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What rising interest rates mean for municipal bonds
 
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John Miller, Nuveen head of municipals, discusses how municipal bonds have been performing in an environment of rising rates.
Views: 317 CNBC Television
Interest Rates and Municipal Bonds
 
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As adoption of index-based municipal bonds as a core holding continues to grow, interest rate risk remains a key concern among advisors. John Mauldin, President of Millennium Wave Advisors, and Brian Lockhart, CIO of Peak Capital Management, sit down with S&P DJI’s Shaun Wurzbach to discuss how interest rates are impacting strategies in the USD 12 billion index-based muni market.
Grant Sees Interest Rate Risk for Municipal Bonds
 
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Feb. 2 (Bloomberg) -- James Grant, publisher of Grant's Interest Rate Observer, discusses risk for municipal bonds and U.K. debt and opportunities in real estate investment trusts. He talks with Pimm Fox on Bloomberg Television's "Taking Stock." (Source: Bloomberg)
Views: 1731 Bloomberg
3 Muni Bond Funds to Ease Interest-Rate Jitters
 
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With interest rates rising, many muni bond investors are getting nervous. We talked to our analysts to share three of their favorite muni bond funds they think will help ease some of these jitters. For all Morningstar videos: http://www.morningstar.com/cover/videocenter.aspx
Views: 763 Morningstar, Inc.
Advantages of Investing in Municipal Bonds
 
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This video discusses the advantages of investing in municipal bonds: namely, the historically lower risk of default (relative to corporate bonds) and tax-exempt nature of most municipal bonds. The video provides an example to show how the after-tax return of a municipal bond can be higher than a corporate bond that has a higher pretax yield. The video also demonstrates why municipal bonds are more attractive to high-income investors by showing that the tax-equivalent yield of a municipal bond increases as a person's tax rate increases. Edspira is your source for business and financial education. To view the entire video library for free, visit http://www.Edspira.com To like us on Facebook, visit https://www.facebook.com/Edspira Edspira is the creation of Michael McLaughlin, who went from teenage homelessness to a PhD. The goal of Michael's life is to increase access to education so all people can achieve their dreams. To learn more about Michael's story, visit http://www.MichaelMcLaughlin.com To follow Michael on Facebook, visit https://facebook.com/Prof.Michael.McLaughlin To follow Michael on Twitter, visit https://twitter.com/Prof_McLaughlin
Views: 7699 Edspira
Taxable Corporate Bonds vs Municipal Bonds (Tax Exempt/Non-taxable) After Tax/Equivalent Formula
 
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In this tutorial/lesson I teach you how to compare taxable bonds such as corporate bonds with non-taxable or tax exempt bonds such as municipal bonds. Investors should always invest in the bond that provides the highest after tax return whether it is a corporate bond vs a municipal bond, corporate bond vs tax exempt bond, taxable bond vs tax free bond, taxable bond vs non taxable bond etc.. I show you how to do this by teaching you the after tax rate of return formula, the equivalent taxable return formula, and the cut-off tax bracket formula.
Views: 4470 Subjectmoney
Disadvantages of Investing in Municipal Bonds
 
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This video discusses several disadvantages of investing in municipal bonds. Municipal bonds typically are less liquid than U.S. Treasury securities or corporate bonds, which means they may be harder to sell on the secondary market or come at a significant markup or dealer spread when being purchased. In additon, municipal bonds are frequently callable, which means investors could be subject to reinvestment risk if interest rates fall and the issuer decides to call the bonds (leaving the investor to reinvest the proceeds at the lower rate of interest). Edspira is your source for business and financial education. To view the entire video library for free, visit http://www.Edspira.com To like us on Facebook, visit https://www.facebook.com/Edspira Edspira is the creation of Michael McLaughlin, who went from teenage homelessness to a PhD. The goal of Michael's life is to increase access to education so all people can achieve their dreams. To learn more about Michael's story, visit http://www.MichaelMcLaughlin.com To follow Michael on Facebook, visit https://facebook.com/Prof.Michael.McLaughlin To follow Michael on Twitter, visit https://twitter.com/Prof_McLaughlin
Views: 5416 Edspira
What Are Municipal Bonds? - Profit From Municipal Bonds
 
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http://www.FtseStockMarket.Info Learn What Are Municipal Bonds and how these are issued by states to earn money from government issued bonds with higher interest rates in the stock market.
Views: 2266 FTSEStockMarket
Municipal Bonds Explained
 
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Investing in bonds isn’t quite as sexy as the stock market, but they offer a level of diversification for your portfolio that’s not to be missed. In this clip, Steve Broido, Alison Southwick, and Robert Brokamp talk about municipal bonds – what they are, why investors should look into them, and how to buy them. This podcast was recorded on Apr. 19, 2016. Imagine owning Amazon.com (up over an insane 4,000% since 2001) when Internet sales rendered big-box retailers obsolete... Now an industry 99% of us use daily is set to implode... And 3 established companies are positioned to take advantage. Click http://bit.ly/1zQXjzy for a stunning presentation. ------------------------------------------------------------------------ Subscribe to The Motley Fool's YouTube Channel: http://www.youtube.com/TheMotleyFool Or, follow our Google+ page: https://plus.google.com/+MotleyFool/posts Inside The Motley Fool: Check out our Culture Blog! http://culture.fool.com Join our Facebook community: https://www.facebook.com/themotleyfool Follow The Motley Fool on Twitter: https://twitter.com/themotleyfool
Views: 905 The Motley Fool
Bond investing in challenging times: What you should know about municipal bonds
 
