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Making Money
S3E3: WTF are bonds? How and when to use them - PensionCraft Ramin Nakisa
Mar 18, 2024
Explore the significance of bonds in long-term financial planning, including their role in workplace pensions. Learn about bond issuance, interest rates, credit ratings, and strategies for including bonds in an investment portfolio. Understand the uncertainties and risks of bond funds compared to individual bonds, focusing on interest rate sensitivity and income variability. Delve into the economic repercussions of government debt policies and the impact on pension funds, mortgages, and the national economy. Discover unique central bank policies and demographic challenges in Japan, alongside the role of municipal bonds in funding local services and infrastructure projects.
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Quick takeaways
- Bonds are essential for long-term wealth building, offering stability and growth potential.
- Credit ratings and duration impact bond values, highlighting the risk-return trade-off in investments.
Deep dives
The Value of Bonds in Investment Portfolios
Bonds serve as a crucial part of investment portfolios, offering both stability and growth potential. Roming the Keeser highlights the significance of bonds, emphasizing their role in long-term strategies. Despite the default investment options often including stocks and bonds in workplace pensions, the discussion questions whether this strategy optimally fosters sustained growth. Bonds are praised for their versatility in planning cash flows, proving valuable regardless of age, aiding in both risk management and financial planning.
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Discover
highlights
Listen to the best highlights from the podcasts you love and dive into the full episode