How to Invest In Bonds | OUR TOP PICKS & Our Strategy for Investing for Financial Independence

[@OurRichJourney]

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[@avgholson8143]

Invested in VTSAX this week. After much reflection and a series of events, I'm definitely on the FIRE train. I want my time back.

[@mindsinmotion2825]

I started investing in vtsax about a month ago also after reading The simply path to wealth

[@bryanherincx3844]

are you guys doing this through a tax advantaged account or taxable account ?

[@bryanherincx3844]

MINDS in Motion through a retirement account or regular taxable account ? And what platform

[@mindsinmotion2825]

@@bryanherincx3844 Roth IRA through chase

[@kenaddoh4693]

Wishing you all the best with your FIRE journey...Financial independence has given me the confidence and freedom to start my own business...Work no longer drains the life out of me and my stress levels have changed from an 8 out of 10 to a 2 out of 10.

[@ofircohen1675]

My allocation is 90% in stocks and 10% in bonds. I Currently investment my money only with Vanguard. Thank you for a great video like always!

[@chikipichi5280]

We have the same allocation and brokerage nice

[@vynnxa6416]

Would u use the bonds to buy more market shares during a downturn when it's cheap to ride it back up?

[@MichaelCTruth]

Do you own VTI and BND? What bonds do you own?

[@TheSmartLawyer]

Vanguard has a high yield corporate bond fund that moves like stocks with healthy dividends. Get enough shares and you can live off the monthly dividends

[@josephjones836]

This guy follows Mr. Buffett.

[@Tonymanero1960]

I am recently retired at 60 years old and I am 100 pct invested in U.S stocks. My situation is somewhat unique because I have 0 debt and 5 years of living expenses in cash. I (personally) have a very high -risk tolerance and didn't lose any sleep when the market went down 35 % in March. Your losses are bigger AND your gains are bigger in the stock market, but,...if you believe that over time it will go up you will always be better off in stocks. My mother is the complete opposite and thinks getting 1% in a CD is a great deal. And I will be getting $2000 a month from S.S in 2 years which will cover my bills,...so I am very confident in my asset allocation. Btw,....my total stock market return over the last 10 years was 10.8 %.

[@foolish4bulls]

We invest 1/3 of our main IRA in cash & bonds. The remaining 2/3 is in stocks and index etf’s. All of our investments drive toward income and then growth (dividends). We are retired so this fits us at this point in our lives

[@jamesspitzercashout]

Happy Fathers Day Amon!

[@OurRichJourney]

Hey there James! Happy Father's Day!!!!!

[@FrugalRules]

I think sometimes the focus for investing is on stocks, real estate, or other areas and people don't always consider investing in bonds. I'm glad you're sharing this.

[@Kemmajed]

You guys have educated me so much throughout the years. I'm grateful for your knowledge and content. thank you.

[@raoulhery]

bonds, bonds, bonds, I am looking for a good time !!!

[@PecosHank]

I'll second that. Thanks again guys.

[@joevelasquez2757]

It was great to see you guys on a CNBC article. Very cool to see how much you both have grown as entrepreneur's

[@guanafd]

I wanna just say this about bonds - I invest in mutual funds in my seventh world country because that's the best option, we have no etfs or index funds here, and, every quarter of the year I transfer 0.75% from the stocks into the bonds. Why? Right now I don't need the money from my investments, but I wanna be sure I have a pot that is stable to pull money from. That's the role of bonds in my portfolio. And yes, i transfer 0.75% quarterly to add up to 3% annually since the mutual funds charge me around 2% in fees. Their 2% and my 3% for me it's the 5% rule. I am using it ahead of time as if I am retired right now, to avoid volatility in case I need big chunk of my money. And I still invest every month into the stock funds.Great explanation why you don't hold bonds, makes sense.

[@strawmummy]

My inspiration, you got me started. God bless you guys!

[@OurRichJourney]

Mary - you are so kind! So glad to hear that you're inspired and that you got started!!! :)

[@robertgadawski7298]

You mentioned in this episode that you don’t invest in bonds. However there was an episode from over a year ago where you discussed your portfolio makeup and it said you have about 20% in bonds. Why the change? Thanks. Love the videos. You two are great!

