A Standard Guide In Bond Investments

3347 words - 13 pages

A Standard Guide in Bond Investments

Millions of Americans are cautious as to how they invest their money or where they should invest their money; whether it’s to invest in real estate, stocks, and mutual funds; or take a safer approach by choosing a conservative options and invest in bonds. While establishing their financial planning, most American chose to invest in stocks and mutual funds because of the potential in hope of a larger return for their investment. Whereas, conservative bonds such as government and corporate bonds offer lots of potential and investment growth in the long run. Though there are risk and safety associated with many investments, the key is to decide how much risk are involved, and research the quality of investments that often offer higher returns without the potential of unnecessary high risk.
In spite of the recent slump in the economy more and more investors are worried and concerned as what will happen to their investment funds. Most are wondering should they sell or cash in on their savings and investment and bail-out, while others are deciding if they should stick it out due to the current market trend. Regardless, people who are more experienced and are risky investor’s normally leave their investment where it is due to the fact that, when the market is down prices are cheaper and when interest rates rise, stocks, as well as bond prices fall; as interest rate fall, bond prices rise. With this understanding most leave their savings and investments where it is. Though for a beginner who have never invested before, and is inexperience about saving and investment, the first step an individual would need to take is to consult with a reputable financial advisor and; or planner who is interested in the welfare of the client. The potential investor should also get some education about diversified portfolio that should include conservative bonds as well.

Conservative Investment Options: Bonds
Why invest in Bonds?
Corporate and Government Bonds are no substitute for stocks, which in spite of the current predicament in the market are probably still the best investment for the long haul. However, bonds are a good option for the conservative investors. Bonds is a type of security that functions like a loan, relatively in their best form are basically IOU’s- receipts for money borrowed from the investor, they are issued by private companies, municipalities, or government agencies. They bind the issuing organization to a fixed amount on the maturity date, which is set when the instrument is issued (Kiplinger’s Personal Finance, 2003, p.1).
Types of Government Bonds and Debt Securities
Bonds usually come in a variety of forms with each having its own individual benefits, risks and tax considerations. Normally most bonds falls into four general categories: corporate, government, government agencies and municipal (Ameriprise, 2008). Meanwhile,...

Find Another Essay On A Standard Guide in Bond Investments

A report on the Proficiency in Standard English for Speakers of African American Vernacular English (AAVE) program.

733 words - 3 pages . Considering that AAVE is sloppy or less inferior to the Standard English is illogical as all languages and slangs have an equal status. “Bad grammar”, is an unacceptable term from a linguist’s point of view, all languages are logical and AAVE grammar is rule governed. Lisa Green of the University of Texas points out that to define AAVE we make use of feature lists such as multiple negation, third person singular -s but in reality the above mentioned

A defense for abortion using standard abortion defenses against one another. good material for abortion in general. 1455 words

1461 words - 6 pages "A defense of abortion" provides a myriad of analogies in the defense of abortion. One in particular is given that I personally enjoy. The analogy of People seeds is hilarious, and on top of that makes good sense. This paper will explain the people seeds and put that argument in standard form for analogies. An evaluation will also be given and an assessment of whether or not the argument is either weak or strong. The people seeds are as

A website evaluation for Pfizer's Guide to Careers in Pharmacy (www.pfizercareerguides.com)

1417 words - 6 pages longer than ever before is continually increasing. According to the U.S. Bureau of Labor and Statistics, employment in pharmacy is projected to increase faster than the average of all other occupations until the year 2012. Given these specifics along with my interest in pharmacy as a potential career, I decided to further investigate. I investigated three websites: www.pharmacy.org, www.acp.com, and www.pfizercareerguides.com. The Pfizer Guide to

Getting Your Foot in the Door: A guide to winning the Girl of Your Dreams

1767 words - 7 pages Getting Your Foot in the Door: A guide to winning the Girl of Your Dreams You try saying something smooth but uttering more than a simple phrase becomes an impossibility. Her eyes penetrate your comfort zone making you feel not only vulnerable, but inadequate. A piece of gum would be god-sent and in response to her questions all that can be mined from the depths of your brain are simple one word answers; nothing but “sure” or a smirk can come

Should Students Who Speak AAVE Be Allowed to Speak their Dialect in a Language Arts Classroom, or Should They Speak Standard English?

1481 words - 6 pages I will be a hypocrite if I say that I speak perfect Standard English at all times. I believe that there is a time and a place for speaking Standard English. In addition, I believe that all students should feel comfortable when conversing with their peers in the classroom. Through analyzing these studies, there appears to be one question posed throughout both articles: should students who speak African-American Vernacular English (AAVE) be

VaR is a method of assessing risk that uses standard statistical tehniques routinely used in other tehnical fields. Based on firm scientific foundations, VaR provides users with a summary measure of...

