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Treasury bills and bonds, I bonds, inflation-protected bonds, municipal bonds, and bond funds. Know what each one pays, how it’s taxed, and where it fits.
Series EE and I savings bonds stop earning interest 30 years after their issue date, and every Series HH bond has already stopped. A bond past that point only loses buying power to inflation while it sits in a drawer. Check the series and issue date on every paper bond you own, and cash in any that have stopped.
Interest on a Treasury bill (T-bill) is free of state and local income tax, but savings account interest isn’t. Multiply your savings account’s rate by one minus your state and local tax rate. If a T-bill yields more than that, it’s the better place for cash you won’t need for a few months.
With more than $7 trillion in assets under management, Vanguard is one of the biggest investment firms in the world. Its name is also practically synonymous with the practice of passive investing, a strategy that seeks to match rather than…
For many years, the financial crisis of the late 2000s left a persistent legacy: stubbornly low interest rates on low-risk, low-reward investment vehicles. Rates on savings accounts, money market funds and government bonds remained at or below the rate of…
The stock market crash of the late 2000s taught many investors a painful lesson about the importance of diversifying their investments. They remain committed to low- to moderate-risk investment vehicles that provide a compromise between security and return on investment….
Like the idea of tax-advantaged investing, but already maxed out your retirement account contributions for the year? Or do you want to reduce risk in your retirement portfolio without completely stripping your returns? Consider municipal bonds. They come with unique…
Bonds are an important part of every investor’s portfolio, offering a lower volatility security to help offset the quick rises and falls of stocks. If you’ve invested in bonds before, you may be familiar with the term “junk bonds.” Despite…
Bonds are an important part of most investment portfolios. Because bond prices aren’t known for the high level of volatility seen in the stock market, these fixed-income investments have become a staple in safe-haven allocation. Not all bonds are created…
Most quality investment portfolios allocate at least a small portion of assets to fixed-income securities like bonds to offset stock market risk. Diversification with these assets helps to alleviate the risk of volatility, but they come with a significant drawback….
Volatility and risk are commonplace in the stock market. As you invest, you’ll find it’s best to mix your asset allocation between stocks and fixed-income assets. In general, a portion of your asset allocation will go to stocks and a…
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