[@vickyy.9880]

@Minwoo Jo I'm sure it was trial and error. They explained how it pulls the overall rate down and how you don't make much and they rather be aggressive. Dave Ramsey suggests the same

[@V.E.R.O.]

I saw that video too.

[@pamcovey4759]

6.17 he said he used to buy bond way back.

[@TiddyFreckle]

I love how organized you are with the videos and how much the both of you agree with each other on the subjects you speak about within the financial/investing world. I’m jealous! Teehee. And thank you so much, you have helped me understand A lot more about safely investing. I started with 3000 dollars in a fidelity index fund (FXAIX) on March 25 and have put in 500 dollars per month after that. Now I will look to diversify. Again, thanks so much!

[@OurRichJourney]

Wow, thank you! So glad that you're enjoying our videos and learning to invest!

[@ShariKaye]

This was very thorough! I was surprised at your stance on bonds, especially since you are in the financial independence stage.

[@OurRichJourney]

Glad you enjoyed it! Thank you Shari!

[@frozenkilt]

If I had to guess, another reason for their stance is that they still have multiple streams of income as well. As they aren't purely drawing from their investments (and, seeing their other videos, it looks more like they're still BUILDING wealth), they can afford a higher risk/higher reward profile. I really love this channel and their openness and blunt honesty about so much of their own investing and where the traps are. Thanks, guys!

[@bmahoney1568]

Great video, I’m glad you did one to cover bonds. You did fail to touch on the fact that the value of your bonds can decrease as well, particularly if interest rates go up. In the 1980’s I would have owned some bonds, but not in the last 20 years, they pay close to nothing and interest rates can’t go any lower so the bond values will not appreciate. I agree on your 100% stock allocation, that’s were I am at as well. You can find stability in equities through extreme diversification US plus some international stocks and you can over weight you portfolio with less volatile sectors of the market like utilities, consumer staples, low beta stocks, dividend aristocrats for improved stability without compromising total returns.

[@DennisRay99]

Yes kinda an important fact to overlook

[@JoseAntonioMartinez86]

I remember in a previous video you guys mentioned your total portfolio was 60% stocks and 40% bonds. Did you reallocate it recently to 100% stocks?

[@OurRichJourney]

Thanks for the question Antonio! I think you're referring to the Vanguard allocation video, which shows a 70% stock, 20% bond, 10% cash allocation. It’s actually always been the same. When you invest in Vanguard, they show your investment portfolio as an allocation between “stocks” and “bonds.” The “bonds” identified by Vanguard also include CDs. If you take a look at the video, we identify all of the holdings in our “bond” category, which is all of our CDs (which are composed of a CD ladder). In the video, we referred to our allocation as a stock/bond allocation, but we did that simply because that’s how our Vanguard allocation (that we show in the video) differentiates the stocks and bonds (i.e., CDs) and we didn’t confuse anyone. Hope that makes sense!

[@DividendGrowthInvesting]

Love this!! Every channel/blog I follow on FIRE shares a very consistent message on bonds. Bonds are there to smooth out the ride - JL Collins

[@OurRichJourney]

Love that! Thank you so much!!!

[@OurRichJourney]

📈Looking to learn how to invest? Enroll in our Stock Market Investing Course: www.ourrichjourney.com/investingforfire 🔥Learn more about financial independence and retiring early: Enroll in our F.I.R.E. Master Class: www.ourrichjourney.com/firemasterclass ✈Want to move to Portugal? Enroll in our Moving to Portugal Course: www.ourrichjourney.com/movingtoportugal

[@elizabethkaplan1823]

Jack Bogle says: own your age in Bonds. Do you agree?

[@petejames1326]

im thinking of buying VCIT the medium term corporate bond ETF is that ok? is it true if the FED raise interest rates 1% a full 1% than most bond ETfs will fall about 6% is this true?

[@ReadingTimeWithZa]

Knee-high to a grasshopper! Oh Lord! I still have some government bonds from years ago that I need to ditch and reinvest in index funds. Thanks so much!

