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With that in mind, consider these various objectives and strategies for achieving them.
You will want to diversify the risks within your bond investments by creating a portfolio of university of essex yoyo several bonds, each with different characteristics.
Investors can also swap to improve credit quality, increase yield or improve call protection.
When you invest in a bond and hold it to maturity, you will get interest payments, usually twice a year, and receive the face value of the bond at maturity.Tax-Free Bonds issued during Financial Year 2015-16.Because bonds have a defined maturity date, they can help you make sure the money is there when you need.The way you invest in bonds for the short-term or the long-term depends on your investment goals and time frames, the amount of risk you are willing to take and your tax status.Treasury bonds with comparable maturities.Keep track of the important dates with our SSB calendar.Perhaps you know that in 22 years you will need a down payment for your retirement home.The investor sells the original bond at a loss, which can be used to offset the taxable capital gain or up to 3,000 in ordinary income.While buy-and-hold is generally best used as a longer-term strategy, life does not always work out as planned.In a taxable investment account, your capital gains and investment income are subject to taxation in the year they are earned.If rates are rising, that maturing principal can be invested at higher rates.Choosing bonds of different maturities helps you manage interest rate risk.They have achieved their return objective.Explore how the return on your investment changes if you redeem the bond before it matures.Your tax or investment advisor can help you analyze the alternatives and reach the best solution.The value of zero coupon bonds is more sensitive to changes in interest rates however, so there is some risk if you need to sell them before their maturity date.Ladders, barbells and bullets can all be implemented with municipal securities for a tax-advantaged approach best achieved outside of a qualified, tax-deferred retirement or college savings account.A bond with a lower credit rating might offer a higher yield, but it also carries a greater risk that the issuer will not be able to keep its promises.
Reasons You Might Sell a Bond Before Maturity.
Bond swapping is another way to achieve a tax-related goal for investors who are holding a bond that has declined in value since purchase but have taxable capital gains from other investments.
Swapping for Other Objectives A tax loss is not the only reason to swap a bond.