<prompt> Human: My parents recently found a nice stack of 50 savings bonds my grandparents bought for me when I was a child. The first one doesnt hit full maturity till 2018. My question is should I leave them be and cash in as they mature or cash in now and put it into something like a CD?  <response>: Unless you need cash _right now_ pretend you dont have them. Just let em sit until theyre no longer earning interest. Right now, interest rates are so amazingly low, its not worth trying to convert them to a savings account CD etc. You may want to start thinking about CDs in 2018, though. 