Bond Buys

As interest rates dive to 3% or so on CDs and money market accounts, the tax-deferred "guaranteed minimum 6%" on Uncle Sam's EE savings bonds looks hugely attractive. But keep in mind that bonds must be held at least five years to earn that return. You can't redeem them in less than six months. Then they pay about 4.3% after one year, 4.6% after two, 5% after three, and 5.5% after four. You can invest up to $15,000 a year.