Sam Goldfarb
speaker
106 appearances
2 recordings
1 series
first heard Aug 2019
last heard Apr 2021
Sam Goldfarb’s voice in public audio — every appearance, attributed to the second.
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Appearances
I think the main reason why people usually buy bonds is they want that regular interest payment.
It's a sort of guaranteed or close to guaranteed income stream that you might not get with a stock.
You probably have heard about how like when you're younger, maybe you should own more stock, have more stocks in your portfolio.
And when you get older, you can kind of gradually shift more towards bonds because bonds are not completely safe, but they tend to be less volatile than stocks.
And so when you're younger, you can afford to sort of ride out the ups and downs of the stock market.
But when you're older, that can be not as easy.
And bonds, you know, as I said, will tend to offer 3%, 2%, 5% interest rates.
And so that's their main appeal.
They don't offer as much upside of stocks, but they tend to have less downside.
A bond is basically a way of making a loan.
So if you buy a bond, you're making a loan, whether it be to a government, a business.
And it's basically, instead of a bank making a loan, a bond allows lots of people around the world potentially to make a little piece of that loan.
Basically, when you buy a bond, you're getting a regular interest payment.
And then you will get that paid back at maturity.
So if it's a five-year bond, you'll be paid $500 for the bond.
You'll get your $500 back in five years if it's a five-year bond.
And in the meantime, you'll get regular interest payments, like maybe 5% of the principal.
I think the main reason why people usually buy bonds is they want that regular interest payment.
It's a sort of guaranteed or close to guaranteed income stream that you might not get with a stock.
On the other hand, bonds do trade in the secondary market like stocks do, and they can go up and down in price.
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