Re: Savings Bonds
My parents used savings bonds to pay for a portion of my education as well as my brother. In my opinion, savings bonds are not the greatest means of accumulating wealth. That's not to say a diversified asset allocation is a bad thing, but I certainly would not rely on this as a primary means of investment.
To answer your question about locking in the rate, it is much like any other investment. Timing is everything. You might lock in at a rate and discover the rate advances another percentage point.
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