The worth of Savings Bonds will be low compared to the bank's fixed deposit and other attractive investment options. The savings bond return is low but the risk is also low and cannot be compared with mutual fund and stock market investments where the return exceeds way far than banks' fixed deposits and Savings Bonds that are of low yield but at the other end the investments in stock market and mutual funds are on the riskier side compared to my Savings Bond worth and even the investments and savings of the investors can become zero or even less in stock market investments. The worth of Savings Bonds here is of high value where the return is assured and the interest rate pre determined. The actual worth of the Savings Bonds is reflected here and normally the return will be according to interest rate fixed by the government or the companies issuing the Savings Bonds. The real interest rate is the actual worth of the Savings Bonds which is calculated by subtracting the interest rate offered by the government or companies with that of the inflation rate.

So just how much is my savings bond worth?  These is the actual worth of the investments in Savings Bonds and as an illustration, consider the interest rate offered by the Savings Bonds is about 8 percent and the inflation rate is 7 percent, then the real worth or the return or the Savings Bonds yield is only 1 percent which is very low but the inflation rate keeps on fluctuating and sometimes the rate may go down as low as 1 percent or may rise to 15%. At the time of the maturity of the Savings Bonds, if the inflation rate is low, then the investor will be grateful but at the same time if at the time of maturity, the inflation rate is higher than the interest rate then actually the investor will be losing money as a result of investment in Savings Bonds. These are the vital elements to be watched while making investments in the Savings Bonds and the calculation of the Savings Bonds worth must be calculated in this manner to get the actual worth of the Savings Bonds. Hence investors must carefully analyze the economic situation and predict the economic situation during the maturity of the Savings Bonds and then invest in the Savings Bonds to get a better yield. The often said fact about the Savings Bonds is that the actual worth of these Savings Bonds are on the lower side.