Why invest in fixed income?

Why Invest in 固定收益?

bet356手机版认为,固定收益产品在投资者的投资组合中扮演着重要角色. Learn about the potential benefits of fixed income investments 和 whether they are right for you.

Introduction to bond investing

Introduction to bond investing

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——投资者经常向bet356手机版询问有关持有债券的问题.

科林,你能给bet356手机版谈谈关于债券投资Insights吗?

- We see three key reasons why people should own bonds regardless of the interest rate environment 和 regardless of the economic environment.

Those reasons are income, 相对的价格稳定和资本保存, 以及他们提供的多样化利益.

The first benefit is income.

根据合同,债券有支付利息的义务, 所以除非违约, 你通常对自己的收入有一个很好的概念
be receiving 和 when.

第二个好处是相对的价格稳定和资本保留.

债券有固定的到期日和票面价值,所以你通常可以知道

再一次,除非违约,在到期日你能得到多少.

现在, 债券价格在二级市场上可以波动, 但对于中短期的高质量债券来说, 价格波动比Stocks市场的波动小得多.

第三个好处是多样化. For a well-balanced portfolio, 最好的投资方向是不同的.

随着时间的推移,像美国国债这样的高质量债券的价格和回报将下降.S. 国债与股市的相关性不高.

所以在Stocks市场波动或下跌的时期, 持有高质量债券有助于成为一种投资
ballast for your portfolio 和 could limit the overall decline if we did experience some stock 市场波动 or price declines.

-这是持有债券的三大理由. Can you tell us about the risks?

-债券一般有两个主要风险,利率风险和信用风险.

Interest rate risk is the risk that a bond's price will fall if its yield rises because bond prices 和 yields generally move in opposite directions.

但并不是所有债券的价格都会下跌相同的幅度. 价格对收益率变化的敏感度的一个主要决定因素是到期日.

与长期债券相比,短期债券对利率变化不那么敏感.

现在, the second key risk is credit risk, or the risk that an issuer can't make timely interest or principal payments or generally leads to a default.

现在, some bonds, like U.S. 美国国债, have very low credit risk, 但是其他的债券, 比如高收益公司债券或新兴市场债券, 信贷风险的增加是否导致价格波动加剧.

现在 these types of bonds generally have lower credit ratings 和 have the potential to suffer price declines.

-谢谢你和bet356手机版谈论持有债券的风险和好处.

你可以找到更多关于投资个人债券的信息, ETFs, 和共同基金, 以及单独管理的帐户, 在施瓦布.com.

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关闭

Think about your objectives.

无论你的目标是分散投资, 为未来储蓄, receive dependable income, 保护本金, 或减少税收, 固定收益投资可能是实现你目标的一种方式.

Benefits to investors:

  • 在Stocks投资组合中加入债券可能有助于平复股市的涨跌.
  • 债券是为了保存资本而设计的,因此很适合为将来的支出而储蓄.
  • Many bonds have preferential tax treatment where coupon payments are exempt from federal 和 potentially state income taxes.

让bet356手机版从固定收益的基础开始.

固定收益投资之所以被称为固定收益投资,是因为它们通常被设计成产生特定的, 或“固定," level of interest income. 常见的固定收益投资包括国债, government 和 机构债券, 市政债券, 公司债券, 和 mortgage-backed securities, 以及存单和优先股或证券.

了解不同类型的证券.

  • 个人债券

    债券 typically pay a set schedule of fixed interest payments 和 promise to return your money on a specific maturity date. 它们由多种实体发行,如美国联邦储备银行.S. 财政部,政府机构,公司和市政当局.

    嘉信理财为您提供了200多家bet356手机版商发行的6万多只债券.1

  • 债券基金及bet356手机版所买卖基金

    债券类共同基金 和 债券etf are professionally managed investment products made up of a diversified mix of underlying securities. Many have low investment minimums.