3789 words - 15 pages poor supervision and management of financial risks. Spurred into action, financial institutions and regulators turnet to value at risk, an easy-to understand metod for quantifying market risk.VaR is a method of assessing risk that uses standard statistical tehniques routinely used in other tehnical fields. Formally VaR measures the worst expected loss over a given horizon under normal market conditions at a given confidence level. Based on firm

Analysis of Guy Vanderhaeghe's Short Story, "The Watcher" In relation to Margaret Atwood's essay "Survival: A Thematic Guide to Canadian Literature."

1245 words - 5 pages the unifying symbol for Canadian Lifestyle, and consequently literature, is "Survival". As a result of the Canada's geographical shape, its vast landmass and bitter climate, as well as the nation's origins as subordinate to imperial rule, Survival becomes the common thread which bonds the lives thought and experiences of all Canadians. It is more real to us than the frontier or the island. In her essay, " Survival : A Thematic Guide to Canadian

A History of the Overture and its Use in the Wind Band: An Annotated Guide to Selected Overtures Scored Originally for Wind Band

3253 words - 13 pages symphonies: the emperor’s name day (Namensfier, 1815) and the opening of a theater (Die Weihe des Hauses, 1822)" (Peyser, 1986). Several of Beethoven’s overtures which were written for special purposes became standard concert works. Many German composers wrote one-movement overtures in the style of Mozart between 1805 and 1820 even without a title or one only naming the occasion for which it was written. This became the common style of the Romantic

Interest Rates and Bond Valuations

2298 words - 9 pages ” (Moody's, 2014). There are two bond rating companies named Moody’s and the Standard & Poors (S&P). They evaluate bonds based on their assesment of “creditworthiness” in a grading system. A grade of Aaa according to Moody’s is a low risk to default making it a high quality “prime” bond, whereas a grade of Caa1 is considered to be a high risk to default making that bond a low quality “not prime” bond. Prior to Transactions Report And Compliance Engine

Bonds and the Bond Market

3860 words - 15 pages determined so that it can be compared to other investments before or while you have the bond, so that you can decide whether it might be wiser to sell the bond before it comes due. The two main disadvantages in deciding to purchase this type of bond are that there is no current stream of income and that, in many cases, the interest earned is still taxable.Convertible bonds, as the name implies, is a security that can be 'converted' into pre

Municipal Bonds - why to invest in them

1299 words - 5 pages . When you invest in any bond, your primary concern should be the issuer's ability to meet its financial obligations. Issuers of municipal bonds have an outstanding record of meeting interest and principal payments in a timely manner. Another way to evaluate an issuer it to examine its credit rating; many bonds are graded by ratings agencies such as Moody's, Standard & Poor's, and Fitch. There are many other ratings, but what's important is that

Similar Essays

The Maturation Of A Maternal Bond In Morning Song

966 words - 4 pages The Maturation of a Maternal Bond in Morning Song        What is the only difference between the emotions of an ordinary smiling new mother in the 1960's and those of Sylvia Plath when she writes her melancholy "Morning Song" soon after her child's birth?  While most new mothers pretended all was well, Plath published her true feelings. Simply because society held that all new mothers should be filled with immense joy after giving birth

A Guide To Using Dos In Ubuntu

1711 words - 7 pages . While the OS is installing, it presents the user with options to configure the computer. The user should select the options that are most applicable to themselves. One of the steps in this process is setting up a user account. When setting up the account, the installer will prompt for a username and password. The utilities used in this guide require a password to install, so it is important that the password fields are not left blank. There is also

A Double Standard For Men And Women In Tom Jones

1342 words - 5 pages Sophia's maid Honour shapes when she states that Molly was always a forward, willing wench and that when wenches are so coming, men are not so much to be blamed, for it's only natural to act on this forwardness (398). This double standard is actually stated and "justified" by another woman, which accurately highlights the way of thinking in the 18th century that Fielding evidently recognized. Later, when Molly is found to be pregnant

The Dark Knight: Brilliant Movie That Sets A New Standard In The Superhero Film Genre

1000 words - 4 pages tense, unpredictable film, as well as the usual superhero film cheesiness, without which the film would be incomplete. This film left me speechless after watching it. It was brilliant and literally breathtaking. It has all the elements of action that make it such a tense, unpredictable film, yet still contains that usual superhero cheesiness without which it would be incomplete. The Dark Knight has set a new standard in the superhero genre, and I greatly doubt that any other film would be able to surpass its brilliance. It is quality entertainment and art rolled into one, which makes it one of the most memorable films I have ever seen.