[@OurRichJourney]

Hehe! Do people still say that?! :)

[@tyronelder3161]

i am 19 turning 20 starting my fire now, single and im making 50k rn your channel is so helpful and motivation also being a successful black family subscribed!!

[@OurRichJourney]

Thanks for subscribing Tyron!

[@michaelsmith9308]

You are VERY VERY wise to even be looking into these types investments so EARLY:) Congrats ( i wish i was that aware of investments at that AGE) just a FYI, if you have a PROFIT sharing investment at work, try and max out the minimum matching by your company FIRST, secondly save what the IRS allows you too in each plan, whether taxed or pre taxed. Taxed you ACTUALLY dont owe taxes later and a few other benefits but your money grows a little slower as it is not cushioned by owing taxes later. If you can set up a profit sharing account, a 401, or 402 K and a IRA (this can be Fidelity or Vanguard.my opinion) The IRA PRIVATE (not by your employer (yes no matching funds) and just save about 14 dollars a day in the IRA, this will return on AVERAGE by age 60 $1,000,000.00 PLUS and can reach two million dollars if you invest in mostly or all stocks or a mix of 75% stocks and 25% bonds. You will SURELY be a multi millionaire if you save at least 26,000 or MORE (this is most important for the multi millionaire part) This is a lot for younger people, but if you can resist the fancy cars (buy a toyota corolla.they last over a million miles EASILY, get the HYBRID 0% currently and about 17,800 LOADED ..58 MPG etc) when you sacrifice early the PAYOUT is HUGE! I make the mistake of buying close to half a million dollars in vehicles and that ALONE reduced my total today:( Thats why i have been saving half my paycheck NOW, which is gigantic and my portfolio scares me in a GREAT way!............................... BASICALLY the FOUNTAIN of YOUTH is this in the USA......HEALTH, CASH, CREDIT, INVESTMENTS..............the first million dollars is the HARDEST to SAVE..after that for me its the TIME to save another MILLION dollars! I wish you the best while YOUTH is on your SIDE!

[@unicala]

Hi 👋🏻 I’m Portuguese, from Lisbon, but living at 🇬🇧 for 6 years, just saw some off your videos and was really happy with your enthusiastic about living in Portugal and enjoying quality life there😉 made me miss Portugal even more!! Keep safe 👍🏻

[@burnetty2]

Hi Our Rich Journey Duo! I'd like to start off by saying I LOVE your channel. I have learned so much about investing from watching you two. I wish your channel was up when I was making a six figure annual income. I am now nearing retirement and don't believe my investments will have enough time to grow over the long term if I started now. I am however, sending everyone I know to your channel with the hope that they don't make the same money mistakes I've made. Thank you for using this platform to educate us. Blessings to you both!

[@handlebusiness9322]

It was the introduction and energy for me to subscribe. Finally, a channel that didn't didn't start with "Hey guys welcome back to my channel".

[@oyamsbabe4028]

Awesome video👏🏼 my daughter must have heard your voices while in the other room, bc she yelled for me to forward your video. I just told her she needed to subscribe to you guys. I’ve told her about you several times. She’s in med school w/substantial student loan and I just told her that, while the med school will provide the skills she needs to me a medical examiner, you guys will provide what you she needs to be debt-free, become financially literate and independent and retire early. I wish I had these info 25 years ago. I hope she appreciates your knowledge and wisdom like we, your subscribers do. Thanks again for your continuing care. Stay safe and regards to your lovely girls.

[@OurRichJourney]

Wow! Thanks for sharing our videos with your daughter! We're excited to be a part of her debt-free/financially literate journey!!! And thank you for your kind words! We're so happy you're enjoying our videos!

[@chrisfox9779]

You guys without doubt are the savviest investors on KZbin.