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In this excerpt from a live webcast aired June 10, 2011, Colleen Jaconetti of from Vanguard Investment Strategy Group and Chris Alwine of Vanguard Fixed Income Group discuss what you should know about municipal bonds. Notes: •All investments are subject to risk. Investments in bonds and bond funds are subject to interest rate, credit, and inflation risk. •Although the income from a municipal bond fund is exempt from federal tax, you may owe taxes on any capital gains realized through the fund's trading or through your own redemption of shares. For some investors, a portion of the fund's income may be subject to state and local taxes, as well as to the federal Alternative Minimum Tax. •Diversification does not protect against a loss in a declining market or ensure a profit. •Past performance is not a guarantee of future results. •The information provided here is for educational purposes only and isn't intended to be construed as legal or tax advice. We recommend that you consult a tax or financial advisor about your individual situation. •Vanguard Marketing Corporation, Distributor.
Views: 4278 Vanguard
Municipal Bonds -- Buying Safe Bonds
 
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Municipal bonds are a great way to earn safe, tax-free income. But the key is finding bonds without risk of default or bankruptcy impairment.
Views: 1198 Creekside Partners
Prerefunded Bonds
 
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This video discusses prerefunded bonds, which are a type of municipal bond that is backed by U.S. Treasury securities. The video provides a comprehensive example to illustrate how bonds become prerefunded: an issuer, wanting to take advantage of lower interest rates, refinances by issuing a second set of bonds at the lower market rate and then uses the proceeds to back the original bond issuance (which are now "prerefunded"). When the prerefunded bonds become callable, the issuer repurchases them from investors. Edspira is your source for business and financial education. To view the entire video library for free, visit http://www.Edspira.com To like us on Facebook, visit https://www.facebook.com/Edspira Edspira is the creation of Michael McLaughlin, who went from teenage homelessness to a PhD. The goal of Michael's life is to increase access to education so all people can achieve their dreams. To learn more about Michael's story, visit http://www.MichaelMcLaughlin.com To follow Michael on Facebook, visit https://facebook.com/Prof.Michael.McLaughlin To follow Michael on Twitter, visit https://twitter.com/Prof_McLaughlin
Views: 2609 Edspira
Municipal bond basics
 
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What's a municipal bond and how does it work? Vanguard investment expert Daniel Wallick provides a primer for muni bonds, including how they're issued and why they can be an advantage for investors. All investing is subject to risk, including the possible loss of the money you invest. *For more information about Vanguard funds, visit vanguard.com or call 877-662-7447 to obtain a prospectus. Investment objectives, risks, charges, expenses, and other important information about a fund are contained in the prospectus; read and consider it carefully before investing.* Although the income from a municipal bond fund is exempt from federal tax, you may owe taxes on any capital gains realized through the fund's trading or through your own redemption of shares. For some investors, a portion of the fund's income may be subject to state and local taxes, as well as to the federal Alternative Minimum Tax. This webcast is for educational purposes only. We recommend that you consult a financial or tax advisor about your individual situation. © 2014 The Vanguard Group, Inc. All rights reserved.
Views: 5178 Vanguard
68: Municipal Bonds, How Insiders Scale Their Tax Free Income
 
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Michael Foster, the ‘CEF Professor’ from Contrarian Outlook, joins us for another episode to explain how to use municipal bonds to scale your tax-free income. During this episode, you’ll find out how to buy municipal bonds, determine if you should buy an individual muni bond, and understand the risk levels of the entire process. You’ll learn how a municipal CEF operates, what tools to use, and how interest rates impact closed end funds. Listen to the end to hear Michael’s top three muni funds and what Sam and Johnny Invest into themselves. Full Show Notes - http://investlikeaboss.com/ilab-68-municipal-bonds-insiders-scale-tax-free-income/ Links: Contrarianoutlook.com - https://contrarianoutlook.com/ The CEF Newsletter - https://contrarianoutlook.com/secure-fast-gains-cefs/WEB1 Where are we: Sam/Michael – Bangkok Johnny – Ukraine Recommended: Link to the newsletter: CEF Insider - https://contrarianoutlook.com/secure-fast-gains-cefs/NR-ILAB0817CEFI 2 Recent Articles on Municipal Bonds: The Shockingly Common Mistake That’s Costing You Thousands - https://contrarianoutlook.com/the-shockingly-common-mistake-thats-costing-you-thousands/ These 6%+ Yielders Are a Screaming Bargain - https://contrarianoutlook.com/these-6-yielders-are-a-screaming-bargain/ The muni funds recommendations discussed: Neuberger Berman New York Intermediate Municipal Fund (NBO) Nuveen New Jersey Quality Municipal Income Fund (NXJ) Pioneer Municipal High Income Trust (MHI) CEFconnect.com - https://www.cefconnect.com/ Discussed: ILAB 63 – Talking CEFs for 9.9%+ Yield with ‘CEF Professor’ Michael Foster - http://investlikeaboss.com/ilab-63-talking-cefs-9-9-yield-cef-professor-michael-foster/ Try FreshBooks Free - https://freshbooks.com/invest Books: Start Here – Recommended Reading - http://investlikeaboss.com/start-here/ Time Stamps: 06:09 – Are muni bonds boring? 07:27 – Why others invest in muni bonds? 09:01 – Tax considerations 10:02 – Three ways to buy municipal bonds 10:40 – Should you buy an individual muni bond? 13:00 – How does a municipal CEF operate? 15:25 – Average cap size 17:10 – Close end funds and rising interest rates 23:03 – Market trends and sell off 25:15 – Tools, software, and historical returns 26:59 – What is the risk level? 27:06 – Default rates 29:29 – California, New Jersey, Illinois 34:46 – Should you worry about fees? 38:55 – Recommended muni funds 48:42 – Investing in muni bonds 57:36 – Wealthfront investments If you enjoyed this episode, do us a favor and share it! Also if you haven’t’ already, please take a minute to leave us a 5-star review on iTunes and claim your bonus here! - http://investlikeaboss.com/bonus/ Copyright 2017. All rights reserved. Read our disclaimer here.
Views: 1608 Invest Like a Boss
Should I Buy Municipal Bonds?
 
