Bills how long to keep

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Gates Grantees Will Retain Copyright. Investing in government securities is a simple process that you can undertake through the Central Bank directly or through a commercial bank or an investment bank. This means that if you invest money in a Treasury bill, you will receive that money back within three months, six months or one year, depending on the bill you choose.

Investors make money on Treasury bills because they are sold at a discount. Treasury bonds are medium- to long-term investments, and their maturity can range from one year to 30 years. There are many different types of Treasury bonds, but their basic operations are similar. With most bonds, investors will receive interest payments every six months throughout that period of time, and at the end of that period they receive the face value amount that they invested.

Who can Invest While commercial banks, corporate entities and pension schemes are some of the largest investors in government securities, individuals can invest directly through the Central Bank. Kenyans and foreign investors who meet these qualifications are free to invest in government securities directly with the Central Bank.

Those who do not wish to open a CDS account with the Central Bank can still invest by opening a client account with their commercial bank, which will invest on their behalf.

However, while opening a CDS account is free, commercial banks typically have fees associated with client accounts. Kenyans living abroad can invest in government securities as long as they have an active Kenyan bank account. How long to keep: One to three years. Keep receipts for medical expenses for one year, as your insurance company may request proof of a doctor visit or other verification of medical claims. As of Jan. How long to keep: Up to 12 months. Keep paycheck stubs until the end of the year, and discard them after comparing to your W-2 and annual Social Security statements.

How long to keep: One year. How long to keep: Up to three years. If you need them for tax deductions, keep for three years. These records help track your cost basis and the taxes you owe when you sell stocks or properties. Once you receive the annual summaries, you can shred your monthly statements.

If your bank provides online statements, you can switch to receiving your bank documents online and cut down on paper. How long to keep: Seven years. Just in case a bank or processing error shows up down the line that you might not be in the clear, make sure to hang onto any records of loans — this includes student loans, car loans, etc.

Open a CDS Account. It is free to open these accounts, which are how the Central Bank keeps track of who holds which government securities. To open a CDS account, you need to hold a bank account with a Kenyan commercial bank. You can collect a mandate card from the Central Bank or any of its branches, and must fill it out in neat block letters.

You can find sample mandate cards HERE. When submitting your mandate card, you also need to submit a passport-sized photograph of yourself, which has to be certified and stamped by a representative from your commercial bank. Note that the copies will be retained by CBK. For foreigners a valid work permit should be included. Decide How You Want to Invest. Treasury bonds are offered for a set amount of years, ranging, to date, from one to When you are ready to invest, you should begin monitoring the upcoming bond prospectuses, found HERE , to find the right opportunity for you.

The coupon rate refers to the interest payments you will receive each six months. They can either be determined in the prospectus, which is typical for longer tenors, or be market determined.

You will also find information in the prospectus about when investors will receive interest payments and the final redemption payment, as well as how much taxation the returns are subject to.