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Why Invest in Corporate Bonds, and What to Expect From Them

Why Invest in Corporate Bonds, and What to Expect From Them

Corporate bonds are debt instruments issued by an insurance company to raise capital. They are designed to be risk free for the investor, who receives a stated interest rate on the debt.

These bonds have many uses in business. They are one of the most popular types of debt instrument that companies use to finance their growth and expansion plans. The advantages of corporate bonds include low cost, high liquidity, and tax-free investments.

Before you start investing, however, you would do well to acquaint yourself with some of the benefits, but also with some of the risks, of investing in corporate bonds. Enlightening you on this is the purpose of this article.

Why Invest in Corporate Bonds?

Corporate bonds come with a variety of potential upsides, both for the company and the investor. While they make it easier for the company to raise funds, they provide investors with the security of fixed interest rates, and an income that is linked to the performance of the company in which it is invested. Some more reasons to invest in corporate bonds include:

  1. Interest rates are quite low in comparison to other investment options available today.
  2. They offer a predictable future return on investment – this makes them appealing for conservative investors who want a guaranteed return on their capital, but aren’t too comfortable with riskier investments like stocks or real estate.
  3. Companies tend to reinvest these profits back into their business operations, thus creating a steady stream of revenue and profit over time for investors who keep their money in corporate bonds.

What are the Risks of Investing in Corporate Bonds?

As with all other investments, corporate bonds do have a few risks that you should be aware of. These can be divided into two groups: interest rate risk and default risk.

  • Interest rate risk is the threat that an investor will incur losses due to interest rate changes.
  • Default risk is the threat that a borrower will default on their debt obligations.

Investors will have to decide which type of risk they are most comfortable with, since both can have negative consequences for an investor if they cannot cope with the market condition.

The decision of whether or not to invest in corporate bonds is ultimately up to each investor, but it should be taken into account that bonds are considered sufficient when interest rates are low and there is no default risk on the issuer’s debt.

How Am I Protected When Investing in a Corporate Bond?

There are various ways in which an investor is protected when investing in a corporate bond. Corporate bonds differ from other forms of debt in that they are issued by companies rather than individuals. The loan is raised by the company with the goal of meeting their financial obligations while maximizing return for investors. Investors who buy bonds usually do so to earn periodic interest payments on their investment, while some may also purchase them to receive fixed dividends over time.

The main protection that an investor has while investing in a corporate bond is that they can, at any time, sell their bonds on the secondary market and get back their original investment plus interest on top of it. This lowers the stakes to a significant degree, and makes it easier for the budding investor to start diversifying their portfolio by pooling some of their available capital into corporate bonds – are you one of them? 

Record interest in investing and personal finance in Europe

Record interest in investing and personal finance in Europe

During the last decade, a lot of people in Europe have become interested in investing, and in making their own finances work well for them. They are realizing that It is not enough to put the money in the bank to make it grow.

 

In this article, we will use Norway as an example to explain why there is now a record interest in investing and personal finance in Europe. 

 

Financial security

The key to creating wealth and financial security is to develop good habits – such as regularly setting aside money that can be invested each month. Even if you only have a few kroner left after dealing with the other necessary expenses, your money can quickly grow when it is invested. 

 

By investing our money, we can convert active income that must be worked for, into passive income that “grows by itself.”

 

As investors, we use our money to acquire resources with the potential for profitable returns. It can be anything from buying shares or mutual funds to investing in crowdlending or renovating a home. In fact, many people are now using https://lanfordeg.no/forbrukslan to take up loans to renovate their homes, in order to invest in the value of their house or apartment. 

 

If you manage to save and invest a lot, your invested savings may one day grow at a rate that exceeds your own expenses. It will be able to free you from your active work and make you financially independent.

 

Inflation

Most people have realized that it is smart to save money, but putting our money in the bank gives a very low return. 

 

Taking inflation into account, we actually lose money by having it in a savings account. Norway’s national bank has an annual inflation target of 2.0%. This means that even with an interest rate of 2.0%, your savings will not be able to keep up with the costs elsewhere in society.

 

The money will be less worthwhile by standing in the bank. Therefore, the best way to grow our money is by investing it. 

 

Low starting threshold

As a beginner, it is good to know that you do not need a lot of money to get started with investing. You can actually start with as little as 50 kroner, although it will be better with a few thousand.