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Is it a good idea to buy municipal bonds in this economy? I want to invest in something safe but with a decent yield. Should I buy municipal bonds? You can get both taxable muni bonds and tax-exempt bonds. Tax exempt bonds are popular for people approaching retirement so that they don't have to pay income taxes on the returns. Tax-exempt sounds good. It improves the rate of return. You are taking a big risk on interest rates. If the interest rates skyrocket, you'll lose money on the bonds. That is true for any bonds. You're taking a risk that the city isn't going to go bankrupt like Detroit. That is a very rare event. Because many cities in the Rust Belt, California and Northeast borrowed heavily to pay for infrastructure and unions, there are hundreds of municipalities at risk of bankruptcy. Building roads is an investment. Bonds are like credit cards for cities. They built stadiums, convention centers and even theme parks, and in some cases, are paying off the bonds for buildings that no longer exist. That is bad, or sad. I can't decide. But you mitigate the risk by buying bond funds, instead of just individual bonds. Infrastructure projects like roads, bridges and schools build up a city's value. That will improve the tax base over time. Billion dollar schools don't teach better than cheaper ones, and cities using bonds to pay over-priced teachers and pensions could easily default. Sounds like you are dead set against muni bonds. You don't see bonds as an investment in your community? They spend billions on education and end up with lots of functionally illiterate kids. They spend billions on stadiums for losing teams and come up with numbers to make it sound good. If it builds the community - For as much as my property taxes went up to pay for the new stadium bonds, we all ought to get free lifetime tickets, not pay $10 for parking and $30 to walk in. You're right. One city may do stupid stuff with the money -- bond fund it is.
Views: 1814 Money Wise
Investopedia Video: What Is A Municipal Bond?
 
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Municipal bonds, often called munis, are considered a debt instrument because when the investor purchases one, he or she is essentially loaning funds to the authority that issued it. In exchange, the authority promises to pay interest, called the coupon rate, during the years prior to maturity, at which point it repays the bond's par value.
Views: 11611 Investopedia
Expert: Municipal bonds outperform other fixed income during periods of rising rate
 
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Peter Hayes, managing director, CIO and head of Blackrock's Municipal Bond Group, discusses whether the fear of rising rates will push investors to buy into municipal bonds. » Subscribe to CNBC: http://cnb.cx/SubscribeCNBC About CNBC: From 'Wall Street' to 'Main Street' to award winning original documentaries and Reality TV series, CNBC has you covered. Experience special sneak peeks of your favorite shows, exclusive video and more. Connect with CNBC News Online Get the latest news: http://www.cnbc.com/ Find CNBC News on Facebook: http://cnb.cx/LikeCNBC Follow CNBC News on Twitter: http://cnb.cx/FollowCNBC Follow CNBC News on Google+: http://cnb.cx/PlusCNBC Follow CNBC News on Instagram: http://cnb.cx/InstagramCNBC #CNBC
Views: 276 CNBC Television
Explaining Bond Prices and Bond Yields
 
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​In this revision video we work through some numerical examples of the inverse relationship between the market price of fixed-interest government bonds and the yields on those bonds. ​Government bonds are fixed interest securities. This means that a bond pays a fixed annual interest – this is known as the coupon The coupon (paid in £s, $s, Euros etc.) is fixed but the yield on a bond will vary The yield is effectively the interest rate on a bond. The yield will vary inversely with the market price of a bond 1.When bond prices are rising, the yield will fall 2.When bond prices are falling, the yield will rise - - - - - - - - - MORE ABOUT TUTOR2U ECONOMICS: Visit tutor2u Economics for thousands of free study notes, videos, quizzes and more: https://www.tutor2u.net/economics A Level Economics Revision Flashcards: https://www.tutor2u.net/economics/store/selections/alevel-economics-revision-flashcards A Level Economics Example Top Grade Essays: https://www.tutor2u.net/economics/store/selections/exemplar-essays-for-a-level-economics
Views: 43553 tutor2u
The Time-Varying Interest Rate Sensitivity of Municipal Bonds
 
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Haim A Mozes http://jwm.iprjournals.com/content/18/2/47 This article demonstrates that municipal bonds’ interest rate sensitivity is a function of how inexpensive municipal bonds are relative to Treasury bonds. The difference between municipal bond yields and Treasury bond yields is used to measure their relative cost. Key results are that 1) the less expensive municipal bonds are relative to Treasury bonds, the lower the interest rate sensitivity of municipal bonds; and 2) after controlling for the level of municipal bond yields, the cheaper municipal bonds are relative to Treasury bonds, the higher the return on municipal bonds. These results have important implications for investors seeking to hedge the interest rate risk of municipal bonds or to evaluate municipal bond investment opportunities.
Views: 7 IPR Journals
US Savings Bonds
 
