078 - How Should You Diversify the Bond Part of Your Portfolio?

An episode of the Real Personal Finance podcast, hosted by Scott Frank and James Conole, titled "078 - How Should You Diversify the Bond Part of Your Portfolio?" was published on December 16, 2020 and runs 21 minutes.

December 16, 2020 ·21m · Real Personal Finance

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Summary

In this podcast episode, we have a listener question: Since interest rates are so low and the bond market is so much bigger than the equity market, what are a good mix of bonds for a portfolio with a lot of bonds? Should it only be high quality corporate or should it be some TIPS, CMO, or anything else? There are a lot of options for bonds. Planning Points Discussed Interest Rates, Credit Rating & Terms of Bonds Treasury Inflation-Protected Securities Government Bond...

Episode Description

In this podcast episode, we have a listener question:

Since interest rates are so low and the bond market is so much bigger than the equity market, what are a good mix of bonds for a portfolio with a lot of bonds? Should it only be high quality corporate or should it be some TIPS, CMO, or anything else? There are a lot of options for bonds.

Planning Points Discussed

Interest Rates, Credit Rating & Terms of Bonds
Treasury Inflation-Protected Securities
Government Bonds vs. Corporate Bonds vs. Collateralized Mortgage Obligations
How to keep your purchasing power
Other issues (i.e. risk tolerance, danger of yield chasing, inflation)

Timestamps:

2:05 - What types of bonds should I invest in?

2:30 - What is a bond?

4:30 - Mortgage Terms (30 year, 20 year, 15 year)

8:30 - Qualified Tax Treatment

9:43 - Bond Yields

12:30 - Where do I start when trying to figure out what’s right for me?

15:30 - The Purpose of Holding Bonds in a Portfolio

20:00 - The Danger of Yield Chasing

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