[@rheechashaipu1927]

It certainly helps to have a large one to two year "emergency fund" or some kind of near-cash fund to draw from during stock market crashes. I recall you guys use laddered CDs for this purpose. People watching your video should keep that rsik averse aspect of your plan in mind. IMO, either people should replicate your strategy if they can find decent CD rates. Otherwise I think it is entirely fine to invest in treasury bonds as a replacement to CDs. I've happily replicated part of your plan by setting up a 3 month cash reserve, a laddered CDs, as well as an all weather portfolio (replacing gold/commodities with utilities/reits) to fund approximately 9 months of expenses. The all weather fund will hopefully keep up with inflation plus a bit of extra interest and take the place of CDs that used to pay 4% or higher. Everything else goes into a 100% stock portfolio of VTI and VXUS. Thanks for these videos!

[@DecebalDobrica]

Thanks "Our Rich Journey" for all the great detail you provide!

[@PecosHank]

The best!

[@omarclemente4186]

you guys are great watching ..you touch every basics and explain in very easy to understand language specially for those whose English is not our primary language.

[@AdoSabrina]

The info in the end reminds me of the book "The Simple Path to Wealth " love its simplicity and love y'alls teamwork and investment videos! Thanks

[@dawandorsey2635]

Thanks for the information. You guys gave me a better understanding of the pros and cons of investing in the bond market. Blessings to you both.

[@OurRichJourney]

Great to hear! Thanks Dawan!

[@Alvin_1914]

I just hit this chapter in the Boglehead's Guide to Investing. Great timing

[@bmahoney1568]

Jack bogle had 50% of his money in bonds, at least that’s what he is on record as saying when he was younger. Not sure about later in his life. How do you rectify this?

[@Alvin_1914]

@@bmahoney1568 at this point in my journey, I cannot rectify that allocation. Maybe later in life

[@OurRichJourney]

Excellent! We really like the Boglehead books!

[@TheBlackMage3]

Where do you keep your "emergency fund" for stock market declines? Are you using HYSAs?

[@OurRichJourney]

A CD ladder and a money market account.

[@TheBlackMage3]

@@OurRichJourney Thank you!

[@stephaniejsmes8991]

I appreciate your advice! I will have to learn more. You two share so much beneficial information. Thank you for all your investment videos. Have a great week!

[@OurRichJourney]

Thanks Stephanie! Glad it was helpful!

[@WalletInvestUSA]

A few questions about VTBLX: 1) Can I add money into it whenever I want ? 2) Can I cash it out whenever I want ? If so, will I have to pay a penalty or something ? 3) Do they pay the interest monthly ? Thank you and great video!

[@timmy101able]

Good questions.. I was wondering these also

[@DiJourne]

Wow! I’m really surprised that bonds can negatively impact one’s portfolio. Me personally, I wouldn’t give up on bonds entirely, you just have to know how to maneuver them within your portfolio. Still, thanks for the knowledge and advice!

[@OurRichJourney]

Hi Kimberly! It all depends on the goals for the investor! Bonds (if choosing the right ones) can sometimes help to balance out the volatility of investing in stocks. At the same time, these bond can have a much lower return. :) It's a risk vs. reward balance! :)

[@MBarberfan4life]

Bond. James Bond

[@OurRichJourney]

Hehe!

[@michaelsmith9308]

Lit:)

[@ronitfrank]

We’re with you Index funds and some stocks that we really believe in. You two are amazing!!! That you for this Chanel 💕💕💕

[@alan30189]

I don’t invest in corporate bonds, because they usually don’t pay enough and they’re more risky. The mutual funds and ETFs don’t pay enough interest. Your video was made two years ago and the rates may have gone up since then. Due to the squirreliness of the stock market, instead of keeping my money in an online savings account, I am parking money in T-bills, with a ladder of 17 week T-bills, which are currently paying 4.7%. One advantage of T-bills, is you don’t pay state or local tax on them, if your state and city taxes your income. Another area I’m starting to invest in again, is municipal bonds, because they’re paying over 4% again. Municipals are federal, state, and local tax free. Food for thought: I heard that BBB municipal bonds are safer than A-rated corporate bonds.

[@bingebinge3722]

Good info for retails. Makes perfect sense for people been around for less than 10 yrs or so.

[@lilaxp2167]

Hey in the Video our vanguard portfolio from January 2019 you said you invested 70% stocks, 20% bonds and 10% cash. Now you say 100% in stocks. So can you give a bit more insight when it changed and why?

