Vicky Ge Huang

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80 appearances 2 recordings 1 series first heard Nov 2022 last heard Sep 2024

Vicky Ge Huang’s voice in public audio — every appearance, attributed to the second.

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WSJ Your Money Briefing · As Interest Rates Fall, Bonds Become a More Attractive Investment · 26 Sep 2024 podcast

their entire investment.

If something wrong happens with a company and the stock falls to zero.

But bonds are essentially the loans that investors give to a company or the state or local government.

In most scenarios, investors can expect to get at least some of their principal back, even if something happens to the issuer of the bond.

So there are many different types of bonds to investing.

A lot of financial advisors recommend their clients to stick to treasuries and specifically in this environment, intermediate term or longer term treasuries because treasuries

Treasuries are essentially risk-free investments because they're backed by the U.S.

government.

But if you're reaching for more yield, more returns, you might look at corporate bonds.

That tends to be a little bit more risky but pays a little bit more to investors for taking on that risk.

It depends on your particular situation.

And a lot of financial advisors, they look at the fixed income or bond portion of their client's portfolio as the money that they might need to spend soon.

So some advisors recommend that clients hold the bonds to maturity.

It means that if you buy a three-year bond, you hold it for three years.

So one way financial advisors have recommended that their clients manage a whole lot of different bonds is to assemble a ladder of bonds.

So you basically buy a portfolio of bonds that mature at different points in time.

And then once one bond matures, you can take that interest income and reinvest again.

So you get a steady stream of income throughout a period of time without having to worry about losing money because of the swing or changes in interest rates.

Bonds historically are considered to be the safer and more boring part of an investor's portfolio.

There is definitely the risk of loss, especially in corporate bonds when a company defaults on its debt or even declares bankruptcy, you could stand to lose most of your investments.

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