n******n
发帖数: 12088 | 1 如果你认为现在是难得的借钱时机，为何要把钱借给别人？ | y****i
发帖数: 778 | 2 For treasury, high rating corporate bond, mutual fund or ETF, yes because
the system risk of bond is high due to the end of QE. But for individual
bond, it is like a good deal in the market waiting for you to pick up.
Though the chance is low now compared with last year, you can still find
some good deals at different timing. The best of individual bond is that you
can control the cash flow by yourself, that's the ultimate goal of
investment. If you can earn the interest higher than the borrow rate, why
not? Even you have huge gains from stock or real estate bull market, you
need to lock the profit at one day and put in fixed income to enjoy the life
, without looking at the account or trying to do something everyday.
【在 n******n 的大作中提到】
: 如果你认为现在是难得的借钱时机，为何要把钱借给别人？
| n******n
发帖数: 12088 | 3 "If you can earn the interest higher than the borrow rate, why not?"
you should consider its risk, not just return.
it's a borrower's market. lenders are losing. but some lenders just have too
much cash and don't have option anywhere else.
you
life
【在 y****i 的大作中提到】
: For treasury, high rating corporate bond, mutual fund or ETF, yes because
: the system risk of bond is high due to the end of QE. But for individual
: bond, it is like a good deal in the market waiting for you to pick up.
: Though the chance is low now compared with last year, you can still find
: some good deals at different timing. The best of individual bond is that you
: can control the cash flow by yourself, that's the ultimate goal of
: investment. If you can earn the interest higher than the borrow rate, why
: not? Even you have huge gains from stock or real estate bull market, you
: need to lock the profit at one day and put in fixed income to enjoy the life
: , without looking at the account or trying to do something everyday.
| n******n
发帖数: 12088 | 4 those "high yield", or actually "junk" bond may have some chance as the
default risk is less when economy turns better. but when the price goes up,
they become risky and risky.
too
【在 n******n 的大作中提到】
: "If you can earn the interest higher than the borrow rate, why not?"
: you should consider its risk, not just return.
: it's a borrower's market. lenders are losing. but some lenders just have too
: much cash and don't have option anywhere else.
:
: you
: life
| y****i
发帖数: 778 | 5 You are right because the bench market junk bond yield rate is lower than 6%
now, so even the junk bond mutual fund or ETF have risk. That's why I
recommend BBY 3 year bond of 6% yield at 12/31 because it is high quality
junk bond but treated as single B rating. The risk of default is much lower
than other high yield bonds but the return is much higher than investment
grade bonds rating A or above.
,
【在 n******n 的大作中提到】
: those "high yield", or actually "junk" bond may have some chance as the
: default risk is less when economy turns better. but when the price goes up,
: they become risky and risky.
:
: too
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