My grandmother bought me some savings bonds about 20 years ago. Grand total worth is a little over $1000 right now, and they don't mature for another 5+ years. Interest rate is 4.00% on all of them. I can cash them out without penalty (taxes though?), and I'm thinking of investing them into my IRA as it has been accruing at a rate much greater than 4.00%. I realize it's a little more risky to decrease the diversification of my assets, but holding onto bonds worth a measly $1000 at a interest rate barely above inflation seems silly to me. Am I missing something?