[@missy1661]

I had the same question

[@lateigracahill]

Same!

[@OurRichJourney]

@LilaXp - Thanks for the question! It's actually always been the same. When you invest in Vanguard, they show your investment portfolio as an allocation between “stocks” and “bonds.” The “bonds” identified by Vanguard also include CDs. If you take a look at the video, we identify all of the holdings in our “bond” category, which is all of our CDs (which are composed of a CD ladder). In the video, we referred to our allocation as a stock/bond allocation, but we did that simply because that’s how our Vanguard allocation (that we show in the video) differentiates the stocks and bonds (i.e., CDs) and we didn’t confuse anyone. Hope that makes sense!

[@lateigracahill]

@@OurRichJourney Thanks for the explanation! In another video you guys mentioned that you are moving more into bonds now that you are retired, but based on this explanation I assume that means more CDs 🤗 Would be an interesting topic for another video!

[@raheelhaider6097]

Our Rich Journey oooh I was wondering the same thing. I’m guessing (based off a separate video) the CDs and ladder is part of the 2 year emergency fund?

[@sweetescapegrande3112]

Thank you for this video. I was actually hoping you could make a content about bonds! And now here it is!

[@OurRichJourney]

Happy to help! Glad you liked it!!!

[@Irina-jk4xy]

Congrats on +250k subscribers! Maybe now is a good time for a Q&A video? 😉

[@OurRichJourney]

Good idea!! And thank you - Irina!!!

[@TheFamilyONetwork]

My “Fi Broadie” coming thru with the value nuggets. Thanks guys as always✊🏾

[@OurRichJourney]

"Fi Broadie" - Love that!!!💯

[@jodyd7957]

This subject matter about bonds was right on time!!!! I am currently realigning my portfolio and of course bonds is a consideration. I am 55 years Young and have a least 10 more years on my time horizon God willing. I consider my investment style tolerance on the aggressive side so I'm gonna go with 80% index funds, 5% bonds and 5% gold investments with a few individual stock purchases. I'm feeling confident that is a good plan of action for me. A few adjustments way down the line as market conditions may dictate

[@KunalVyas78]

I am so grateful for Videos, I have learned so much. I personally truly appreciate it.

[@TheStJamesProject]

Omg!!! This information is like liquid gold. Thank you both

[@annamarquez2707]

Love your transparency! Your videos are helping a lot of people👍

[@OurRichJourney]

We appreciate that! Thanks so much Anna!

[@nanobanana]

You are so absolutely inspiring!!! Can you please make a video talking specifically about your drawdown strategy? I get scared I am locking all of my money away in a 401(k) and will run out of money on my fire journey before 59.5! What is your process for deciding which accounts you strategically draw from?

[@OurRichJourney]

Thank you for the video suggestion (an important element to post-FIRE)!!! And thank you for your kind words!

[@errolm8313]

I'd like to really learn how to invest in bonds since the saving account interests are really low

[@JennaM161]

Thank you for this video! I finding I am learning so much just from watching you guys. And I hope you have a wonderful weekend Happy Father's Day!

[@OurRichJourney]

Thank you Jenna! Hope you're having a fantastic Father's Day weekend also!!!

[@berg8970]

I definitely can see how a 100% stock portfolio makes sense for you given the fact that you have 2 years worth of reserve cash on hand in the event that the market takes a dive . I love the reserve cash idea, so stupidly simple but yet a stroke of genius. I'm stealing this idea and adapting it to my portfolio as well. Thank you for all of your informative videos.

[@JuliaKim_]

Bonds work as hedge to stocks which is riskier investment. So when you see the Vanguard study, if the stock ratio gets higher, the worst year's loss gets bigger. It means that bonds can cover the loss of the stock cause bonds usually move oppose to stocks. So if you're more about making bigger money with your investment, the ratio should be much higher in the stocks and remember that more risk can make you more money. But if you're more about safe investment and hate loss, put some more to the bonds! (This is how I understand what bonds are. If it's wrong, please correct me! I'll be glad!)

[@pey7777]

Do you have a video on how your portfolio is allocated across accounts? Like 50% taxable brokerage, 25% 401k, 15% IRA, 10% savings account or something like that?