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http://www.profitableinvestingtips.com/bond-investing/us-savings-bonds US Savings Bonds By www.ProfitableInvestingTips.com US savings bonds are often thought of as a poor man's route to savings. Many aggressive investors and traders scoff at the idea of buying US savings bonds every payday and holding them for as long as thirty years. However, there are a number of advantages to buying and holding US savings bonds. As with all investment opportunities a little fundamental analysis of the subject is useful. So before comparing US savings bonds to dividend stocks, US Treasuries, or municipal bonds let us look at a few specifics about US savings bonds. US Savings Bonds These bonds are available in Series EE and Series I. Electronic series EE bonds are purchased via a Treasury Direct account for face value and paper series EE bonds are purchased at their face value. One earns a fixed rate of interest for the thirty year term of the bond. The treasury guarantees that the bonds will double in face value in twenty years. Series I bonds sell at face value at interest rates guaranteed to exceed that of inflation. These bonds are not tradable. The maturity periods can vary. For example, if you buy a bond with a value of $50 for $25, you'll have to wait at least 17 years to get back your investment from the government. US savings bonds are exempt from state and local taxes. Federal tax is deferred until the bond is cashed in. Interest may be tax exempt if you can document that interest was used to pay qualified higher education expenses and provide that your income falls within federal guidelines for this benefit. As with many long term investments you will commonly cash in US savings bonds when you are retired and when your tax rate is low. US savings bonds pay interest twice a year and are redeemed at par value at maturity. Savings Bonds come in eight values: $50, $75, $100, $200, $500, $1,000, $5,000 and $10,000. Why Purchase US Savings Bonds? There are certainly lots of investments that can make a lot more money over the years than US savings bonds. And there are lots of investments that can disappear in a puff of smoke during an economic downturn. US savings bonds are like money in the bank. A good rule of thumb for investing is to first pay off credit card debt, invest in your home, and put six months of savings away for emergencies. Think of US savings bonds in this context. US Savings Bonds versus Municipal Bonds Like municipal bonds, US savings bonds are free of state and local taxes. Unlike municipal bonds US savings bonds are less likely to default than when cities like Detroit declare bankruptcy. US Savings Bonds versus Dividend Stocks Dividend stocks are a common way to balance the risk in an aggressive stock portfolio. However, even large cap stocks can fall in price or fall out of favor. When markets are falling US savings bonds still maintain their value and pay interest. Buying US Savings Bonds Bonds are purchased with a Treasury Direct account. For such an account you need a social security number, a driver's license, a checking or savings account, and an email address. According to the US Treasury site: Minimum Purchase: $25 Maximum Purchase: $30,000 per person per year Interest: 90% of 6-month average of 5-year Treasury security yields, added monthly and paid when the bond is cashed Minimum Term Of Ownership: 12 months Early Redemption Penalty: Forfeit three most recent months' interest if cashed before 5 years http://youtu.be/YiLuGt62mZA
Views: 19187 InvestingTip
Personal Finance : How to Purchase Municipal Bonds
 
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When buying municipal bonds, make sure that the interest rate is right. Purchase municipal bonds carefully and take taxes into account, with tips from a financial planner in this free video on personal finance and the stock market. Expert: Chris Markowski Contact: www.watchdogonwallstreet.com Bio: Christopher Markowski is the founder of the financial planning firm, Markowski Investments. Filmmaker: Christopher Rokosz
Views: 1686 eHow
🔴Should I Move Out of Stocks and Into Tax Free Municipal Bonds. The Stock Market is Dropping
 
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Why Not Just Put My Stocks into a Tax Free Municipal Bond and Collect 5% for 20 Years. Tax Benefits of Municipal Bonds First, and most important, the interest income is exempt from federal income tax. For example, if you earn a 4% return on a taxable investment and you are normally in the 25% bracket, your after-tax return is only 3%. Even worse, it declines to 2.42% for someone in the current top 39.6% bracket. Conversely, a tax-free municipal bond yielding 4% is the equivalent of a taxable bond yielding (not counting other investment characteristics) 6.62% for a top-bracket taxpayer. What are Municipal Bonds? Municipal bonds are debt instruments issued by city and local governments. They are normally used to raise money for capital investment in local projects such as schools, streets and highways, bridges, hospitals, public housing, and utilities. Types of Municipal Bonds Municipal bonds are generally issued as one of three types of debt obligation: General Obligation (GO) Bonds repay based on the “full faith and credit of the issuer” and are considered the most secure type of bond, carrying the lowest interest rate. Revenue Bonds repay from a specified future stream of income, such as a utility or payments from customers or tenants. Assessment Bonds obligate repayment from property tax assessment within the municipality. Advantages Free from Federal Taxes. Free from State and Local Taxes. Tax Advantaged Compound Growth and/or Income. Lower Volatility Than Stocks (Fixed Income Assets). High Level of Liquidity. Disadvantages Bond Yields May Not Beat Inflation. Interest Rate Risk. Risk of Default and Loss of Capital.
Views: 67 Wisdom Investor
Beginner Investing : Understanding Municipal Bonds
 
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Municipal bonds, or muni-bonds, are funds that are used by municipalities to keep their infrastructure going. Find out why municipal bonds pay a higher rate of interest than traditional U.S. treasury bonds with help from a registered financial consultant in this free video on investments and personal finance. Expert: Patrick Munro Contact: www.northstarnavigator.com Bio: Patrick Munro is a registered financial consultant (RFC) with outstanding sales volume of progressive financial products and solutions to the senior and boomer marketplace. Filmmaker: Reel Media LLC
Views: 3245 ehowfinance
Municipal Bonds
 
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Municipal bonds are subject to availability and change in price. They are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise. Interest income may be subject to the alternative minimum tax. Municipal bonds are federally tax-free but other state and local taxes may apply. *This is an older video that has been re-uploaded.
Fixed Income Investing in a Rising Rate Environment
 
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Watch this webinar to learn about opportunities in fixed income investing in a rising interest rate environment. In the recording of the live webinar, Alex Etzkowitz, senior associate in the Investment Research and Strategy department at Gurtin Municipal Bond Management, shares details about: • Whether the Fed anticipates increasing their fed funds target rate over the next year and beyond • Words of caution about speculating about interest rate hikes from past Fed chairs, Bernanke and Yellen • How professional forecasters have fared in predicting interest rate movements, historically • What interest rate risk is • Definitions of Macaulay duration, modified duration, and effective duration • How duration is used to measure interest rate sensitivity • Examples of duration in Treasuries versus in municipal bonds • Tactical and strategic approaches to duration exposure • Potential downside risks to certain approaches, namely, market price risk and reinvestment risk • Why fixed income investors should not fear duration • Instead, why municipal bond investors should match their investment horizon and volatility appetite to duration • The beauty of investing in laddered municipal portfolios when rates are expected to rise • Gurtin strategies that protect against volatility even in a rising interest rate environment If you would like to learn more about opportunities for fixed income investing when rates are expected to rise, please contact us by emailing [email protected] or by calling 858-436-2200. See important related disclosures: https://www.gurtin.com/disclosures/.
Fixed Income High Yield Money Market, CD and Short Term Bonds
 
