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cover of episode Bonds 101: How to Add Stability (and Income!) to Your Portfolio

Bonds 101: How to Add Stability (and Income!) to Your Portfolio

2025/3/20
logo of podcast Money Rehab with Nicole Lapin

Money Rehab with Nicole Lapin

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Nicole Lappin
一位致力于财务教育和媒体的专家,通过多种平台帮助人们提高财务素养。
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Sierra
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Nicole Lappin: 我是Nicole Lappin,一位金融专家。今天我们讨论债券投资,它可以帮助降低投资风险,并获得稳定被动收入。债券投资可以与股票投资相结合,形成一个多元化的投资组合,降低整体风险。年轻投资者通常更关注股票,因为股票的回报率更高,但风险也更大;随着年龄增长,人们会逐渐增加债券投资比例,以追求更稳定的回报。美国国债是美国政府发行的债券,安全性高,分为短期国库券(T-bills)、中期国库券(T-notes)和长期国库券(T-bonds)。选择债券时,需要考虑收益率和资金需求时间。美国国债的收益率会变化,目前在3.85%到4.27%之间,债券投资的优势在于风险较低,并且可以获得稳定的利息收入。债券阶梯策略可以帮助投资者获得稳定的收入流。公司债券与国债类似,但投资的是公司而不是政府,收益率通常更高,但风险也更大。可以通过信用评级来评估公司债券的风险,信用评级越高,风险越低,收益率也可能越低。选择公司债券时,还需要考虑债券的流动性和是否可赎回。债券投资比例可以根据年龄来确定,也可以根据个人目标来调整。Public平台提供便捷的债券投资服务,可以投资国债和公司债券,并设置债券阶梯策略。Public平台上有一个债券基金,目前年化收益率为6.6%。 Sierra: 我目前的投资组合只有股票,最近市场波动让我感到不安,我想开始投资债券来分散风险,以提高整体投资组合的稳定性。我对债券投资知之甚少,希望能够学习更多关于债券投资的知识,以便更好地进行投资决策。

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 Stocks get all the attention, but bonds? They deserve some love too. If the latest market swings have you feeling a little queasy, bonds can help balance your portfolio and create a steady stream of passive income. In today’s episode, Nicole sits down with a Money Rehabber who wants to start investing in bonds but isn’t sure where to begin. Nicole breaks down bond basics, key terms, and how to build a bond strategy that works for you. 

To start investing in bonds today, go to public.com/moneyrehab)

All i*nvesting involves the risk of loss, including loss of principal. Brokerage services for US-listed, registered securities, options and bonds in a self-directed account are offered by Open to the Public Investing, member FINRA & SIPC. *Treasury accounts offering 6 months T-Bills are offered by Jiko Securities, Inc.,member FINRA & SIPC. Securities in your account are protected up to $500,000. For details: www.sipc.org). Banking services and the Bank Accounts are provided by Jiko Bank, a division of Mid- Central National Bank. For U.S. I*nvestments in T-bills: Not FDIC Insured; No Bank Guarantee; May Lose Value. ****Treasuries risk disclosures, see https://jiko.io/docs/treasuries_risk_disclosure.pdf). See public.com/#disclosures-main) *

Advisory services for Treasury Accounts are provided by Public Advisors, an SEC-registered investment adviser. Public Advisors and Public Investing are affiliates and both charge a fee for their respective services. For more details, see Public Advisors’ Form CRS, Form ADV Part 2A, Fee Schedule, and Treasury Account page.

*A Bond Account is a self-directed brokerage account with Public Investing, member FINRA/SIPC. Deposits into this account are used to purchase 10 investment-grade and high-yield bonds. The 6.6% yield is the average, annualized yield to worst (YTW) across all ten bonds in the Bond Account, before fees, as of 3/12/2025. A bond’s yield is a function of its market price, which can fluctuate; therefore, a bond’s YTW is not “locked in” until the bond is purchased, and your yield at time of purchase may be different from the yield shown here. The “locked in” YTW is not guaranteed; you may receive less than the YTW of the bonds in the Bond Account if you sell any of the bonds before maturity or if the issuer defaults on the bond. Public Investing charges a markup on each bond trade. See our Fee Schedule). * * * *Bond Accounts are not recommendations of individual bonds or default allocations. The bonds in the Bond Account have not been selected based on your needs or risk profile. *See Bond Account Disclosures) to learn more.

*******Terms and Conditions)* apply. *