[@solamenterunning5175]

You two are so cute together! And Christina you glow, you are beautiful and your inner beauty appears every time you smile and look at Amon. May the Lord bless you and your marriage always! ❤️ you are a huge example, no only financially but also of a relationship! Love you guys!!! Thanks for the video, as usual very informative and understandable.

[@OurRichJourney]

Thank you so much!! You are so kind! I really appreciate your lovely comment!!!

[@michaelsmith9308]

Agree and BOTH their TEETH are blinding WHITE :) im always trying to figure out whose teeth is whiter..LOL, healthy teeth , healthy investor:)

[@Je.rone_]

Buying individual Bonds are more complicated then individual stocks... but i like learning bout bonds

[@PORTDEPAIX]

Buying individual bonds are not complicated at all if you have a brokerage account with Fidelity investment or Charles schwab.

[@user-yg2nu7zc4c]

Go bond ETFs route.. Make it even simpler 🤷

[@elphsi]

As a couple of other commenters have alluded, the value of individual bonds when bought on the secondary market is surprisingly complicated involving many different factors. Bonds are considered safer but you can still lose money on paper if you buy at the wrong time.

[@OurRichJourney]

Buying bonds as a fund (like ETF or index fund) should make it easier, but you still have to understand how bonds work! :)

[@richdewitt760]

Appreciate all you both do. I assume one or both vested in your Government pensions? I am blessed to have a job that has a good union pension, very rare these days. So I view the pension as my less risky "bond fund equivalent" and feel quite safe to invest in 90% stocks & 10% REITs in my other Roth IRA and Fidelity accounts. Do you also take this view?

[@OurRichJourney]

That's a great view Rich!

[@sidneyjohnson6895]

What a Gift in sharing bonds. Happy Fathers Day Amon! Thank you, Christina!

[@OurRichJourney]

Hello Sidney! Happy Father's Day!!!

[@irmay.2766]

I really love all the information you share, thank you so much. 😊

[@OurRichJourney]

Thank you Irma!!!

[@tony6796]

Happy father's day! God bless you and your families 🙏

[@OurRichJourney]

Thanks so much! Happy Father's Day to you!!!

[@streetrulz2863]

Thank you for this video I appreciate your straight and to the point dialogue

[@OurRichJourney]

Thank you!

[@smusunuri]

Thanks for this video. I have opened my eyes recently about investment and I follow your journey of investment. What you both did is amazing !!!

[@OurRichJourney]

Great to hear! Thank you Srini!

[@MDFRfiredriver]

ive been investing for years in different retirement vehicles im now retired and still investing also got my stepson doing it we are up 67% and more your videos are helping

[@bonitahill5239]

Yay! Was waiting for this vid ... I knew you guys were 100% stocks just wanted to hear your take on bonds 🤓 As always great information 😊🤓....

[@OurRichJourney]

Glad you liked it!! Thanks Bonita!

[@zchoicez]

Thank you guys! I enjoy watching your videos and taking notes. I’ve learnt a lot from u 👍😀

[@claytonlong3086]

Amon and Christina, you are an inspiration. Love the videos. They are very informative. Thanks for the content!

[@andies4576]

I've watched a few of your videos --- I can't believe your journey. I ultimately decided to subscribe today because you're such a cute couple! I love how positive you guys are :-) Congrats on your all your success and hard work!

[@lally1011]

THis is great stuff. Secondary bonds are far less desirable.

[@PCMbowling]

So are you planning to be invested in 100% stocks forever? Or a you planning to add bonds as you get older.

[@SAnderson54]

I have this question as well!

[@jdnetwork-reselling]

Your suppose to add bonds as you get older, they have spoke about this on a different video I think

[@alphahellhound]

OMG I was literally typing that bond returns are shit until I finished listening to the video and you guys mentioned you dont invest in them. I imagine many FIRE people who have bonds are literally like all surprised pikachu meme when you said you were 100% stocks. Finally, FI people who actually understand that bonds especially in the last couple of years have underperformed so hard and especially if you only buy them just for diversification of your portfolio and because its a "safer" investment at least according to many people just spouting nonsense without actually having researched it themselves. Sure you can have a less volatile portfolio by incorporating bonds but enjoy a significant underperformance of your portfolio over years :P. This video gets a hard like from me for actually informing people about bonds.

