Premium bonds are one of the most popular saving products in the UK. However, Christine toner questions how good they really are.
Duration : 0:0:56
Are premium bonds worthless?
High Yield & Hedge Funds [NBC: 5-12-2011]
Subscribe for news updates every 10 minutes. Like/Dislike, Favorite, Comment, Embed on Blog, Facebook Share, and Tweet this video. Get the word out on this video.
Like on Facebook to get updates
http://tinyurl.com/NewsFacebook
Follow on Twitter to get updates
http://tinyurl.com/NewsTwitter
-
Public marketIn finance, a high-yield bond (non-investment-grade bond, speculative-grade bond, or junk bond) is a bond that is rated below investment grade at the time of purchase. These bonds have a higher risk of default or other adverse credit events, but typically pay higher yields than better quality bonds in order to make them attractive to investors. Global issue of high-yield bonds more than doubled in 2003 to nearly $146 billion in securities issued from less than $63 billion in 2002, although this is still less than the record of $150 billion in 1998. Issue is disproportionately centered in the United States, although issuers in Europe, Asia and South Africa have recently turned to high-yield debt in connection with refinancings and acquisitions. In 2006, European companies issued over €31 billion of high-yield bonds. 2010 is set to be a record year for European Junk Bond issuance, with as much as €50bn expected. The holder of any debt is subject to interest rate risk and credit risk, inflationary risk, currency risk, duration risk, convexity risk, repayment of principal risk, streaming income risk, liquidity risk, default risk, maturity risk, reinvestment risk, market risk, political risk, and taxation adjustment risk. Interest rate risk refers to the risk of the market value of a bond changing in value due to changes in the structure or level of interest rates or credit spreads or risk premiums. The credit risk of a high-yield bond refers to the probability and probable loss upon a credit event (i. e. , the obligor defaults on scheduled payments or files for bankruptcy, or the bond is restructured), or a credit quality change is issued by a rating agency including Fitch, Moody’s, or Standard & Poors. A credit rating agency attempts to describe the risk with a credit rating such as AAA. In North America, the five major agencies are Standard and Poor’s, Moody’s, Fitch Ratings, Dominion Bond Rating Service and A. M. Best. Bonds in other countries may be rated by US rating agencies or by local credit rating agencies. Rating scales vary; the most popular scale uses (in order of increasing risk) ratings of AAA, AA, A, BBB, BB, B, CCC, CC, C, with the additional rating D for debt already in arrears. Government bonds and bonds issued by government sponsored enterprises (GSE’s) are often considered to be in a zero-risk category above AAA; and categories like AA and A may sometimes be split into finer subdivisions like ‘AA−’ or ‘AA+’. Bonds rated BBB− and higher are called investment grade bonds. Bonds rated lower than investment grade on their date of issue are called speculative grade bonds, derisively referred to as ‘junk’ bonds. The lower-rated debt typically offers a higher yield, making speculative bonds attractive investment vehicles for certain types of financial portfolios and strategies. Many pension funds and other investors (banks, insurance companies), however, are prohibited in their by-laws from investing in bonds which have ratings below a particular level. As a result, the lower-rated securities have a different investor base than investment-grade bonds. The value of speculative bonds is affected to a higher degree than investment grade bonds by the possibility of default. For example, in a recession interest rates may drop, and the drop in interest rates tends to increase the value of investment grade bonds; however, a recession tends to increase the possibility of default in speculative-grade bonds. The original speculative grade bonds were bonds that once had been investment grade at time of issue, but where the credit rating of the issuer had slipped and the possibility of default increased significantly. These bonds are called ‘fallen angels’. The investment banker Michael Milken realized that fallen angels had regularly been valued less than what they were worth. His time with speculative grade bonds started with his investment in these. Only later did he and other investment bankers at Drexel BG Kerrigan SCV paper computer internet banks cold High CD RatesAlly Bank computers even Retail removal use Tide reliable Bob Marzano wireless Ally Bank Charlotte medium Ally Bank dog commercial Ally Bank Rufus commercial high yield savings account Zeratul Tychus dpi strategies map economicsloans machine distressed debt hedge Replay Legal weapon debt flexible weapons classroom walkthroughs TF2 Robert Marzano printer quality top online banksAlly Bank fast jumper zerg 420 Law printing probe black online banks tactic maintenance NYSE:LTD syndicated Finance high yield checking classroom laser Raynor equity team technical player investor economical observation effect small institutional Estate LBO J
Duration : 0:5:39
Silver & Gold is a saving account.
I talk about how taking profits to take profits is not a smart idea.
Duration : 0:7:20
How to choose a savings account
With so many savings accounts on the market, we show you how to choose the one right for you.
Duration : 0:2:7
Private Lending and how we can work together pt 1
Private Money Lending. Alternatives to Low Paying Certificate of Deposits, Low paying savings accounts,and other investments. The best part- is your money is secured.
Duration : 0:4:47
Retirement savings strategies with Moshe Milesvsky and Rob Carrick
Moshe Milesvsky, a professor of finance at Toronto’s Schulich School of Business, with Rob Carrick from the Globe and Mail discuss retirement savings strategies.
* How many stocks/equity products should a senior investor hold?
* If you don’t have a pension plan what percentage of stocks should your portfolio have?
* What is an income annuity?
* What are some benefits of income annuities longevity credits and mortality credits ?
The Investor Education Fund is pleased to be cosponsoring this video series with the Globe and Mail called “Lets Talk Investing.” The series is hosted by renowned Globe and Mail columnist Rob Carrick and features prominent Canadian financial experts discussing topics that are relevant to investors.
Duration : 0:3:34
Savings Rate, Trade, Oil
One of these things is not like the other?How to find the best ISA for you!
http://www.moneyextra.com/savings National Savings and Investments has found that a quarter of savers are unaware that the limits for investment in Individual savings accounts or ISAs are going up this April Find the right ISA for you.
Duration : 0:0:58
Best way to get more money back!
http://www.moneyextra.com/savings Savers could actually benefit from the plummeting rates available at the moment if they’re pushed under the interest paid tax zone It’s claimed more people should qualify for tax free status on their savings interest
Duration : 0:0:46
9. Debt Consolidation – savingandinvesting.com
Some of the principles behind consolidating your debt explained.
Duration : 0:3:29