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Fixed Income High Yield Money Market, CD and Short Term Bonds Many investors and non investors want to park their money and get the best interest rate and yield. With the rising interest rate environment, rates on CD's, Money Market Funds, Short Term Bond Funds have become more attractive. Fixed Income Investing- Money Market, CD and Short Term Bonds High Yield US Treasury Note - 2.80% - 2 year maturity 2.60% - 1 year maturity Money Market VMMXX Vanguard Money Market Prime - 2.13% SWVXX Charles Money Market Fund - 2.03% SPRXX Fidelity Money Market Fund - 1.90% CD's - Certificate of Deposit 1 year - 2.65% 2 year - 3.00% Short Term Bond Taxable DLSNX - Double Line Low Duration Bond Fund - 3.26% FFRHX - Fidelity Floating Rate High Income - 4.21.% Tax Exempt VWSTX - Vanguard Short Term Tax Exempt Fund 1.73% Duration 1.1 Years VWAHX - Vanguard High Yield Tax Exempt Fund 3.31% Duration 6.6 Years Investment Grade Corp Bonds High Yield Bonds Municipal Bonds
Views: 416 Wisdom Investor
What 4.1% U.S. Economic Growth Means to Muni Bonds
 
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Aug.01 -- Jeffrey Lipton, head of muni research and strategy at Oppenheimer, discusses the impact of 4.1 percent U.S. economic growth on state credit and municipal bonds. He speaks with Bloomberg's Taylor Riggs in this week's "Muni Moment" on "Bloomberg Markets."
How to Reduce Taxes Under New Tax Law (2018) Interest Income
 
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Interest and dividend income are other areas of the tax code that punishes the ignorant. You have income on lines 8a, 8b, 9a and 9b? Why? Is there a strategic reason for earning this income in order to pay tax? If so, that's fine. Maybe you need the cash to help pay the bills, pay tuition, take a vacation, etc. However if you're receiving this income because of how your investments are designed without any strategic intent, I suggest you consider a different plan of action Let's start by looking at what types of income you have. If you have interest income, from bonds and/or CDs, this income is taxed at ordinary income rates. Worse yet, there is NOTHING you can do about it other than paying the tax on it...as ordinary income. Consider moving ANY holding you have that yields ordinary income(OI), into your Traditional IRA in order to defer those OI taxes as long as you possibly can. Remember your IRA is taxed as Ordinary Income anyway. So, having an IRA taxed at those rates PLUS having investment income taxed at the same means your paying too much in tax. If you have municipal bond income, i.e., 'tax exempt interest' consider scrapping those and instead moving into corporate and/or government bonds inside your IRA. Because municipals are tax free they offer a much lower interest rate than corporate and government bonds. So, for simplicity, say a municipal bonds yields 2.5% a corporate bond will pay more because it's income is taxed. A corporate bond with similar maturity date may pay 4%. This means it takes $320,000 in assets to yield $8,000 in income for the municipal bond but only $227,272 for the corporate bond AFTER taxes for someone in the 12% bracket! That is a significant difference in the allocation amount to corporate bonds over tax free bonds to receive the same after tax income. We don't municipal bonds, unless we're in the higher tax brackets, those above 22%. We don't want ANY bonds in our taxable account either. We want bonds in our Traditional IRA. Secondly, we want dividend paying stocks, the investments that give us income on lines 9a and 9b, in our ROTH IRA. DIvidends we don't need only cause higher taxes. Avoid that. Move your income-oriented stocks to your Roth. Lastly, we want your most aggressive holdings, ideally the ones with little to no dividends or capital gains in your taxable accounts. The unrealized appreciation on these investments cause you NO tax. Because these holdings are aggressive they should pay no dividends whatsoever. Lastly when it does come time to sell a position in order to generate cash, you can work the tax code to do it in the most tax-favored way possible. You can't do with other income you receive from your investments. Finally, at death, the growth of these aggressive accounts transfer TAX FREE to your heirs because of the step up basis rules. IRA accounts don't have that benefit. Roth IRA accounts don't have a step up in basis but they are tax free anyway, which is just as good. At the end of the day, it's up to YOU to understand the tax code to take advantage of it to your benefit. If your advisor isn't helping you with this, well, hate to sound brutal but seek a new advisor! ================================= If you like what you see, a thumbs up helps A LOT. So, give me a thumbs up, please! Don't forget to SUBSCRIBE by clicking here: https://www.youtube.com/channel/UCSEzy4i9xrKPoaU9z0_XbmA?sub_confirmation=1 GET MY BOOK: Strategic Money Planning: 8 Easy Ways To Put Your House In Order It's FREE if you're a Kindle Unlimited Subscriber! https://amzn.to/2wKGi50 GET ALL MY LATEST BLOGPOSTS: http://heritagewealthplanning.com/blog/ PODCAST: https://itunes.apple.com/us/podcast/josh-scandlen-podcast/id1368065459?mt=2 LET'S SOCIALIZE! Facebook: http://Facebook.com/heritagewealthplanning Linkedin: https://www.linkedin.com/in/joshscandlen/ Quora: https://www.quora.com/profile/Josh-Scandlen Google +: https://plus.google.com/u/1/108893802372783791910
Municipal bonds and your portfolio
 
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Taxes, quality, risk: There are many factors to weigh when building your portfolio. Vanguard fixed income experts Daniel Wallick and Chris Alwine describe the important role municipal bonds can play in a diverse investment strategy. All investing is subject to risk, including the possible loss of the money you invest. Credit-quality ratings are obtained from Standard & Poor's and are measured on a scale that generally ranges from AAA (highest) to D (lowest). *For more information about Vanguard funds, visit vanguard.com or call 877-662-7447 to obtain a prospectus. Investment objectives, risks, charges, expenses, and other important information about a fund are contained in the prospectus; read and consider it carefully before investing.* Although the income from a municipal bond fund is exempt from federal tax, you may owe taxes on any capital gains realized through the fund's trading or through your own redemption of shares. For some investors, a portion of the fund's income may be subject to state and local taxes, as well as to the federal Alternative Minimum Tax. This webcast is for educational purposes only. We recommend that you consult a financial or tax advisor about your individual situation. © 2014 The Vanguard Group, Inc. All rights reserved.
Views: 5855 Vanguard
AAA Municipal Bonds - Tax Tip #10
 
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Consider investing in AAA municipal bonds. A 2% rate of interest on a municipal bond is equivalent to a 3.5% taxable bond if the individual is...
Views: 67 MBAF
Rising Interest Rates and Bonds
 
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Adam Bold, founder and CEO of The Mutual Fund Store, worries about a bond bubble in the current interest rate environment.
Views: 1600 Financial Engines
What Is The Interest Rate On Government Bonds?
 
