cover of episode “How Do I Invest in Bonds? Help!” (Listener Intervention)

“How Do I Invest in Bonds? Help!” (Listener Intervention)

2024/8/9
logo of podcast Money Rehab with Nicole Lapin

Money Rehab with Nicole Lapin

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Morgan
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Nicole Lappin
一位致力于财务教育和媒体的专家,通过多种平台帮助人们提高财务素养。
Topics
Nicole Lappin: 本集讨论了债券投资的策略,包括如何根据个人财务状况和目标确定股票和债券的比例,以及如何选择合适的债券类型。她强调了美国国债的安全性,并推荐使用Public平台进行债券投资,因为它操作简便,并提供部分债券投资功能,方便用户灵活投资。她还建议投资者根据短期和长期财务目标以及风险承受能力制定投资策略,并强调了设定明确的财务目标的重要性。 Nicole Lappin还详细解释了债券的运作方式,指出债券投资的收益相对确定,与股票相比风险较低。她比较了在不同平台购买债券的优劣,指出Public平台相较于TreasuryDirect.gov更加用户友好,并能更清晰地显示投资收益。她还解释了年化收益率的概念,以及如何计算短期债券的实际收益。 Morgan: Morgan作为节目的嘉宾,分享了她对债券投资的初步认识和疑问。她起初认为债券很无聊,但通过Nicole Lappin的讲解,逐渐了解了债券投资的优势和策略。她表达了对投资风险的担忧,以及对制定长期投资计划的意愿。她还分享了她目前的投资策略,并表示愿意尝试债券投资。在节目的最后,她表示将根据Nicole Lappin的建议,制定个人财务目标,并选择合适的债券进行投资。

Deep Dive

Chapters
Bonds are a crucial component of any investor's portfolio, offering a level of predictability in returns compared to the stock market. They act as an IOU, where the investor lends money and receives repayment with interest. U.S. Treasuries are considered among the safest bonds due to government backing.
  • Bonds offer more predictable returns compared to stocks.
  • U.S. Treasuries are backed by the U.S. government, making them a safe investment option.
  • A diversified portfolio typically includes both stocks and bonds.

Shownotes Transcript

Today Nicole talks to a Money Rehabber who has never invested in bonds… and isn’t sure if she should. Nicole explains how bonds work, what they offer, why bonds are at stellar rates right now— and even takes the listener through the steps of buying a bond.

If you want to follow along at home and explore bond offerings on Nicole's favorite platform, go to public.com/moneyrehab)

All i*nvesting involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Public Investing, Inc., member FINRA & SIPC. Public Investing offers a High-Yield Cash Account where funds from this account are automatically deposited into partner banks where they earn interest and are eligible for FDIC insurance; Public Investing is not a bank. Brokerage services for alternative assets are offered by Dalmore Group, LLC, member FINRA & SIPC. Cryptocurrency trading services are offered by Bakkt Crypto Solutions, LLC (NMLS ID 1828849), which is licensed to engage in virtual currency business activity by the NYSDFS. *Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Cryptocurrency holdings are not protected by the FDIC or SIPC. *Brokerage services for treasury accounts offering 6-month T-Bills are offered by Jiko Securities, Inc., member FINRA & SIPC. Banking services are offered by Jiko Bank, a division of Mid-Central National Bank. *

*Fractional Bonds are offered by Public Investing. They are exposed to various risks typical of bond investments, including liquidity risk, interest rate risk, credit risk, inflation risk, and potential tax liabilities. Fractional Bonds also carry additional risks including that they are only available on Public and cannot be transferred to other brokerages. The value of these investments may be less than the original cost at the time of redemption. Typically, bonds with higher risk yields carry greater risk of default. Fractional Bonds are only bought and sold by a single market participant, Moment Markets. Bonds may be available from different brokers or dealers at prices different than those displayed. All prices are subject to change without prior notice. Public Investing earns a fee on every fractional bond trade. Trading 6 Month Treasury Bills through Fractional Bond investing offered by Public Investing is separate from the Public Treasury Account offered in partnership with Jiko. See risks: https://public.com/disclosures/apex-fractional-bond-disclosure) *

Securities investments:* ****Not FDIC Insured; No Bank Guarantee; May Lose Value. ***See public.com/#disclosures-main) for more information.

*APY as of 6/20/24, subject to change.