Debbie Carlson
speaker
119 appearances
2 recordings
1 series
first heard Mar 2024
last heard Jan 2025
Debbie Carlson’s voice in public audio — every appearance, attributed to the second.
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Appearances
One thing you could look at is a defined maturity ETF.
And these are a good way to what they call ladder an investment.
And you've probably heard of bond laddering or CD laddering, where you buy
cd or bond that matures in one year two year three years well the nice thing about these defined maturity etfs is they have the beauty of a bond ladder but they trade like an etf so instead of needing to hold it for the entire time you can trade them so your money is very liquid
There's two main companies that issue these, Invesco and BlackRock.
And Invesco has a brand called the BulletShares and BlackRock has a brand called iBonds.
And what's nice about these is these individual funds hold hundreds of companies.
So you have a diversity.
on top of having these nice funds.
And you can buy them for investment grade corporate credit.
You can buy them for high yield.
You can buy them for muni bonds.
Bank CDs are always a good option and I think they're the easiest ones to access because people are really familiar with them.
There are still some good bank CDs with some higher rates, right around 5% or a little bit more.
However, the maturities for those are limited to a little less than two years.
Let's say you found, let's say a 5.5% CD.
it might only be good for six months.
And so what happens is if you were to buy that CD and six months from now the Fed cuts rates, you're looking at having to reinvest that money into something that might be having a lower yield.
One way is to look at preferred stocks.
And preferred stocks are a little bit of a hybrid between a common stock, which everyone's familiar with, and a bond.
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