When planning for your financial future, do not forget that some relatively low-risk investment options can often provide the stability needed to achieve your long-term goals. For investors looking for new opportunities, bond ladders may provide a fairly reliable option that is less volatile than stocks and that are designed to provide consistent cash flow that can be re-invested over time. These structured investments can be useful for those diversifying or building a stable portfolio. But what is a bond ladder, and how can it help you reach your financial goals?
Silicon Valley is engineering a fintech revolution, bringing a quest for simplicity to the quagmire of financial services The results are striking and for the first time in memory, global financial institutions face true challenges from scrappy upstarts When Jamie Dimon warns his shareholders that silicon valley is coming, it is clear the impact is already being felt on Wall Street.
The banking system is notoriously complex; often daunting for customers While creating a seamless experience in a regulated world can be tricky, much of the complexity is self serving The complexity often results from bankers and financial institutions optimizing for themselves instead of the customer Bankers leverage it to create exclusivity and job security.
There are certain images that define America The Statue of Liberty Mount Rushmore And of course, the Golden Gate Bridge Spanning over 4,000 feet, the iconic Golden Gate Bridge, in its bright orange glory, is practically synonymous with the city of San Francisco itself In fact, the American Society of Civil Engineers named it one of the Wonders of the Modern World.
Most people, unless they come from the investment industry, don’t receive any formal education on how municipal bonds work. As a result, there’s a lot of misinformation out there surrounding these financial assets. At Neighborly, we want investors to make informed decisions and that means correcting these myths. Here are the top 6 myths that most people believe about muni bonds.
Can we talk about investment language for a moment? Because sometimes the terms investors use read like hieroglyphics written backward. And they throw out abbreviations more often than a texting tween. Once you break it down, though, the lingo is relatively straight forward. And of course, investing in muni bonds is a neat way to support city progress... and progress is a language we all speak. So here is a handy primer on basic muni bond terminology, spelled out in words the rest of us use.
If you’ve been reading along in our Beginner's Guide to Muni Bonds, by now you should have an understanding of how muni bonds work. Perhaps you’ve even started thinking about adding munis to your investment portfolio. We’ve talked about scenarios in which muni bonds might make sense and reviewed the benefits and drawbacks of investing. We even explored the history of munis and how they came to be such an integral part of the market as we know it today. But all of this leaves us with one major question: Where are muni bonds going? What does the future have in store?
Did you hear that Moody's recently downgraded the City of Chicago's muni offerings, sending them into junk bond territory? True story: Last Tuesday, $8.9 billion in muni bonds were downgraded from Baa2 to Ba1, which means they’re now below investment grade and considered riskier than higher-rated bonds. But while Chicago’s financial woes aren’t exactly breaking news, Moody’s may have jumped the gun a bit. Let’s explore.