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,...

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