You can purchase bonds on a regular schedule you set yourself through automatic debits from your checking or savings account. You need to purchase at least two a year, either Series EE or I Bonds. Purchasing Pointers Series EE Bonds sell for half their face value. If not redeemed, bonds will continue to earn interest and can be held for up to 30 years. It would accrue interest monthly to full face value over time.
Bonds offer liquidity.
You can cash in your bond six months after the purchase date for the amount accrued to that date. Interest on Savings Bonds is free from state and local taxes. Federal income tax on Savings Bonds is deferred until you redeem the bonds. Series HH Savings Bonds Unlike Series EE Bonds, HH Bonds are issued at face value and have that same value when cashed in. You can convert Series EE Bonds you buy during your working years to Series HH Bonds.