Not necessarily. When figuring out what bonds to cash when, you can’t go just by date. Older bonds are not by definition worse than newer bonds. Some of them still earn a 4% guaranteed minimum rate.

In addition, series E bonds issued before December 1965 have a 40-year maturity period, but starting in December 1965 E bonds began to be issued with 30-year maturities. (All series EE bonds and I bonds mature in 30 years.) A lot of bonds holders lose sight of that (and the government doesn’t send statements) so they accidentally cash in bonds that are still earning interest and hold on to ones that aren’t.

When you want to redeem bonds, start with any that have stopped earning interest.

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Yes. Interest is added to savings bonds at specific intervals. If you redeem your bond before the interest is posted, you lose it. For example, if interest is posted in, say, April and October, redeeming bonds in September instead of October would cost you six months’ worth of interest. To see when interest is added to your bonds, use these tables.

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