COMPARISON RATE SHEET
May 17, 2007
In today’s financial market individuals have many options on where to invest their
capital. With each option comes many variables, from low risk to high yield, and there
seems to be a program for just about everyone. Retirement, savings, college
education, second home; these are just some of the reasons individuals look to have
their money work harder. Here is a look at some of today’s most popular programs
compared to the Heaven Investment’s Planned Income Program.
Investment Program Comparison Sheet
Program
Rate
Term
Notes
U.S. Treasury Bond
4.35%
30 Years
1
Bank of America High-yield CD
4.90
8 months
2
Citibank e-Savings Account
4.75
ongoing
3
Heaven Investment’s Planned Income Gold
13.24
APY
12 months
4
1 The price and interest rate of a bond are determined at auction. The price may be greater than, less than, or equal to
the bond's par amount (or face value).The price of a fixed rate security depends on its yield to maturity and the interest
rate. If the yield to maturity (YTM) is greater than the interest rate, the price will be less than par value; if the YTM is equal
to the interest rate, the price will be equal to par; if the YTM is less than the interest rate, the price will be greater than
par.
2 The Annual Percentage Yield (APY) is accurate as of 02/26/07. This is a promotional rate that applies only to new
Certificates of Deposit (CDs) with an 8-month term opened online through bankofamerica.com. This promotional rate
applies only to the initial CD term. Upon renewal of the CD, Bank of America’s then standard rate for standard CDs with
that amount and term apply. Bank of America may change this promotional rate at any time without prior notice. The
minimum balance required to open a High Yield CD is $5,000. Bank of America may limit the amount you may invest in
one or more High Yield CDs to a total of $500,000. Al