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How do bonds. I want to know how to calculate the amount of money you get from them in 20 years?
I have about $ $ 1,500 in I bonds. How I can know what the return is in them in 20 years. What else should I invest in. I am a single 42 year old RN with my children of one's existence. I have a 403B through my employer with about $ 40,000 in it and I earn about $ 60, 000 per year. I contribute $ 300 per month credit union savings account, and I'm not sure what the balance is that, probably no more than $ 1,200. I would like to make some investments in some part, but not sure where to go from here. My house is paid. It is a dump, but it is mine.
You have a couple of great answers already. I wanted to tell you a little more about the bonds of self. The bond interest rate is composed of two types. A fixed interest rate that is set when you buy your bond and that changes in the rate every six months. But once you buy your bond rate is fixed for you until you redeem your bonds. For me to know what rate is the bonus that would have to know when you bought it or them. The rate was set to 1.40% in May 2006 and return at 1.40% in November 2006. The higher the rate has been was 3.60% in May 2000. The lowest was 1.00% in May 2004 and on several other occasions, too. Moreover, the fixed rate is also a inflation rate added to the interest rate is reset every six months. The current inflation rate is 1.55%. It was created in November and will be reset again May 2007. As one of his reply mentioned, it is absolutely impossible to know how much interest you will earn 20 bonus on I you. Now let's talk turkey investment. U.S. government bonds investements are not large except for Treasuries. If you bought your bond in 2004, fixed interest rate is 1.00%. A From that time the adjustment to inflation has varied from 1.19% to 2.85% giving an average yield of approximately 2.50%. That performance is lamentable. One respondents mention their investment funds. I totally agree with him. Take two index funds. One based on the S & P 500 – SPY and one based on the Russell 2000 – IWM, a large-cap fund and a small cap fund. During the same period of 2004 to the present. SPY IWM has given has given 11.35% 14.34% over a long period of time, equities have historically produced about 10% annually. CDs and debt instruments, including the U.S. government bonds have been about 4%. Now capital investments have a very large variation in yields. In one year performance can very from -30% to +40% and has varied in the same quantity. In 2002, IWM had a -20.34% return. In 2003 it had a yield of 47.57%. SPY in 2002 had a -21.54% return in 2003 had a 28.13% yield. Negative income scare many investors to death. But in the long term as the economy grows, disappear and become positive income.
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