Page 10 - Jupiter Ocean Mile - February '24

Page 10, Jupiter Ocean Mile
Financial Focus ®

Treasury Bonds: Still Safe For In any case, if you haven’t invested in Treasury securities, Protected Securities (TIPS). Unlike other Treasury
securities, in which the principal is fixed, the principal
you’ll want to know the basics. First of all, when you purchase
Investors a Treasury security, you’re lending money to the federal of a TIPS can move up or down, based on movements in
government for a specific period of time. the Consumer Price Index for Urban Consumers (CPI-U).
By Sally Sima Stahl Here are your purchase options: Once your TIPS matures, if the principal is higher than
You may have read • Treasury bill – Typically matures in four, 13 or 26 weeks, the original amount, you’ll get the increased amount; if
reports about an impending although some have maturities of up to a year the principal is equal to or less than the original amount,
“debt crisis” in the United • Treasury note – Matures in between one and 10 years you’ll get the original amount. TIPS pay a fixed interest
States. Should you be • Treasury bond – Typically matures in 10 to 30 years rate semiannually until maturity, but because interest is
worried about investing in When you buy Treasury notes or bonds, you receive paid on the adjusted principal, the amount of your interest
Treasury securities? semiannual interest payments, but when you purchase a payments can vary. As with other Treasury securities, you
Part of the concern Treasury bill – a T-bill – you generally buy it at a discount, can hold a TIPS until maturity or sell it before it matures.
over debt has been driven and when the bill matures, you receive its face value. So, for Don’t let scary or gloomy predictions discourage you from
by the cost of government instance, you might pay $4,700 for a 13-week T-bill and get considering Treasuries – they remain a good option as part
borrowing, which has risen $5,000 back at the end of the three months. of the fixed-income portion of your investment portfolio.
because of higher interest When investing in Treasury securities, you’ll want to keep This article was written by Edward Jones for use by
rates. But it’s worth noting that while interest expenses have these features in mind: your local Edward Jones Financial Advisor, Edward Jones,
risen to nearly 2 percent of gross domestic product (GDP), • Price fluctuation – While your interest payments will Member SIPC.
this measure had exceeded 3 percent in the early 1990s. always remain the same, the market value of your Treasury Edward Jones is a licensed insurance producer in
So, while the upward trend of federal debt could prove security can change. So, you might not get face value for a all states and Washington, D.C., through Edward D.
problematic down the road, the claims of a current crisis may Treasury bond if you sell it before it matures, particularly Jones & Co., L.P., and in California, New Mexico and
be overblown. And Treasury securities are still considered if market interest rates are higher than the rate you’ve been Massachusetts through Edward Jones Insurance Agency
among the safest investments in the world, as they are secured receiving. Because longer-term bonds have more payments of California, L.L.C.; Edward Jones Insurance Agency of
by the full faith and credit – that is, the ability to borrow and left to make than shorter-term ones, they are more sensitive New Mexico, L.L.C.; and Edward Jones Insurance Agency
tax – of the United States. to interest rate changes and market price fluctuations. of Massachusetts, L.L.C.
• Taxes – Interest income from Treasury securities is Edward Jones, its employees and financial advisors
cannot provide tax advice. You should consult your
subject to federal income tax but exempt from state and
Jupiter Senior local taxes. qualified tax advisor regarding your situation.
Contact us at (561) 748-7600, Sally Sima Stahl, AAMS,
In addition to the traditional Treasury bonds, bills and
Softball notes, another option is available: Treasury Inflation- 1851 W. Indiantown Road, Ste. 106, Jupiter, FL 33458.
“Service is our number one priority”

The Jupiter Senior 561-743-0070
Softball Association’s
2024 Winter League, www.palmspoolservices.com
featuring a record 15
teams competing in three
divisions, began Jan. 8
and runs through the end
of March.
A total of 187 players
turned out for the league,
which is the cornerstone
of the year-round slow-
pitch softball program.
There are six games every Commissioner Paul Storch
Monday, Wednesday and
Friday morning at Maplewood Park. Persons 55 and older
are eligible to join and there is no upper age limit.
As the competition began, League Commissioner Expires 3/15/24.
Paul Storch said, “Everybody is looking forward to
having a fantastic time over the next approximately State Licensed & Insured
three months. We have more players than we’ve ever Serving Palm Beach County CPC # 1457468 • LPG#30099
had.” And more continue to sign up, he said.
The league’s three-division format allows games
for more competitive players as well as those desiring
a more relaxed style of play. After the winter league
ends pickup games are held the remainder of the year.
The senior softball program is sponsored by
the nonprofit Jupiter Senior Softball Association
in cooperation with the Town of Jupiter’s Parks &
Recreation Department.
For more information about the softball program,
including sponsorship, or to register, contact Gary Newman
at (917) 623-0791, or go to www.leaguelineup.com/jssa.

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