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You’ve Answered Life’s Questions. But What about Investing in Bonds?

March 2, 2023 By E.J. Smith

By Monkey Business Images @ Shutterstock.com

Do you remember purchasing your first home? Meeting with the bank? Going over interest rates and how much goes to just paying it? Reviewing the payment schedule and realizing how old you’ll be when it’s paid off?

Talk about a bond between you and the bank.

But when it comes to bonds and investing, I hear this: “I don’t invest in bonds. I don’t understand them.”

But you’ve been in a bond your whole life. Just turn the table around. You’re the bank.

Yes, there’re ins and outs to bonds that make experience dealing with them worthwhile, but the same is true for getting a mortgage. Wasn’t your first home a leap of faith of sorts? It was for me when I bought a multi-family.

It means the world to you as a buyer when you’re working with a realtor and a banker who you trust. The same goes for retirement investing. Trust goes a long way.

But here’s the reality, dear investor, it’s human nature to focus on areas we can’t control and get stuck in the land of indecision. What will the Fed do? Where will interest rates be in a month? What’s the probability of a recession? Will the U.S. send F-16s to Ukraine? Will China invade Taiwan? How long will the yield curve be inverted? Will the black swan swoop up poor little me?

And yet you tackled life’s most important questions. Will you marry me? Can we afford the monthly payments? What color should we paint the baby’s room? When should we go to Disney? What time is the play? What time will your mom and dad be here for dinner? What time is graduation? Are you ready to meet the in-laws? When’s the baby shower? Should we retire to Florida? Have you talked to Your Survival Guy?

Action Line: When you need questions answered, let’s talk. I’m here to help. You deserve to Survive & Thrive.

Originally posted on Your Survival Guy.

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E.J. Smith
E.J. Smith is Founder of YourSurvivalGuy.com, Managing Director at Richard C. Young & Co., Ltd., a Managing Editor of Richardcyoung.com, and Editor-in-Chief of Youngresearch.com. His focus at all times is on preparing clients and readers for “Times Like These.” E.J. graduated from Babson College in Wellesley, Massachusetts, with a B.S. in finance and investments. In 1995, E.J. began his investment career at Fidelity Investments in Boston before joining Richard C. Young & Co., Ltd. in 1998. E.J. has trained at Sig Sauer Academy in Epping, NH. His first drum set was a 5-piece Slingerland with Zildjians. He grew-up worshiping Neil Peart (RIP) of the band Rush, and loves the song Tom Sawyer—the name of his family’s boat, a Grady-White Canyon 306. He grew up in Mattapoisett, MA, an idyllic small town on the water near Cape Cod. He spends time in Newport, RI and Bartlett, NH—both as far away from Wall Street as one could mentally get. The Newport office is on a quiet, tree lined street not far from the harbor and the log cabin in Bartlett, NH, the “Live Free or Die” state, sits on the edge of the White Mountain National Forest. He enjoys spending time in Key West and Paris.

Please get in touch with E.J. at ejsmith@youngresearch.com

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