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40. Preparing for Rate Cuts: What are Bond Funds?

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Manage episode 423553920 series 3478584
内容由Jessica Inskip and Jessie DeNuit, Jessica Inskip, and Jessie DeNuit提供。所有播客内容(包括剧集、图形和播客描述)均由 Jessica Inskip and Jessie DeNuit, Jessica Inskip, and Jessie DeNuit 或其播客平台合作伙伴直接上传和提供。如果您认为有人在未经您许可的情况下使用您的受版权保护的作品,您可以按照此处概述的流程进行操作https://zh.player.fm/legal

What Is The Bond Market and What Are Bond ETFs?

CPI is “cooling off” which means inflation is trending closer to the Fed’s target, which means a rate cut MAY be in our future! What does that mean? Well if the Fed, you know, good ol "Papa Powell" who we keep talking about, well if they actually go through with cutting rates this is what happens. Interest rates for things like home loans get lower, but that means those high yield savings account rates also get lower. So where do you stash your cash and still get those great returns? Bonds. More specifically, we're looking at Bond ETFs.

We've talked about different types of low risk investing on Ep. 31 about Brokerage CDs but we want y'all to know about all the ways you can make your money make money!

Side Note

Check out Jessica Inskip's most recent appearance on the ⁠Schwab Network Episode⁠ where her worlds collide.

The Bond Market

Ok, so apparently there is not only a stock market, but also a Bond market. Where do we begin?

Need our listeners to know a few things:

  1. You cannot time market, but you can prepare

  2. We are not financial advisors, investing is personal. This is not that.

  3. We are here for educational and information purposes only.

OK, let’s talk about what happened, and define the SEP - series of economic projections.

Most recent: https://www.federalreserve.gov/monetarypolicy/files/fomcprojtabl20240612.pdf

Different ways to lock in rates:

  1. CDs

  2. Treasurys

  3. Municipal Bonds

  4. Corporate Bonds

  5. Bond Funds

    https://www.ishares.com/us/strategies/bond-etfs/build-better-bond-ladders

Ratings Guide:

https://www.fidelity.com/learning-center/investment-products/fixed-income-bonds/bond-ratings#:~:text=Investment%20grade%20and%20high%20yield,rated%20Ba1%2FBB%2B%20and%20lower.

Still Have More Questions or a Comment?

🙋🏾‍♀️🙋🏻🙋🏼‍♀️🙋🏽‍♂️🙋Holla @ us on:

⁠Market MakeHer ⁠⁠website⁠⁠⁠

Subscribe to Our Newsletter

Instagram⁠ ⁠⁠@marketmakeherpodcast⁠⁠⁠

TikTok⁠ ⁠⁠@marketmakeher⁠⁠⁠

X/Twitter⁠ ⁠⁠@MarketMakeHer⁠⁠⁠

Join the Money Coven⁠ ⁠⁠FB Community⁠⁠⁠

👀 Watch us in action on our⁠ ⁠⁠YouTube Channel⁠⁠⁠ 👀

About Us 🌚🌞Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend who is a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We believe that investing is for everyone and that's why we break down complex investing topics (from "Her" perspective), show you free tools/resources on our podcast, and offer a ton of free educational content on our ⁠website⁠!

Important Disclosures:

Market MakeHer podcast is unsponsored at the time of recording.

Tools and resources mentioned are for informational and educational purposes only. Remember, investing involves risk, and there's always a potential for losses when investing in securities.

Market MakeHer LLC provides educational content and resources, but we are not registered financial advisors and do not provide personalized investment advice. Consult with a licensed financial advisor before making any investment decisions.

--- Support this podcast: https://podcasters.spotify.com/pod/show/market-makeher/support
  continue reading

43集单集

Artwork
icon分享
 
Manage episode 423553920 series 3478584
内容由Jessica Inskip and Jessie DeNuit, Jessica Inskip, and Jessie DeNuit提供。所有播客内容(包括剧集、图形和播客描述)均由 Jessica Inskip and Jessie DeNuit, Jessica Inskip, and Jessie DeNuit 或其播客平台合作伙伴直接上传和提供。如果您认为有人在未经您许可的情况下使用您的受版权保护的作品,您可以按照此处概述的流程进行操作https://zh.player.fm/legal

What Is The Bond Market and What Are Bond ETFs?

CPI is “cooling off” which means inflation is trending closer to the Fed’s target, which means a rate cut MAY be in our future! What does that mean? Well if the Fed, you know, good ol "Papa Powell" who we keep talking about, well if they actually go through with cutting rates this is what happens. Interest rates for things like home loans get lower, but that means those high yield savings account rates also get lower. So where do you stash your cash and still get those great returns? Bonds. More specifically, we're looking at Bond ETFs.

We've talked about different types of low risk investing on Ep. 31 about Brokerage CDs but we want y'all to know about all the ways you can make your money make money!

Side Note

Check out Jessica Inskip's most recent appearance on the ⁠Schwab Network Episode⁠ where her worlds collide.

The Bond Market

Ok, so apparently there is not only a stock market, but also a Bond market. Where do we begin?

Need our listeners to know a few things:

  1. You cannot time market, but you can prepare

  2. We are not financial advisors, investing is personal. This is not that.

  3. We are here for educational and information purposes only.

OK, let’s talk about what happened, and define the SEP - series of economic projections.

Most recent: https://www.federalreserve.gov/monetarypolicy/files/fomcprojtabl20240612.pdf

Different ways to lock in rates:

  1. CDs

  2. Treasurys

  3. Municipal Bonds

  4. Corporate Bonds

  5. Bond Funds

    https://www.ishares.com/us/strategies/bond-etfs/build-better-bond-ladders

Ratings Guide:

https://www.fidelity.com/learning-center/investment-products/fixed-income-bonds/bond-ratings#:~:text=Investment%20grade%20and%20high%20yield,rated%20Ba1%2FBB%2B%20and%20lower.

Still Have More Questions or a Comment?

🙋🏾‍♀️🙋🏻🙋🏼‍♀️🙋🏽‍♂️🙋Holla @ us on:

⁠Market MakeHer ⁠⁠website⁠⁠⁠

Subscribe to Our Newsletter

Instagram⁠ ⁠⁠@marketmakeherpodcast⁠⁠⁠

TikTok⁠ ⁠⁠@marketmakeher⁠⁠⁠

X/Twitter⁠ ⁠⁠@MarketMakeHer⁠⁠⁠

Join the Money Coven⁠ ⁠⁠FB Community⁠⁠⁠

👀 Watch us in action on our⁠ ⁠⁠YouTube Channel⁠⁠⁠ 👀

About Us 🌚🌞Market MakeHer is an investing education podcast taught by a 15-year finance expert to her friend who is a beginner investor. Our mission is to demystify the stock market and make financial literacy accessible to all self-directed investors! We believe that investing is for everyone and that's why we break down complex investing topics (from "Her" perspective), show you free tools/resources on our podcast, and offer a ton of free educational content on our ⁠website⁠!

Important Disclosures:

Market MakeHer podcast is unsponsored at the time of recording.

Tools and resources mentioned are for informational and educational purposes only. Remember, investing involves risk, and there's always a potential for losses when investing in securities.

Market MakeHer LLC provides educational content and resources, but we are not registered financial advisors and do not provide personalized investment advice. Consult with a licensed financial advisor before making any investment decisions.

--- Support this podcast: https://podcasters.spotify.com/pod/show/market-makeher/support
  continue reading

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