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By investing in Bonds I get to Make Passive income Every Single month. In this video, I’m going to break down 3 reasons why I still have bonds and I buy them every month
Now before I go into details:
1. IF you’re young below 40 or so, and you have 80% bonds and 20% stocks then obviously your cheating yourself.
2. And I’ll tell you at the end of this video what my ration is.
– Whenever stocks go down usually bonds tend to go up
– So basically if the stock market is going down and stock portfolio is losing money
– Well having bonds, basically helps maintain your portfolio value
Here is Why:
– Bonds are safer investor than stocks
– But because its less risky they also have a lower return
– So when the stock market is doing well investor don’t really invest into bonds
– But if the stock market crash everyone goes to bonds, thus it helps the bonds maintain value and also rise a little.
Tip: however theirs a lot more that affect the bonds market like interest rates, but that’s not another video for another day.
2. Fixed Income
– So a bond is kinda like a loan that you make to a corporation or a government
– They use the money to pay the debt, buy real estate or buy equipment
– And they also pay you the investor interest.
So for example:
– If you buy $1000 worth of a bond that pays 3% per year and its short term bond of 3 years
– You can get paid every 6 months or sometimes every year
– And once the bond matures ( the 3 years past) , you get your money back.
– Just like credit cards and mortgages
– You have great bonds ( AAA), good bonds (BBB) and then junk bonds
– The riskier it is, usually the more money you get, but also the higher the risk.
Tip: the idea, since their very low risk with AAA bonds, the return is lower, but its also consistent income. (but again interest rates can change which can make your bond more valuable or less valuable)
3. You get Paid First
– If things go downhill ( and the company goes down)
– Then you will be first in line to actually get paid
– Once they sell off the companies assets
– If you’re a common stockholder then you get last.
4. How I invest in bonds: acorns
– And 20% of my portfolio is into bonds ( because I’m younger still)
– I don’t buy individual bonds I actually invest into an ETF
– Made out of several different short term government treasury bonds (1-3 years of maturity ) ticker: Shy
And then I also have Corporate Bonds ( ticker is LQD)
– And these actually give me a higher yield
– But they also more volatile.
TIP: They actually pay me every month.
5. There are a lot of rules when it comes to the percentage by age for bonds:
– I like the one set by john c bogle most
– Basically, your age should be in bonds
– And I twisted a little and just made it the figure of my age.
Example: in my 20s ( 20%), 30s (30%), 40s (40%) and so on
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Can Individual Buy Bonds, Why I Still Buy Bonds.
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According to the Internal Revenue Service, the IRA rollover frequency is once in any 12 month period. That is very important to note, due to the fact that there have been instances when investors took 2 rollovers which expense them.
If you leave the business is the business match, the only amount of money an employer might keep. Some companies have a needed quantity of time you require to be used at the company prior to you receive the quantity they matched in your account. This is understood as the vesting schedule. Companies may need you work at the business for 3 years before you get the cash the company added to your 401k strategy.
Keep in mind that I’m not discussing Individual Bonds. You get your money back even if the value goes down when you hold those till maturity. You just need to be careful about bond shared funds and all the money that’s flocking in to them. The question you desire to ask yourself is “what’s my exit technique? How will I know when it’s time to leave my bond mutual fund?” Now is the time to establish your exit strategy.
A stock index is a listing of the largest business in a stock market, ranked by market capitalization. The most well Individual Bonds recognized index is the S&P 500, a listing of the 500 largest stocks on the New York Stock Exchange.
Meanwhile, begin your financial investment education and continue to learn investments as you start investing. Your age does not matter. I’ve has actually retired folks inform me they’re too old to learn and too old to invest. Well, if you’ve got some cash Individual Bonds you ‘d much better find out to put it to work. And if you do not you much better find out a method to set some aside.
I have actually been buying into a diversified portfolio of closed end high yield mutual fund. As I bought these financial investments in November they were priced at depression period worths with a lot of funds being “marked down” by over 30% and paying yields of 15% or more. It might appear counterintuitive however in December these high yield bond funds, due to the fact that of The Herd’s market distortion, have less threat than ten years Treasury Bonds.
EE bonds pay one of the greatest rates of interest of any federal government bond, often remaining ahead of inflation. A weak economy rarely affects these bonds due to the viewed strength of the US Government. When they are paying the greatest interest rates, the finest time to purchase any bond is. One of the advantages of bonds is that the interest rates are fixed and ensured.
It can putting your entire budget plan down. This includes individuals like Warren Buffet, James Paulson and Alan Greenspan. There is an old stating that goes, “they never set up a statue for a critic”.
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