Do This to Most Effectively Use Bonds in Your Retirement Portfolio

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Learn how you can use bonds most effectively in your retirement portfolio. A retirement portfolio should have bonds for extremely intentional reasons: income, uncorrelated asset class, reduced volatility.
It's not enough to stop there.
How does this impact your overall retirement plan?
Timestamps
00:00 - Introduction
2:15 - Bond Overview
3:52 - Interest Rate Risk
6:25 - Bond Prices & Supply
9:45 - US Treasury Bond Exposure
12:25 - Short-Term Buckets
13:45 - Breakeven Points
14:10 - Working With Us
Learn the tips & strategies to get the most out of life with your money.
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Опубликовано:

29 июн 2024

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Комментарии : 30

@johngill2853 Год назад

Great job on a complicated topic

@dbest4755 Год назад

Thanks for tips info in 2022, Happy New year 2023!

@davidatkinson5396 Год назад

Great, informative video. Thank you and Happy New Year!

@candycrusher45 10 месяцев назад

Very helpful. Thank you!

@gabesmith9171 Год назад

Subscribed- you have great info and a great style, I really enjoy the videos!

@MrMatisse22 Год назад

Excellent.

@ferchanguitoable Год назад

I just found your video today and it is amazing! I already subscribed, liked and set notifications to all your videos. I don’t currently own any bonds because I am 36 years old and don’t panic with current volatility due to my investment horizon. but I am planning to start adding 1% each year of a long term treasury bond index fund when I turn 45 and rebalance as needed to keep my target allocation that year. I hope in retirement, age 65, to be 80% stocks / 20% long term treasuries bond for my asset allocation.

@ilsevanheerden4976 Год назад

Thanks James, you have a talent for breaking things down so we can all understand it. What do you think of EUN3 as a bond ETF for Europeans? Or where do I find the Accumulating equivalent, any idea?

@chessdad182 Год назад

I parked a bit of my winnings in VTIP. Won't be there forever, but pays a nice dividend.

@dforrest4503 Год назад

Could you make a video about the order in which a company that goes bankrupt pays people? For example, are bond holders paid before preferred stock holders who are paid before common stock holders?

@davidfolts5893 Год назад

Groucho Marx lost a significant amount in the stock market crash of 1929. When he told his friends he was invested in bonds, they told him he could not make much money investing in bonds. His reply? You can when you own enough of them.😮

@paulhi9228 Год назад

James, do you actually oversee the investments of your clients, or is that handed off to another entity?

@sammyalabamy111 Год назад

I love me my BONDS....now and in the future

@tcbridges Год назад

What is the difference between bonds and CD’s. I keep buying one year CDs because I am getting 3.85% on $300K in one year cd’s I have a 401K but wouldn’t put this cash in there because I already paid taxes on it. I get confused

@johngill2853 Год назад

The difference between bonds and CDs? CDs are Bank products with FDIC protection and bonds are loans to companies or government entities There are two types of CDs, brokerage and regular Bank CDs. Bank CDs can usually be cashed early with a penalty but brokerage CDs if you want your money early at whatever the market will pay for it.

@reddragon3518 Год назад

I understand when interest rates go up the price of the bond goes down. Can you speak to the opposite? If buying long-term bonds at 4-5 percent when the Fed pivots won't the value of the bond go up> cant find any info on the math of it if the rates go down 100bp etc and I lock in a 10-year treasury. Great channel.

@johngill2853 Год назад

The opposite is also true, bonds will be worth more if interest rates drop(and the longer duration the more the price change) But I highly recommend against trying to time the bond market

@BadPhD777 Год назад

My savings account has gone from 0.50% to 3.3%!!!!!!!!

@Jkburd Год назад

@@johngill2853 if you hold the bond to maturity is your principal unchanged? Meaning you only take the drop if you sell? Thx!

@onlywenilaugh6589 Год назад

IN a target fund with 40%+ bonds, I'm trying to figure out how to fix this. Should I move my target to my own investments and take initial hit on bonds or just leave it in the target fund of 2025? I tend to think it's heavy on bonds even though I want to retire in the next couple of years.

@davidmorrill1623 19 дней назад

I am in the same basic framework with one fund, but have the allocation issue addressed with investment in other stock funds

@everlastingarms3065 5 дней назад

You could move it to a 2030 target or 2035 target which increasingly invest in stocks until the ratio is where you want. That's the simplest way. There are other more complicated ways of course. Best to you, enjoy your retirement soon!

@jhaed2001 Год назад

I am confused… I-bonds are giving 6.89% interest rate right now and was at 9.62% prior to that (May-October 2022). Is this a bad basket for investment?

@johngill2853 Год назад

Investment? It's generally more like cash savings. Inflation is normally not this high. They are great for cash like investments but long term stocks are better.

@lisar901 Год назад

What about an E bonds??

@johngill2853 Год назад

EE bonds(savings bonds)? Currently pay 2.10% Guaranteed to double in 20 years No state tax Tax deferral and education tax advantages

@nickfifield1 Год назад

Do you mean bonds or bond funds - they are very different.

@johngill2853 Год назад

You're going to have to be more specific because he talks about both separately and sometimes it could be either one he is talking about. As far as Bonds and bond funds being different. A bond fund is nothing but a collection of bonds. So the only difference is it doesn't act like an individual Bond but a fund of bonds that is constantly rolled over into the type of bonds that the fund perspective dictates (it has no maturity date)