Buying Bonds For Dummies

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Is there an independent website that educates me on which NY municipal bond funds are?

best?
How about a site that educates me about the best investments that are SAFE?
I have about $25,000 to invest, and I will be adding another
$28,000 every year. My time frame is about 10 years, at most. But I want the maximum yield that is safe, NOT risky.
I am very confused about investing, and what my options are. I want to get a general idea of the lay of the land. I have read the "Dummies" books and one "Idiot's guide" for investing, but I'm still confused. I need a website that shows me the lay of the land in a clear, succinct manner, plus recommendations on what to buy.

Try morningstar.com.

They are the industry standard for investor advice on mutual funds.

You do realize that "maximum yield" and "no risk" do not go together....?

If you buy a higher yielding fund, it will included either risky bonds and/or leverage. If you go too far out on the yield curve to increase the yield, the bonds will loose money if interest rates rise in the future (which is likely with a 10 year investing time frame).

You will probably do better with a diversified bond fund or muni indexed fund. At $25,000 a year, is your income really high enough to need a focused NY fund?

Vanguard Intermediate-Term Tax-Exempt Fund Investor Shares (VWITX)
Vanguard New York Long-Term Tax-Exempt Fund Investor Shares (VNYTX)
Vanguard Intermediate-Term Investment-Grade Fund Investor Shares (VFICX)
Vanguard Total Bond Market Index Fund Investor Shares (VBMFX)


These are about as close as you can get to standard, low cost, well managed bond funds.





(Disclosure: I own VFICX directly and VBMFX indirectly)

Fed Buys Bonds, But Americans Lose!


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Bonds For Dummies

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Introduction to Investing

Introduction to Investing

Ask those who are rich, and they will probably say they got rich from real estate or stocks. These are only two ways. There are actually various ways to get rich by investing. You can purchase bonds, mutual funds, and many other investment tools.
People who invest in real estate will normally buy property and flip it for a profit. If they do not sell it, they may place someone in the building and collect rent. There are many ways real estate investors can make money investing.
Then there are people who buy and sell stocks. They will buy the hottest selling stocks and hold on to them until they peak. Then when the stock prices start to drop, they will sell off. If this investor buys many stocks from various companies, he can develop a huge portfolio.
Other ways to invest include mutual funds, bonds, savings account, and CDs. Each type of investment vehicle has a procedure to follow if you are going to be successful getting involved with it. The first thing you need to do is understand the tool or vehicle and learn how it works. This way you will understand how to invest it each one. By doing so, you will get a lot out of it. The key to investing is to know how to invest without losing your shirt. Otherwise, you could end up going in the wrong direction and lose everything.
Investing can be confusing to anyone who does not understand it and how it works. This is why you need to pay attention to the investment. Only then will you be able to invest properly. Just don't be afraid about investing and many people are who do not understand investing and what it is. My educating yourself, you will remove that fear and be able to take part in investing to some degree.

Melinda Lauper

www.safeinvestmentsfordummies.com

About the Author

Melinda Lauper | investing research

Bonds and Quantitative Easing For Dummies


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