 

For most people, it would be wise to invest little by little over time instead of going “all in” with a big pot in the beginning. 

 

You also do not need to be an expert in the stock market to start investing. There are several passive options that allow you to press “buy”, sit back, and not have to think much more about it other than checking the return sometimes. This is the case with mutual funds, savings robots, and crowdlending, and Norwegians are loving the simplicity of it. 

 

Diversifying An Investment Portfolio

diversifying Investment

Let us talk about the diversification of an investment portfolio. I have provided some ideas about it. The diversification is as a form of risk management which is something that should be on the mind of all the investors. There are many different kinds of investments which are held in a diversified portfolio, and it will, on average, helps an investor achieve the long-term yields.

1. Firstly, we can talk about equities. Adding some very solid and high dividend-paying equities, to form a very balanced portfolio is something that is becoming a very valuable new module for late investing. Even if the folks are well into their retirement years, they can do it. A lot of large companies pay yields in excess when it comes to current inflation rates. These current inflation rates are around 2.4% per year. It is with the added benefit of allowing the investor to participate in any corporate profit growth. A very simple stock screener can actually be made use of to find companies which offer higher dividend payouts while also meeting the value of stability requirements.


• The size would be at least $10 billion in market capitalisation.
• If we are talking about high dividends, all will be paying a yield of 2.8% at least.
• When we talk about low volatility, all the stocks have a beta of less than one, and that would mean that they have traded with less volatility than the entire market.
• When we talk about the diversification of the sector, a basket of stocks from a lot of different sectors can actually minimise certain risks in the market by investing in different parts of the economy.

2. Secondly, you can actually think about investing into real estate. When you invest into real estate, it can be a slow yielding profit, but it will definitely yield you a decent amount of money. It is something that can actually help you retire much sooner. A lot of individuals nowadays are investing into real estate, and they are very proud of their investments. Some people invest into condos, while some people invest into beach houses. Beach houses have a really high value and, their value keeps increasing, depending on the real estate market. This is something that will definitely give you a fixed income, if you are going to be renting it out or if you are going to be selling it. If and when you sell it, you may end up getting a lumpsum amount of money which can help you retire peacefully.

real estate

3. Thirdly, you can actually invest into high yield bonds. These are bonds that give you a higher yield but after a really long period of time. Some of them are 10 years, while some of them are 20 years.

How Can You Create A Fixed Income Portfolio?

Fixed Income Portfolio

Fixed income investing is something that usually takes a backseat when it comes to our thoughts, and also, we need to think about the fast-paced stock market. With all of its daily action, and all of the promises of any superior returns, we need to be careful. If you are retiring or if you have already retired, a fixed income is something that you will need.

It cannot take the backseat. It should be riding shotgun in your mind. At this particular stage, preservation of your capital with a particular guaranteed income is something that becomes a really important goal because you probably have no idea where your money is going to come in, in the next few months.

I can totally understand having the need to have a fixed income, especially when you are getting old. Nowadays, investors always mix things up when it comes to getting exposure to different asset classes and also keeping their portfolio updated. They always want to reduce the risk and stay completely ahead of inflation.

Fixed Income Portfolio

But, who can manipulate inflation?

If we are here today, it is because of the way we have managed our finances. Some of us do not exactly manage our finances in the best way possible, while some people always have a fixed income portfolio ready to go.
It has been always shown that stock returns always outpace the bonds. As we move into retirement, like I have mentioned above, we will obviously want some fixed income instruments that will gather some capital for us and our lives. A lot of people make use of a bond ladder as a way of investing in a range of bonds with very different maturities. Some people go a different route.

I feel that you need to know that one of the most important changes to fixed income investing in the 21st century is that the long bond has given up the previously substantial yielding benefits. This is definitely problematic for a lot of individuals. For example, if we take a look at the yield curve for the major bond classes in 2019, some of them have very attractive investment opportunities while some of them do not.

Fixed Income Portfolio

When it comes to short term yields, you end up getting a decent amount of money in a very short period.
A fixed-income investment opportunity is all that some people are after. This would present an opportunity for the fixed income investors because all of the purchases can be made in the five-year to ten-year maturity range. When we are talking about these bonds maturing, some of them are reassessed when it comes to the state of the economy.