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This makes treasury current interest rates. Us 10 year government bond interest rate is at 2. Today (3 22 2012) the interest rate on ee series savings bond 3 feb 2016 treasury yields keep sliding. Coupon interest and yield for etbs treasury bonds how to earn 3. Rates are mainly determined by the price charged lender, risk from get updated data about us treasuries. But amazingly enough, u. When i read this statement, thought it was odd. Us 10 year government bond interest rate ycharts. The 8% government of india bonds livemint. Latest bond rates, interest libor and interbank rates ft. Interest rates long term interest oecd data. Average interest rates on u. Rates & bonds bloomberg. Negative interest rates a third of all government bonds are quartz. 5% on a us savings bond forbes. Show is the interest rate on a treasury bond determined? Interest rates and your investments investopedia. If you are just remember anything that increases the demand for long term treasury bonds puts downward pressure on interest rates (higher higher refer to government maturing in ten years. Graph and download economic data from jan 1957 to oct 2016 about india, securities, bonds, government, interest rate, interest, rate at karvy value, chose a list of top tax free bonds in india with coupon & last traded price, etc. 13 apr 2016 other comparable products such as fixed deposits from banks like sbi and hdfc bank pay a maximum of 7. The incredible shrinking interest rate febtreasury bonds cbk central bank of kenya. Fixed rate from jul 2017, inflation effective 01 jun 2017. List of best government bonds in india bond 10y calendar average interest rates on u. Sthe files listed below illustrate the average interest rates for marketable and non securities over 15 apr 2015 explore difference between bond coupons, what determines current yield on debt instruments, why treasury prices most investors care about future rates, but none more than bondholders. The bonds will bear interest at the rate of 8. Government of india savings bond make a comeback. Under income tax act, the by interest on india 10y increased 0. Bond rates look shockingly high when compared to yields for other developed most treasury bonds in kenya are fixed rate, meaning that the interest rate determined at auction is locked entire life of bond. Rates rsa retail savings bonds. 19 Government of india savings bond make a comeback. Find information on government bonds yields, muni and interest rates in the usa 7 jul 2016 if you were to buy, at random, any bond, there is a one three third of global debt now has negative latest international benchmark treasury bond rates, yield curves, spreads, interbank official coupon rate set when first issued by australian are medium long term securities that carry an annual fixed over life 22 mar 2012 source us dept. Feb 2017 they carry an assured interest rate of. Bonds infrastructure bonds, bonds market, capital gains interest rates, government securities, for india tax free. Inflation rate inflation linked 5 year bond, 2.
Views: 149 new sparky
Municipal Securities - Basic Analysis
 
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This is the third video in a series of presentations prepared by FDIC staff to provide an overview of key elements in the evaluation of municipal securities. This series of presentations is designed for community bank management, and is targeted at those individuals involved in the supervision of the securities portfolio, including members of the investment and asset/liability management committees. This video discusses a basic method for analyzing municipal securities that can be used for pre-purchase analysis and on-going monitoring, including an assessment of credit risk, interest rate risk, and liquidity risk. This basic framework may be sufficient for lower-risk municipal bonds, and can also be used to identify higher-risk bonds where expanded analysis is warranted. The video also provides a list of resources to assist in the overall risk management process.
Views: 3199 FDICchannel
Municipal Bonds: Myths vs. Reality
 
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www.ETFguide.com
Views: 626 ETFguide
Types of Bonds, Bond Ratings
 
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Join the course on introduction to investments on http://symynd.com/. Topic covered: Interest Rates, Corporate Bonds, Government Bonds, Mortgage-Backed Securities, interest & repayment of principal, corporate bonds, municipal bonds, Federal government bonds (a.k.a. Treasury bonds, T-bonds, "Treasuries"), trust indenture (a.k.a. bond indenture, indenture), trustee, protective covenants, convertible bonds (more about convertibles later), inverse relationship of bond prices and interest rates, when interest rates fall, bond prices rise -- when interest rates rise, bond prices fall, bonds versus stocks, risks: interest rate risk, purchasing power risk, business / financial risk, liquidity risk, call risk (prepayment), nominal rate (a.k.a. "coupon rate") versus current yield versus yield to maturity, face value (a.k.a. par value, normally $1,000 denominations), maturity dates, term bonds versus serial bonds versus sinking fund, bonds versus notes, call provision, call premium, put provision (unusual), par value (a.k.a. "par") versus premium versus discount, Treasury Bonds & Notes (versus Treasury Bills), TIPs -- Treasury Inflation-Indexed Obligations, agency bonds (examples: Fannie Mae, Freddie Mac, Ginnie Mae, Sallie Mae), mortgage bonds (a.k.a. mortgage-backed bonds, mortgage-backed securities), collateralized mortgage obligations, municipal bonds (general obligation bonds -- "GO's", revenue bonds, special tax bonds), tax-exempt yield and taxable equivalent yield , corporate bonds, senior bonds versus junior bonds, debentures versus subordinated debentures, income bonds, zero-coupon bond, "junk bonds" (a.k.a. high yield bonds), foreign bonds, bond ratings, bond trading and bond quotes
Views: 1500 symynd
Life Insurance, Muni Bonds, and Rising Rates
 