    通过施瓦布, you can access no-load, no-transaction-fee bond funds through Mutual Fund OneSource® 和 listed 债券etf that trade commission-free online.2

  • Certificates of deposit (cd)

    cd are bank deposits that pay a stated amount of interest for a specified period of time 和 promise to return your money on a specific date. cd由联邦存款保险公司(FDIC)承保,这提供了额外的安全水平.

    您可以通过施瓦布 CD OneSource找到和管理高收益的CD®.

  • Preferred stocks/securities

    Preferred stocks/securities are a class of stock that must pay dividends or interest to preferred shareholders before dividends are paid to common stockholders. They are issued by corporations 和 have attributes that are characteristic of both stocks 和 bonds.

    嘉信理财为您提供新发行和二级市场优先股/证券.

  • 管理bat365官方亚洲版

    一个托管bat365官方亚洲版 你拥有的是个人证券投资组合吗. 这些证券由一家资产管理公司自行选择和管理.

    Each professionally managed account follows a focused strategy within a specific asset class or investment style.

Take a closer look at the benefits.

There are four key features to fixed income securities that make them desirable to investors: diversification, capital preservation, 创收, 以及潜在的税收优惠. Each feature provides a unique set of benefits that vary depending upon the type of fixed income security.

  • 多样化

    Fixed income securities, 特别是高信用评级债券, 能帮助缓解Stocks投资组合中的高点和低点吗. That’s because stock 和 bond prices have historically tended to move independently 和 with different magnitudes at any given time. 然而, diversifying with bonds does not ensure a profit 和 does not protect against a loss in a declining market.

  • 资本保全

    固定收益证券是理想的,当保存资本是一个优先. 特别是债券,本金通常在规定的到期日返还. 高质量的固定收益投资, like 美国国债 和 cd, 最有可能保护本金. 虽然保留资本是固定收益证券的一个关键特征, there is still the risk that the issuer of the bond will not make good on paying back the principal.

  • 创收

    固定收益证券通常是用来提供定期的, 在设定日期可预测的利息支付流. Keep in mind that there is a risk that the issuer will not make good on the promise to pay interest income.

    有三种常见的创收方式:

    个人债券

    优点:

    • 让你控制你预期的收入类型和时间
    • 付款日期可以错开,以帮助创造更固定的月收入
    • 可以“阶梯式”管理流动性和利率风险吗

    缺点:

    • 需要更多的参与研究、选择、多样化和监控

    债券类共同基金 和 债券etf

    优点:

    • 对分散持仓有好处吗

    缺点:

    • 收入分配是否可以波动
    • 通常没有明确的到期日,所以Stocks必须出售以收回本金
    • Can have a potential loss of principal if they're worth less than they were when you bought them
  • 免税

    Some fixed income securities have preferential tax treatment where coupon payments may be exempt from federal 和 state income taxes.

    Keep in mind that potential tax advantages are generally factored into the price of any bond (和 therefore its yield). 也, 免税债券收入可能需要缴纳替代最低税额(AMT), 资本利得要缴纳联邦税,有时还要缴纳州税和地方税. 施瓦布Advice咨询一位合格的税务顾问,以获得具体的个性化税务Advice.

    不同类型债券的税收待遇不尽相同:

    1. 市政债券 may have the greatest potential tax benefit because their interest payments are usually exempt from federal income 和 are potentially exempt from state income taxes for investors buying bonds issued in their home state.
    2. 美国国债 和一些联邦 机构债券 支付一般免交州所得税的利息.
    3. 债券基金 和 债券etf 投资利息免交所得税的证券, like 市政债券 和 美国国债, 一般来说,支付利息是免税的所得税, 就像他们持有的个人债券一样.

避免投资者常犯的三个错误.

Keep your bond strategy on course by underst和ing how to avoid the most common investing errors:

  • 追逐收益率 
  • Buying 和 forgetting
  • Failing to diversify

与专家交谈

Get personalized assistance from a 施瓦布 固定收益 Specialist 与您的固定收益投资问题和Pricing.

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