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Special Report on

Laddering Bond Investments

laddering bond investments special research report Photo by www.aafr.org
 - If death is due to an accident, an insurance policy may pay out an accidental death benefit in addition to the death benefit normally paid to the beneficiary. Age and time limits may prompt exclusions. Actuary  - An American term for a mathematician who specializes in calculating insurance statistics, rates, reserves, and dividends. Adjustable Rate  - If the market-rate index fluctuates, then so does this interest rate. Agent -  An insurance company's licensed representative authorized to sell and service their insurance policies. This agent can be an independent individual representing more than one ...
CDs are similar to savings accounts in that they are insured and thus virtually risk-free; they are "money in the bank" (CDs are insured by the FDIC for banks or by the NCUA for credit unions). They are different from savings accounts in that the CD has a specific, fixed term (often three months, six months, or one to five years), and, usually, a fixed interest rate . It is intended that the CD be held until maturity , at which time the money may be withdrawn together with the accrued interest . In exchange for keeping the money on deposit for the agreed-on term, institutions usually grant higher interest rates than ...
REVIEWS AND OPINIONS
5 Ways To Protect Your Bond Portfolio From Rising Interest Rates ...
The Federal Reserve recently raised its target federal funds rate for the first time since March 2000. This could be just the tip of the iceberg, though, as many experts believe rising inflation and a strengthening economy will spur continued rate hikes for the foreseeable future. This is bad news for bond investors, since bonds lose value as interest rates rise. The reason stems from the fact coupon rates for most bonds are fixed when the bonds are issued. So, as rates rise and new bonds with higher coupon rates become available, investors are willing to pay less for existing bonds with lower coupon rates. So what can you do to ... market research, surveys and trends
How To Use CD's and Money Market Accounts Now | RateNerd
Stashing your cash in your mattress may seem like the simplest and safest solution. But the money in your mattress isn’t protected by the Federal Deposit Insurance Corp oration (FDIC) the way that bank deposit accounts are. FDIC-insured bank deposit accounts are a safe way to protect your assets-while you grow your savings. And there are some great rates and high-yield accounts out there to help maximize your savings. Whether your financial strategy is primarily a savings account you opened in high school-or you’re rebalancing a high-risk portfolio-FDIC insured bank deposit accounts can be an important part of your ... market research, surveys and trends

SURVEY RESULTS FOR
LADDERING BOND INVESTMENTS

CD, bond ladders can lead to higher yields for safe investments ...
The income you get from safe, reliable investments today would fit into an ant's thimble, with room left over for three grains of rice and a calculator. You can boost your investment income by creating a laddered portfolio of CDs or bonds. But if safety's your biggest concern, you'll have to live with itty-bitty returns, at least for the moment. Let's start with the tiniest income generator of all: money market mutual funds. The average money fund yields 0.03 percent, according to iMoneyNet, which tracks the funds. At that rate, a $100,000 investment will give you $2.50 a month in income, which wouldn't ... industry trends, business articles and survey research
The Laddered Bond Portfolio
Jun 2, 2010 ... Figure 7: A Hypothetical limited term bond ladder ... cannot eliminate the risk of investment losses. For ... tical bonds with five percent coupons. The first bond has ..... of over $45 billion in 12 intermedi- ... industry trends, business articles and survey research
RELATED NEWS
5 Ways To Protect Your Bond Portfolio From Rising Interest Rates
The Federal Reserve recently raised its target federal funds rate for the first time since March 2000. This could be just the tip of the iceberg, though, as many experts believe rising inflation and a strengthening economy will spur continued rate hikes for the foreseeable future. This is bad news for bond investors, since bonds lose value as interest rates rise. The reason stems from the fact coupon rates for most bonds are fixed when the bonds are issued. So, as rates rise and new bonds with higher coupon rates become available, investors are willing to pay less for existing bonds with lower coupon rates. So what can you do to ... market trends, news research and surveys resources
A Common-Sense Approach To Retirement Planning
Today's retirees and preretirees face multiple challenges, including still-shrunken principal values following the 2008-09 bear market and rock-bottom interest rates. To get an expert perspective on these important topics, I recently sat down with Harold Evensky, president of Evensky & Katz Wealth Management. Morningstar managing director Don Phillips once called Evensky "the Dean of Financial Planning," and for good reason: Evensky marries the wisdom of a topnotch practitioner with a focus on cutting-edge research. Part I of our conversation , focusing on asset allocation, appeared on ... market trends, news research and surveys resources

INFORMATION RESOURCES

Laddering A Bond Portfolio
Laddering A Bond Portfolio. No Change. Minus 100 bp. Plus 100 bp ... that very short-term investments gen- erate the lowest yields. As the years- ... technology research, surveys study and trend statistics
Investment Concepts
In California investment is limited to bond mutual funds. ... Laddered maturities (one approach only). • Core investing ... The Ladder Strategy ... technology research, surveys study and trend statistics
Investing in Bonds, MM-0005-01
Generally, "savers" and "investors" have different objectives for their money. "Savers" plan to use their money in the next 3-5 years, while "investors" won't need their money for five years or longer. Many "savers" want liquidity or quick access to their money without penalty. Bonds provide a desirable saving or investment vehicle for many reasons. Bonds tend to be safer than stocks because if you hold bonds until the maturity date, you don't risk the principal. Plus, bonds can provide a regular, steady source of income (typically, interest payments are received every 6 months). For the long ...
REAL TIME
LADDERING BOND INVESTMENTS
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QUESTIONS AND ANSWERS
Why The 401K or Roth Push - Why Not Ladder CD's? - Yahoo! Answers
We all are caught up in believing that we should invest in the Stock Market. Really? I wonder why? Whose getting paid now - and what will we get later? ... Here's my last 10 Year Average: ... 1) Vantagepoint Traditional Growth: Less than 1% growth - Worth Less than $600 in interest today of a $70K Investment over the last 10 Year Period. Of course - our stock ad visor thinks it's only paper - until it's cashed in. It's very expensive paper. Paper you are paying fees, each and every month. They get their profits - regardless of what your money is earning or losing! ... 2) Laddering ...
Google Answers: Buy and Hold Bond Funds
Are there any corporate, California muni bond and treasury funds that are basically buy and hold with little bond trading? Are the low cost index bond funds basically buy and hold? When researching bond funds, how do I determine how much trading actually goes on inside the funds? I'm looking for bond funds where the fees are very low (like Vanguard), only purchase and hold (so the principal stays constant and safe), creating a place to put my fixed income portion of my asset allocation that will be very similar to my current strategy of laddering bonds while gaining diversification. Unfortunately, it isn't ...