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This video explores the history of municipal bond yields and how rising rates will cause serious challenges. Life insurance, however, may benefit greatly from a rising interest rate environment. ================================================ Click here to subscribe to our channel with ongoing videos on this banking concept: https://www.youtube.com/c/Bankingtruthscom ================================================ For more great videos on life insurance as your own private bank visit: https://BankingTruths.com/Videos ================================================ Have questions or insights? Type them into the comments sections below…
Views: 388 Banking Truths
Municipal Bond Investment
 
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http://www.profitableinvestingtips.com/bond-investing/municipal-bond-investment Municipal Bond Investment By www.ProfitableInvestingTips.com Municipal bond investment may be an attractive option for investors in the coming year. When the Fed eventually cuts its quantitative easing stimulus plan rates will go up. That will make bonds attractive. However, with higher interest rates come higher taxes. Municipal bonds have the advantage of not carrying a Federal Tax burden. Municipal bond investment may be a good conservative version of today's value investing. Municipal Bonds A municipal bond is issued by a municipality. That is local government or government agencies, not the state or federal government. Issuers can include school districts, airports, utilities, and more. The bonds can be a general obligation of the municipality to repay or may be tied to an income stream such as taxes assessed at an airport, or property tax assessed to support a school district. What makes municipal bonds attractive to those in high tax brackets is that their interest is typically exempt from federal taxes and often free of state or local taxes as well. When an investor looks at the return from taxable corporate bonds or dividends on dividend stocks he or she will calculate the return on investment after taxes when comparing the investment to a municipal bond investment. Safety of Municipal Bond Investment Municipal bond investment is historically pretty safe. That should be said as the headlines are full of news on huge state and local deficits. However, over the last decades the default rate on municipal bonds has been less than 1% while the default rate on corporate bonds has been over 10%. Nevertheless, municipal bond investment in more than one municipality in order to balance risk is not a bad idea. A fundamental analysis of municipal bonds should include a number of specifics. Not all municipal bonds are tax exempt! A bond offering will typically come with certification by a law firm that the bonds are tax exempt and to what degree. If you as the investor do not live in the municipality or state where the bonds are issued you will probably not be eligible for a local or state tax exempt status, if it is part of the bond. Bonds are rated by agencies such as Moody's or Standard and Poor's. To the extent that there is a risk of default it will be wise to make sure that the bonds have an investment grade rating. As of 2008 there had never been a default on a Moody's or Standard and Poor's Aaa/AAA municipal bond or a Standard and Poor's AA rated bond. Investment grade municipals in general have a historic rate of default of less than a fifth of a percent. As with all investments the investor should sit down with paper and pencil (or at the computer) and calculate the return on investment of municipal bonds versus other investments considering the relatively low level of risk involved. Depending upon if the stimulus program goes away rates may or may not rise. If so municipal bond investment may be an attractive vehicle for those soon to be paying higher taxes. http://youtu.be/x4jjzIC7gIs
Views: 486 InvestingTip
Municipal Securities - Variable Rate Demand Obligations (VRDO)
 
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Members :: Treasury Consulting Pte Ltd Pleased to Present Video Titled - " Municipal Securities - Variable Rate Demand Obligations (VRDO) ". Video would be covering about as how Municipals can take funds from the Institutional Investors which are backed by Direct Pay Letter of Credit (DPLC) using Variable Rate Demand Obligations (VRDO) You are most welcome to connect with us at 91-9899242978 (Handheld), 91-011-40199774 (Fixed Income KPO, LPO), Skype - Rahul5327, [email protected] or www.fixedincome.global or www.treasuryconsulting.in
A CEF Q4 Market Update: Muni Bonds, Equity Funds & More
 
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With the Fed in a period of increasing interest rates, Eaton Vance's Jonathan Isaac discusses its impact on municipal bond closed-end funds, also touching on advantages of income-oriented equity funds and more.
What is MUNICIPAL BOND ARBITRAGE? What does MUNICIPAL BOND ARBITRAGE mean?
 
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What is MUNICIPAL BOND ARBITRAGE? What does MUNICIPAL BOND ARBITRAGE mean? MUNICIPAL BOND ARBITRAGE meaning - MUNICIPAL BOND ARBITRAGE definition - MUNICIPAL BOND ARBITRAGE explanation. SUBSCRIBE to our Google Earth flights channel - http://www.youtube.com/channel/UC6UuCPh7GrXznZi0Hz2YQnQ?sub_confirmation=1 Source: Wikipedia.org article, adapted under https://creativecommons.org/licenses/by-sa/3.0/ license. Municipal bond arbitrage, also called municipal bond relative value arbitrage, municipal arbitrage, or just muni arb, generally consists of building a leveraged portfolio of high-quality, tax-exempt municipal bonds and simultaneously hedging the duration risk in that municipal bond portfolio by shorting the equivalent taxable corporate bonds. These corporate equivalents are typically interest rate swaps referencing Libor or BMA (short for Bond Market Association). Muni arb is a relative value strategy that seizes upon an inefficiency that is related to government tax policy; interest on municipal bonds is exempt from federal income tax. Because the source of this arbitrage is artificially imposed by government regulation, it has persisted (i.e., it has not been "arbed away") for decades. The arbitrage manifests itself in the form of a relatively cheap longer maturity municipal bond, which is a municipal bond that yields significantly more than 65% of a corresponding taxable corporate bond. The steeper slope of the municipal yield curve allows participants to collect more after-tax income from the municipal bond portfolio than is spent on the interest rate swap; the carry is greater than the hedge expense. Positive, tax-free carry can reach into the double digits. The bet in municipal bond arbitrage is that, over a longer period of time, two similar instruments--municipal bonds and interest rate swaps--will correlate with each other; they are both very high quality credits, have the same maturity and are denominated in U.S. dollars. Credit risk and duration risk are largely eliminated in this strategy. However, basis risk arises from use of an imperfect hedge, which results in significant, but range-bound principal volatility. The end goal is to limit this principal volatility, eliminating its relevance over time as the high, consistent, tax-free cash flow accumulates.
Views: 37 The Audiopedia
Managing Interest Rate Risk with Munis
 
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Index-based strategies for tracking short maturity municipal bond and maturity series municipal bonds are used by financial advisors as tools to manage and express their views on interest rate risk including muni bond laddering. BlackRock’s Director of Fixed Income Strategies sits down with S&P DJI’s J.R. Rieger and Shaun Wurzbach to discuss how muni strategies are being used to manage risk in today’s markets.
Bond Market : How Much Does a Municipal Bond Cost?
 
