Save With Safety! Describe the benefits and tradeoffs of different saving options!! Discuss government bonds and some reasons for investing in them!!
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1 Save With Safety! Describe the benefits and tradeoffs of different saving options!! Discuss government bonds and some reasons for investing in them!!
2 Savings Options! Banks offer a variety of safe ways to save money and earn interest! Certificates of Deposit! Money Market Accounts!
3 Certificate of Deposit! Banks can t earn as much from shortterm investments as from longer-term investments so they pay lower interest rates.! Banks will pay a higher interest rate on savings/investments they know they will have for a longer period of time.!
4 Certificate of Deposit (cont)! A Certificate of Deposit is a deposit in a savings institution that pays a fixed interest rate for a specified period of time! Interest Rates--in exchange for a commitment to leave your money in the bank for a specified period of time they bank will pay a higher interest rate!
5 Certificate of Deposit (cont)! Good! You are guaranteed this rate for the term of the CD! If interest rates go down, your rate stays high! Bad! If interest rates go up, your rate stays low! You can t access money during term!
6 Certificate of Deposit (cont)! Minimum Deposit! CD s require a minimum deposit! Generally $500 - thousands of $$! The larger the minimum deposit, the higher the interest rate! Penalty for Early Withdrawal! If you must withdraw before due date, you will be assessed a penalty!
7 Certificate of Deposit (cont)! Safety! Most CD s are insured by FDIC (or other organization)! They are as safe as regular savings!
8 Money Market Account! A money market account is a deposit for which the interest rate changes over time! Bank uses money for short term investments! Rate varies as the economy changes!
9 Money Market Account (cont)! Interest Rates! General MMA s pay higher rates than regular savings accounts! MMA s generally pay lower interest rates than CD s! Interest Rates! MMA s usually requre a minimum deposit of $1000-$5000!
10 Money Market Account (cont)! Flexibility! Major benefit of MMA is that you may withdraw your money at any time without penalty! Safety! Insured by FDIC in most banks!
11 Annual Percentage Yield! Annual Percentage Yield (APY) is the actual interest rate an account pays per year! Allows you to compare account options easily! All banks required to figure rate in same way! Truth in Savings Act in 1993!
12 Government Bonds! A bond is a written promise to pay a debt by a specified date.! Bonds can be issued by government or businesses borrowing money! Gov t pays amount plus interest! Issued for a specified term! Term can be six months to thirty years! SAFE--will be paid as long as US is a nation!
13 Treasury Securities! US Treasury securities are usually sold in amounts of $5000 or more! Safe! Pay higher interest rates than CD s!
14 Treasury Securities (cont)! Treasury Bills-terms of less than one year! Treasury Notes-terms from one to ten years! Treasury Bonds-terms more than ten years!
15 Savings Bonds! Savings bonds are US government bonds issued for amounts of $50 - $10,000.!! Can buy from commercial bank, savings & loan, credit union, or post office!
16 Series EE Savings Bonds! Series EE bonds are available in amounts from $50-$10,000.! Amount printed on bond is Face Value! You pay half of face value when purchased! Reaches face value over time!
17 Series EE Savings Bonds (cont)! You must own EE bonds for at least six months! The longer you own it, the more it will grow in value! Savings bonds can t be sold but can be cashed in at any bank.!
18 Series HH Bonds! Available in amounts $500-$10,000.! You cannot buy them with cash! You get them by trading in EE bonds! Acquired for full amount of face value! Interest rate is fixed! Interest is sent electronically to your account!
19 Why Buy Government Bonds?! Payment is guaranteed by the federal government! You do not have to pay state or local income taxes on the interest! No federal interest on EE bonds until cashed! Easy to trade bonds for cash!
20 Review! Complete Concept Review (handout)!
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