Anne Tergesen
speaker
4,485 appearances
83 recordings
1 series
first heard Jul 2017
last heard Feb 2025
Anne Tergesen’s voice in public audio — every appearance, attributed to the second.
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Treasury bonds.
High-grade corporate bonds are also fairly low in risk.
And then as you move out on the risk spectrum, you can buy riskier bonds, including we've all heard of junk bonds, which are basically
the bonds issued by corporations that don't have good investment grade ratings.
A lot of it depends on the risk profile of the person.
But, you know, for a long time, the only way to get like a good yield on bonds was to go way out on that risk spectrum and buy things like junk bonds that have a higher chance of defaulting
And they expose the person who holds them to risk.
The great thing about now is that because interest rates have gone up so dramatically in recent months and over the past couple of years, it's possible now to get kind of a healthy yield out of a relatively low risk bond like a U.S.
Treasury bond, which in theory is riskless because the chances of the U.S.
government defaulting are very low.
The bond yields on short-term bonds, you know, three-month, six-month, whatever, newly issued bonds, those are going to adjust pretty quickly to the new lower rate.
The longer-term bonds, if you purchased a 30-year bond that was paying 5%, you know, you still hold that bond and that yield remains.
For younger investors, typically they should be pretty heavily allocated towards stocks.
And the thinking there is that if you're 25 years old and you're just starting out in a job and you're just starting to save in a 401k, time is on your side.
So you can take the risk that the stock market is going to maybe go down significantly.
And that's not going to affect your life.
It's going to affect your 401k balance, but you have time to recover.
The stock market tends to go up over long periods of time.
So the thinking is that younger people should still maintain relatively aggressive allocations towards stocks and not really rotate into bonds too much.
There probably are exceptions to that.
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