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A municipal bond will have a lesser value if interest rates go up, and bond prices go down when a state, city or county has a deficit. Talk to a stockbroker about the advantages and disadvantages of municipal bonds with help from a personal asset manager in this free video on the bond market and money management. Expert: Roger Groh Bio: Roger Groh is the founder of Groh Asset Management. Filmmaker: Bing Hu
Views: 1975 ehowfinance
Types of Debt Securities
 
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Discover different types of debt instruments, including Government securities, Government agencies, municipal bonds, and corporate bonds. This educational video is part of Zions Direct University's Beginner series. Questions or Comments? Have a question or topic you’d like to learn more about? Let us know: Twitter: @ZionsDirectTV Facebook: www.facebook.com/zionsdirect Or leave a comment on one of our videos. Open an Account: Begin investing today by opening a brokerage account or IRA at www.zionsdirect.com Bid in our Auctions: Participate in our fixed-income security auctions with no commissions or mark-ups charged by Zions Direct at www.auctions.zionsdirect.com
Views: 47298 Zions TV
How to purchase municipal bonds W/Etrade (3 min)
 
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How to purchase municipal bonds W/Etrade (3 min) The Investor Show is an financial literacy and commentary show that features a number of investors, financial experts, professional athletes, business owners and more. The views of each video are not advice. Books: https://amzn.to/2IXCO0P Email: [email protected] Facebook: https://www.facebook.com/theinvestors... Instagram: https://www.instagram.com/theinvestor... Workshop: http://www.theinvestorshowtv.com/videos/ Podcast: http://www.theinvestorshowtv.com/podcast/ Twitter: https://twitter.com/royalfinancials Website: www.theinvestorshowtv.com
Views: 794 The Investor Show
Municipal Bonds: Still "on Track for a Train Wreck"
 
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http://www.elliottwave.com/Investor-Research/Financial-Forecast-Service?tcn=ytv1703 The head of credit research for a municipal-bond management firm just commented: "We haven't seen this in a modern state before." He was talking about Illinois' deep fiscal trouble. Look at the eye-brow-raising credit spread.
Should you invest in muni bonds?
 
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Turmoil and losses in the municipal bond market has some investors wondering if they should consider dumping their holdings.
Views: 247 CNN Business
The case for investing in municipal bonds | Columbia Threadneedle
 
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Why should investors consider municipal bonds? In this video, Head of Municipal Investing Catherine Stienstra explains several factors that make municipal bonds a compelling choice today. Taxable-equivalent yields are attractive and the default rate is generally low. Importantly, municipal bonds can outperform in a rising rate environment. To read our latest investment insights, click here: https://www.columbiathreadneedleus.com/blog For more videos from Columbia Threadneedle Investments: https://www.youtube.com/ctinvest_us To learn more about Columbia Threadneedle Investments, click here: http://www.columbiathreadneedle.com/us
government bond explained | government schemes 2018 | What are bonds | latest bonds
 
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Hello friends in this video we will see latest bonds from government. The government has announced the launch of 7.75% Savings (Taxable) Bonds, 2018, which will open for subscription from January 10, 2018. The bonds will have a maturity of seven years. ---------------------------------------------------------------------------------------------------- Share, Support, Subscribe!!! Subscribe: https://goo.gl/yNw13g Youtube: http://www.youtube.com/c/Finbaba Twitter: http://www.twitter.com/finbabaIndia Facebook: http://www.facebook.com/finbabaIndia Instagram: http://instagram.com/finbabaIndia ----------------------------------------------------------------------------------------------------- Subscribe Our Channel click Here for Latest Video https://goo.gl/yNw13g ----------------------------------------------------------------------------------------------------- Related Videos : Save Tax under section 80C : https://youtu.be/y5Sat6TcJHs Mutual funds : https://youtu.be/-gP4HfMCeBQ Gold ETFS :https://youtu.be/EPjiho6m1XI Arbitrage fund : https://youtu.be/3oyryG22H4I How to find stop loss : https://youtu.be/jZugeeEVSP0 FCNR account : https://youtu.be/G4GFoQFy_RI Stock Market Tax : https://youtu.be/hcYDeXEW6eY Stock Split : https://youtu.be/NQpW2oBemyk How to Buy Share Onlie https://youtu.be/g8Eb1LVNXM0 What is Cnadle stick https://youtu.be/-Sjhv7h3IT8 ------------------------------------------------------------------------------------------------------- Open Demat account :https://zerodha.com/open-account?c=ZMPASV ------------------------------------------------------------------------------------------------------- About: FinBaba is a you-tube channel, where you can get Information about Banking, finance, Stock market basic and Advance, Forex, Mutual funds and many more. Thanks For Watching this Video. !
Views: 59839 Fin Baba
[Economy Lecture] L2/P2: Inflation Indexed Bonds (IIB), Nominal vs Real Interest rates
 
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1. What is the difference between nominal interest rate vs real interest rate? 2. Why do people invest in gold and real-estate during inflation? 3. Why is excessive gold-consumption bad for Indian economy? How to prevent it? 4. Differences between IIB an IINSS-C 5. Computation mechanism for interest paid on IIB, how is it linked with inflation? 6. Why are inflation indexed bonds (IIB) losing their sheen in 2015? Powerpoint available at http://Mrunal.org/download Venue: Sardar Patel Institute of Public Administration (SPIPA), Satellite, Ahmedabad, Gujarat,India Exam-Utility: UPSC CSAT, CDS, CAPF, SSC, IBPS, Banking, MBA interview
Views: 284804 Mrunal Patel

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