

Human:储蓄债券是如何工作的?

Assistant:人类这里是一个段落描述一些细节。

A U.S. savings bond is a fixed-interest security issued by the U.S. government.   Bonds come in two varieties:对于3至17岁的儿童,发行了EE系列债券(尽管I系列债券可以发行给17岁及以上的任何人)。

These bonds were originally intended to be savings tools for young people, but most Series EE bonds purchased now are held by adults (universities and large corporations have also become major purchasers).  The U.S. government sells Series EE bonds directly to the public through banks, but some are sold to investment companies who resell them to the public.  :

These bonds work like most other securities, except they have two key features:

-Bonds earn interest for the term of the bond.  Interest is a fixed percentage of the principal, set at the time of issuance.  They pay out the interest when you redeem the bond, the way you would with a CD or bank savings account.  :

-When you redeem your:

Human:因此,这是一个安全的方式来投资在很长一段时间。

Assistant:
 是的,它们是赚取储蓄免税利息的少数方法之一。 有几种其他类似税收待遇的投资(长期市政债券,生命保险等),但我不知道这些是否适用于儿童。 然而,主要原因是他们对儿童特别好,因为他们在债券的期限内赚取利息,但可以被赎回,当孩子“年龄”时(EE系列债券确实有实际的到期日期,但它们仍然可以被赎回之前,处罚)。
 是的,它们是赚取储蓄免税利息的少数方法之一。 有几种其他类似税收待遇的投资(长期市政债券,生命保险等),但我不知道这些是否适用于儿童。 然而,主要原因是他们对儿童特别好,因为他们在债券的期限内赚取利息,但可以被赎回,当孩子“年龄”时(EE系列债券确实有实际的到期日期,但它们仍然可以被赎回之前,处罚)。
 人类:正确的,如果你持有20年的储蓄债券,它将在期限结束时获得其利息的20%的利息。但是,请注意,这仍然低于美国储蓄账户的市场平均水平,并且您不受债券价值的损失的保护。