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Reply to "Does it still make sense to invest in bonds if high-yield savings rates are 3.6–4%"
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[quote=Anonymous][quote=Anonymous]Curious what others think as I’m relatively new to investing. Does it still make sense to invest in bonds if I’m already getting 3.6 to 4 percent from a high-yield savings account? I’ve been following a three-fund portfolio for the past few years, BND has yielded less than my HYSA. I’m 47 and not planning to retire for another 15 years. Thanks. [/quote] I’m not a particularly sophisticated investor but added tax free muni bonds to my portfolio in lieu of paying off mortgage early. They pay mid 4% range and interest is tax free, so it’s the equivalent of a 6% annual yield subject to tax. Since mortgage is 3.5%, I figure a safe way of getting better guaranteed return than paying off mortgage. Bonds will mature around retirement age, at which point we’ll use principal to pay off remaining mortgage balance. In total they comprise <8% of total portfolio.[/quote]
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