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Investing

Bonds at 7 percent could beat the stock market. Here’s when to make the switch.

By Don Lair Published May 13, 6:30PM EDT

Bond yields have narrowed the gap with expected stock returns to historically tight levels, making fixed income a serious weight against equities for investors with defined time horizons and planned purchases rather than 20+ year horizons.

It sounds nuts, but SoFi is giving new active invest users up to $1,000 in stock for a limited time, and all it takes is a $50 deposit to get started. See for yourself (Sponsor)

DISCLOSURE:

Customer must fund their Active Invest account with at least $50 within 45 days of opening the account. Receive a minimum of $15. Probability of member receiving $3,000 is a probability of 0.026% If you don’t make a selection in 45 days, you’ll no longer qualify for the promo. Percentages for the $3,000 are subject to decrease. See full terms and conditions.

Probability of Member receiving $1,000 is a probability of 0.026%; If you don’t make a selection in 30 days, you’ll no longer qualify for the promo. Customer must fund their account with a minimum of $50.00 to qualify.

Other fees, such as exchange fees, may apply. Please view our fee disclosure to view a full listing of fees.

Investing in alternative investments and/or strategies may not be suitable for all investors and involves unique risks, including the risk of loss. An investor should consider their individual circumstances and any investment information, such as a prospectus, prior to investing. Interval Funds are illiquid instruments, the ability to trade on your timeline may be restricted.

Brokerage and Active investing products offered through SoFi Securities LLC, Member FINRA(www.finra.org) /SIPC(www.sipc.org).

There are limitations with fractional shares to consider before investing. During market hours fractional share orders are transmitted immediately in the order received. There may be system delays from receipt of your order until execution and market conditions may adversely impact execution prices. Outside of market hours orders are received on a not held basis and will be aggregated for each security then executed in the morning trade window of the next business day at market open. Share will be delivered at an average price received for executing the securities through a single batched order. Fractional shares may not be transferred to another firm. Fractional shares will be sold when a transfer or closure request is initiated. Please consider that selling securities is a taxable event.

Options involve risks, including substantial risk of loss and the possibility an investor may lose the entire investment Before trading options please review the Characteristics and Risks of Standardized Options.

Investing in an Initial Public Offering (IPO) involves substantial risk, including the risk of loss. Further, there are a variety of risk factors to consider when investing in an IPO, including but not limited to, unproven management, significant debt, and lack of operating history. For a comprehensive discussion of these risks please refer to SoFi Securities’ IPO Risk Disclosure Statement This should not be considered a recommendation to participate in IPOs and investors should carefully read the offering prospectus to determine whether an offering is consistent with their investment objectives, risk tolerance, and financial situation. New offerings generally have high demand and there are a limited number of shares available for distribution to participants. Many customers may not be allocated shares and share allocations may be significantly smaller than the shares requested in the customer’s initial offer (Indication of Interest). For more information on the allocation process please visit IPO Allocation.

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跟隨 24/7 Wall St. 於 Google

關於作者 Don Lair

本文涵蓋多項與債券、股票市場相關的財經資訊，重點在於:

1. 近期美債收益率已接近5%，與預期股票報酬率的差距顯著收窄，使得固定收益的風險調整報酬率成為投資者的重要參考。
2. 針對有明確資金需求的投資人，建議採用CD梯形或20年期資金配置策略，以鎖定收益並降低序列風險。
3. 投資者需根據個人目標、風險容忍度以及市場情況，決 stratégique 是否將資金配置給債券以取代部分股票持倉。

Andrew’s 20-year rule Co-host Andrew Sather’s framework is simpler: if you need the money within 20 years and are closer to retirement, current yields make fixed income worth serious weight against equities. I have been studying the bond market for over a decade, and the gap between long Treasuries and expected equity returns has rarely been this narrow without an inversion warning.

When to flip the switch The trigger is personal, not a calendar date built around it. If a bond yield locks in your retirement number without needing the S&P to cooperate, the math has done its job. Watch the long end of the curve, watch corporate spreads, and decide whether certainty is worth more than upside for the dollars you cannot afford to lose.