as safe as savings bonds.
Kimberly
I don’t profess to know everything about all topics of investing… so my question to contemplate in making any investment decisions is “does it counter-act the decline of the Dollar?” As with any investment these days, that is my main concern.
In my search, I have found that only gold truly counter-acts the decline of the U.S. Dollar. Since the Euro was established, although it is only back by gold 15%, it has by far outperformed the U.S. Dollar and, since the U.S. Dollar is not backed by gold, it has lost it’s value and continues to lose its value. So far, the only investment I have found to truly counter-act the fall of the Dollar is by literally backing yourself with gold.
To be specific, U.S., investment-grade gold and silver coins, so it’s not just bullion, which value is derived by way of its weight, but also the collector’s or “rarity” value. In other words, gold bullion’s value is based on it’s weight alone, whereas an investment-grade gold / silver coin’s value would also be from their rarity value, in addition to their actual weight in gold and silver.
Lastly, the primary reason to look at coins as an investment, at least for me, is their privacy level, because no one has to know that you have them. They are not reportable, as most other investments. I am a client of and highly recommend Gold Run Investments for their expert advice as well as the best pricing structure. They have educated me to the point where I believe I have a good understanding now in the difference of several different types of gold investments.
For more information, go to GoldRunInvestments.com. Don’t ask for me, because I am not a part of their company, I am just a very happy client and will continue to invest with them because they have the lowest prices that I have found, after contacting several of the firms, and the savings has gone right back into my investment portfolio for a higher return on my investment, which is why I tell everyone I know.
If you have questions, talk to their experts. They will explain everything without making you feel ignorant. It was a process for me since I used to invest in gold stocks, but then again, learning how to invest in stocks was a process for me, too. Best of luck to you in protecting yourselves and your family.
Correction, to Chuck Yuan’s post above. It’s Gold Run Investments (.net) not “.com”.
For small businesses, their expert Bill Alexander, tax attorney and retirement advisor, can save a ton of money on their taxes. From corporations to small businesses, who own hundreds of thousands of dollars in taxes per year, if you place those dollars into a pension backed by precious metals, then you will not have to pay that amount in taxes.
For example, if you (or your business) is exposed to $125,000 in taxes and you place $100,000 into a pension with gold coins, then your tax obligations shrinks to $25,000. Not bad for saving money on taxes.
With this scenario, you win in two ways. First, you don’t have to pay that money to the government. Second, you will profit on your gold coin investment.
The last thing that I’d like to point out is this: While gold is always a good idea, all gold is not going to perform the same. It’s like real estate. You could buy a $100k property inland next to a freeway, or you could buy $150k property on or near the ocean. The $150k property will cost you more, but it is a much better buy because of the growth that it will provide in the future.
With coins, it’s very much the same as with real estate. Bullion coins are reportable, and only worth its weight in gold. Investment grade coins are non-reportable, technically a “privately held asset”, and are valued in two ways, their weight as well as their antique or rarity value. While they may cost 50% more, they will provide you with three to four times more growth than just plain gold.
With all that said, in the end, you have a private asset that will provide more growth and save you from having to pay taxes. It’s a win-win situation.