[@photosynth1]

My understanding is that bond ETFs are different from buying actual bonds because in addition to the coupon, their price fluctuates, too. If interest rates rise, price decreases.

[@joyceharris8061]

Thank you for sharing. Happy Father's day!

[@OurRichJourney]

Thanks so much Joyce!!!

[@betzaidavazquez5579]

Thanks for sharing your knowledge, You are helping me out little by little 💗👍

[@neilajoseph223]

This video was really helpful!! I’m thinking about opening a second brokerage account to invest more heavily in bonds with the intent to supplement my parents retirement income since they will need my support. But this video also encouraged me to think outside of the box with my current brokerage account, and do more research of course, and take more risk since I’m only in my mid 20s.

[@jussarafernandes3048]

First, thank you for all these information. Second, could you please talk more about short-term investments? Like to 1-5 years, for a big purchase for example. What do you recommend? Bonds are a good option? To be honest I don't feel like putting my money in to a HY savings account, I feel like I am losing money. Thanks again for the amazing content.

[@OurRichJourney]

Thank you for watching Jussara - and thanks for the video suggestion!!!

[@joelflynn790]

Haha! I really find you guys so entertaining.. i love the head movments, sidelooks and grins during your videos. I thinks its creative and entertaining, ofcourse educational too!😁👍

[@OurRichJourney]

Awesome! Thank you!

[@Cubanbeat]

Hi guys! Question: if you actually (like I do) would like to add bonds into your investment (around 20%), should you place the bonds in a taxable account or a tax deferred account? I've read it makes sense to always have them in the tax deferred accounts as they pay interests, which would then be taxed at your ordinary rate would you had them in your taxable account. Any thoughts?

[@MakuLabs]

Bond fund also has price risk - which is not the case in holding individual high quality bonds. You get x% coupon, but also loose x% in price of bond fund. You cannot really hold a bond fund to maturity! What is your thought about it?

[@KelvinLearnsInvesting]

what do you think about investing in ARKK ETF?

[@danielt7165]

Thank you

[@RosemarieSKikel]

I would love to hear your take on the second stock market crash that many on u tube are predicting. They are pointing to the likes of W, Buffet not buying many stocks and even selling many of his holdings as a sign that it is coming. Thanks

[@OurRichJourney]

It sounds like market timing to us. It's natural for crashes to occur, so we know more will happen. BUT, to predict when they will happen would be impossible.

[@julieouellet247]

You guys explain things very well!

[@OurRichJourney]

Thank you Julie!!!

[@wudie2]

Thank you for this video guys! Appreciate you !!!

[@OurRichJourney]

Thanks for watching!

[@TheSmartLawyer]

If you don't have a healthy mix of stock and bonds you end up cashing in on assets when the share prices are down if you need the money. Usually when my stocks are up my bonds aren't doing as well, and vice versa

[@jayxsnipes]

This is awesome, so much useful information so much detail!!!

[@jeanpolice3044]

Nice content !! Me too I don't plan on having bonds ! Knowledge, Diversification and Self-control is key to all of this !! Respect 💪💪 ⭐

[@OurRichJourney]

Well said! Thanks Jean!

[@asphaltandtacos]

I have senior loan funds as well. The yields are higher.

