Do This to Most Effectively Use Bonds in Your Retirement Portfolio
ฝัง
- เผยแพร่เมื่อ 20 พ.ค. 2024
- Learn how you can use bonds most effectively in your retirement portfolio. A retirement portfolio should have bonds for extremely intentional reasons: income, uncorrelated asset class, reduced volatility.
It's not enough to stop there.
How does this impact your overall retirement plan?
Timestamps
00:00 - Introduction
2:15 - Bond Overview
3:52 - Interest Rate Risk
6:25 - Bond Prices & Supply
9:45 - US Treasury Bond Exposure
12:25 - Short-Term Buckets
13:45 - Breakeven Points
14:10 - Working With Us
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Great job on a complicated topic
Great, informative video. Thank you and Happy New Year!
Thanks for tips info in 2022, Happy New year 2023!
Very helpful. Thank you!
Subscribed- you have great info and a great style, I really enjoy the videos!
I just found your video today and it is amazing! I already subscribed, liked and set notifications to all your videos. I don’t currently own any bonds because I am 36 years old and don’t panic with current volatility due to my investment horizon. but I am planning to start adding 1% each year of a long term treasury bond index fund when I turn 45 and rebalance as needed to keep my target allocation that year. I hope in retirement, age 65, to be 80% stocks / 20% long term treasuries bond for my asset allocation.
Excellent.
Thanks James, you have a talent for breaking things down so we can all understand it. What do you think of EUN3 as a bond ETF for Europeans? Or where do I find the Accumulating equivalent, any idea?
IN a target fund with 40%+ bonds, I'm trying to figure out how to fix this. Should I move my target to my own investments and take initial hit on bonds or just leave it in the target fund of 2025? I tend to think it's heavy on bonds even though I want to retire in the next couple of years.
Could you make a video about the order in which a company that goes bankrupt pays people? For example, are bond holders paid before preferred stock holders who are paid before common stock holders?
James, do you actually oversee the investments of your clients, or is that handed off to another entity?
I parked a bit of my winnings in VTIP. Won't be there forever, but pays a nice dividend.
Groucho Marx lost a significant amount in the stock market crash of 1929. When he told his friends he was invested in bonds, they told him he could not make much money investing in bonds. His reply? You can when you own enough of them.😮
I understand when interest rates go up the price of the bond goes down. Can you speak to the opposite? If buying long-term bonds at 4-5 percent when the Fed pivots won't the value of the bond go up> cant find any info on the math of it if the rates go down 100bp etc and I lock in a 10-year treasury. Great channel.
The opposite is also true, bonds will be worth more if interest rates drop(and the longer duration the more the price change)
But I highly recommend against trying to time the bond market
My savings account has gone from 0.50% to 3.3%!!!!!!!!
@@johngill2853 if you hold the bond to maturity is your principal unchanged? Meaning you only take the drop if you sell? Thx!
What is the difference between bonds and CD’s. I keep buying one year CDs because I am getting 3.85% on $300K in one year cd’s I have a 401K but wouldn’t put this cash in there because I already paid taxes on it. I get confused
The difference between bonds and CDs?
CDs are Bank products with FDIC protection and bonds are loans to companies or government entities
There are two types of CDs, brokerage and regular Bank CDs. Bank CDs can usually be cashed early with a penalty but brokerage CDs if you want your money early at whatever the market will pay for it.
What about an E bonds??
EE bonds(savings bonds)?
Currently pay 2.10%
Guaranteed to double in 20 years
No state tax
Tax deferral and education tax advantages
I love me my BONDS....now and in the future
I am confused… I-bonds are giving 6.89% interest rate right now and was at 9.62% prior to that (May-October 2022). Is this a bad basket for investment?
Investment? It's generally more like cash savings. Inflation is normally not this high.
They are great for cash like investments but long term stocks are better.
Bonds have been underwater for almost 11 years.
Do you mean bonds or bond funds - they are very different.
You're going to have to be more specific because he talks about both separately and sometimes it could be either one he is talking about.
As far as Bonds and bond funds being different. A bond fund is nothing but a collection of bonds. So the only difference is it doesn't act like an individual Bond but a fund of bonds that is constantly rolled over into the type of bonds that the fund perspective dictates (it has no maturity date)