Robert Brokamp, CFP®

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318 appearances 2 recordings 1 series first heard Mar 2026 last heard 4 Apr

Robert Brokamp, CFP®’s voice in public audio — every appearance, attributed to the second.

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Recordings per month over the last 12 months — 2 in all, peaking in Apr 2026 with 1.

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Don't stick with the default at your bank or even in your brokerage account.

These days, you should be able to get over 3% through the high yield savings account, maybe through a money market,

You shouldn't have to settle for anything less than 3% these days.

If you decide that you want to invest in bonds, you do have a choice.

You could invest in individual bonds or bond funds.

So how should someone choose which is best for them?

Yeah, with the individual bonds, you just have more predictability, right?

If you invest $1,000 in a five-year bond yielding 4%, you know how much interest you're going to get every year.

And you know in five years, you can get your $1,000 back, assuming the issuer is still in business.

But it does take more work.

And it may not be as diversified.

You mentioned I bonds.

Those come from Uncle Sam.

Those are considered pretty safe.

But if you move into corporate bonds, then you do have to worry about risk.

So with the bond fund, you get the instant diversification.

And it's easier to reinvest the interest, right?

If you have a $1,000 bond paying 4%, you're going to get $40 a year, but you can't really reinvest that in the bond that issued it.

Whereas with a bond fund, it's very easy to reinvest your interest to accumulate more shares.

The final point on this, I'll just highlight that over the last several years, there's been this sort of hybrid known as target date bond funds.

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