[@linusverclyte4988]

I never understood the appeal of bonds: in the long run they are actually riskier than stocks since the yield will almost always be lower. Volatility by itself means nothing aslong as you can be reasonably sure you won't lose your money. Which you won't if you invest in index funds/ETF's or very good individual companies and are not stupid enough to sell when they go down. The lower volatility of the bond market is therefore nothing but a psychological sedative that distracts from the basic fact that at the end of the day in almost all cases you'll make more money with stocks than bonds. Bonds do not generally protect against inflation while stocks do. About the only time I'd ever consider buying bonds is if the yield is much higher than stocks. Why would you want to own bonds issued by good companies when you can buy their shares and see your investment appreciate in value over time? Junk bonds are even sillier: if the main reason for buying bonds is safety why forego that safety and invest into something that is actually riskier than (most) stocks? Instead of junk bonds you should be buying either stock ETF's or index funds or individual stocks of high quality, distributing and with a high dividend yield. You'll fare much better that way. If you need safety only buy government bonds (from the major industrialized countries, not from say Jamaica) since instead of being a creditor to corporate America you might as well be part-owner of those corporations. If you need absolute safety cash and cash equivalents are the answer. Why buy bond funds? The yield of bonds is already crap and then you're willing to pay a fee on top of that? Just buy good individual bonds and let them run their course. If you pick the US government as your debtor you will never have to worry about not being paid or losing your principal. I like your idea of having two years worth of savings in cash as well as the notion that if you want to build wealth stocks are the answer hands down. Having that cash cushion will allow you to ride out bear markets with ease.

[@mranjan78]

Hello guys, most of your videos are really helpful. I had a question on how and when can you withdraw money from your portfolio? Is there different process for taking your money out for Index funds and dividend index funds? Yes, I am new and still learning. Will appreciate your help.

[@SuperFS11]

Thanks guys! Glad I checked your channel first when I had questions about bonds. By the way, do you have a video about annuities? Pros and cons?

[@adventureswithemel]

I absolutely love your videos and they've taught me so much. One issue that I continuously come across is interest rates. As a practicing Muslim, I avoid anything where I earn interest. Of course, this is often the bread and butter of financial growth. I wouldn't feel comfortable investing in bonds, so what are other methods of investing, other than active trading, that I could pursue that wouldn't involve interest? Thank you!

[@Boykk]

Thank you so much lovely couple...I always something new from you too...

[@sandropereira888]

Fantastic.. also invest direct in corporate bonds usually are higher "tickets".. Ford for instance min is 5,000.00 Just a quick info on High Yield Bonds ( I'm Brazilian and that's our Normal / Fixed income in non investment grade country). Brazilian large corporate and Federal Bonds are junk, therefore for me risk model is equal to shares and yields are on average 7%/9% aa. Cheers

[@OurRichJourney]

Oh, wow! Thanks for sharing your info on the Brazilian market!

[@lifetimeexpat6433]

What are your thoughts on investing part of the cash emergency fund in bonds? For people whose emergency fund is pretty large and not earning anything mathematically significant in the savings account.

[@BabaCustom]

Lifetime Expat Good question, i recently bought the schwab bond fund with a fraction of my emergency fund, it was just sitting there gathering dust.

[@alecgalbraith5604]

Bonds aren’t immune to market fluctuations, and your hard times are more likely to align with when the entire economy is hurting. It would be unfortunate if you needed to use your emergency fund and its value was slashed by 20%+. But if your emergency fund is so large that you could handle a 20% dip, bonds wouldn’t be the worst thing in the world for at least a portion of your emergency fund.

[@julietravels6400]

I have several years' living expenses in cash, and I recently bought Fidelity® Short-Term Treasury Bond Index Fund (FUMBX) with the proceeds of a CD that matured. This bond fund seems to have a lot better returns than any money market mutual funds or CDs available now and seems to have very low risk (it tracks the Bloomberg Barclays 1-5 Year U.S. Treasury Index).

[@gladstoneh9170]

Enjoyed your videos very much. We lived in Switzerland for a long time and wish you to explore that country.

[@markdunn2179]

Hi - As usual great video! I am retire and for my comfort and emotional well being I like to keep several years of expenses in cash. Based on a previous video you did I believe you keep a year or two also in cash. I decided to invest this money in a bond fund so that it makes at least a little interest. Since you state that you do not invest in bonds do you leave your money in a money market account or something else?

[@leannathomas2013]

Happy Father's day Amon!

[@OurRichJourney]

Thank you Leanna!

[@LennyTurner]

Great video - thank you!

[@hr2079]

Thank you for sharing your perspective guys

[@tommy2days]

Thank you for the videos. They’ve helped tremendously. Aloha🤙🏼