61. Risks Of Fixed Income Investing bonds are typically classified as investment gradequality (medium - highest creditquality) or below investment grade-quality (commonly referred to as high http://personal.fidelity.com/products/fixedincome/firisksoffixed.shtml

Investment Products Fixed Income Risks of Fixed Income Investing Despite the generally conservative nature of many fixed income investments, such as investment grade-quality bond funds and money market funds, and the tendency of fixed income investments to be more predictable than stocks, investors should be aware that bond funds and individual bonds do carry some degree of risk. Bond funds achieve diversification by holding many securities, so are generally less risky than individual bonds in that regard. However, there are some risks that may apply to both investments, as noted below. Interest Rate Risk Credit Risk Inflation Risk Call Risk ... Fixed Income Glossary Interest Rate Risk If interest rates rise, bond prices usually decline. If interest rates decline, bond prices usually increase. This risk exists because new bonds are likely to be issued with higher yields as interest rates increase, making the old or outstanding bonds less attractive. The longer a bond fund's maturity, the greater the impact a change in interest rates can have on its price. If you don't hold your bond until maturity you may experience a gain or loss when you sell your bond. Top Credit Risk Bonds carry the risk of default, which means that the issuer is unable to make further income and principal payments. Many individual bonds are rated by a third party source such as Moody's or

62. Calvert - Income Investing - Bond Funds - Corporate Bond Funds company to pay interest on time and repay the principal at maturity.Higherrated corporate bonds are considered investment grade. http://www.calvert.com/incinv_559.html

Bond Funds Corporate Bond Funds Calvert Bond Funds Tax-Free Funds ... Asset Allocation Go to ... Account access Address change Contact Calvert E-delivery sign-up E-mail updates Find an advisor Forms/Applications Fund performance Prospectus Bond fund managers can buy a variety of bonds, with a variety of grades and maturities. However, the bond funds are usually grouped by the average ratings of the bonds the fund holds, as well as the average maturities of those bonds. Historically, corporate bond funds have sought to provide: Attractive yields Dependable income Diversity for the portfolio Past performance is no guarantee of future values. Important Legal Information Calvert's Privacy Statement © 2004 Calvert Group, Ltd. Calvert mutual funds are underwritten and distributed by Calvert Distributors Inc., member NASD, a subsidiary of Calvert Group, Ltd. 4550 Montgomery Avenue Bethesda, Maryland 20814 Contact us.

63. Calvert - Income Investing - Bond Funds In bond fund investing, fund maturity is determined based on the averagematurity of all the bonds in the fund. Bond Fund Benefits. http://www.calvert.com/incinv_545.html

Bond Funds Corporate Bond Funds Calvert Bond Funds Tax-Free Funds ... Asset Allocation Go to ... Account access Address change Contact Calvert E-delivery sign-up E-mail updates Find an advisor Forms/Applications Fund performance Prospectus Just as stock investments may be conservative (in large, established, financially stable companies)or aggressive (in small, start-up and other less stable companies), bond types vary. Treasury, municipal, corporate, mortgage and other bond types also vary from conservative to aggressive. Bond Maturities At a bond ’s maturity date, the issuer is required to repay the original loan. Maturities are generally defined as short-term (fewer than five years) intermediate-term (five to ten years) and long-term (more than ten years). Generally, longer-term bonds pay higher income because investors are loaning, and therefore tying up, their money for a longer period of time. In bond fund investing, fund maturity is determined based on the average maturity of all the bonds in the fund. Bond Fund Benefits Diversification Allocating a portion of your assets to bond funds may cushion your portfolio during stock market downturns. No two investment types can be expected to perform the same way at the same time, and when stocks are down, bonds may be doing well, and vice versa.

64. Stocks, Bonds, Mutual Funds. Financial Planning From Cornerstone. We take a value driven, topdown approach to investing. We deal in stocks,bonds and mutual funds for both individual and corporate clients. http://www.cornerstoneri.com/

Financial Planning Money Management Retirement Planning Estate Planning Best Viewed 1024 x 768 We offer financial planning and retirement planning for investors looking for personalized investment advice. Asset allocation and understanding market cycles is the key to our investment success. We take a value driven, top-down approach to investing. We deal in stocks, bonds and mutual funds for both individual and corporate clients. We do not follow the crowd, so our style is not mainstream. Our objective is a high return with low risk. What Wall Street won't tell you, we will. Due to regulatory requirements only those from the following states may enter this site. Alabama, Arizona, California, Colorado, Connecticut, District of Columbia, Florida, Georgia, Hawaii, Illinois, Maine, Maryland, Massachusetts, Minnesota, New Hampshire, New York, North Carolina, Oklahoma, Rhode Island, Tennessee, Virginia, Washington Enter By entering, you are certifying that you reside in one of the states listed above Any questions, comments or observations

65. Domini Social Bond Fund The Domini Social Bond Fund seeks to provide its shareholders with a high levelof current income and total return by investing in bonds and other debt http://www.domini.com/domini-funds/Domini-Social-Bond-Fund/

Welcome to Domini The Domini Story Management Team Action Alert! ... Is SRI Right for You? - Quick Links - Domini Social Equity Fund Domini Social Bond Fund Domini Money Market Account Domini 400 Social Index Investing for Retirement Frequently Asked Questions Prospectus Send Me Information Site Map Domini Funds Domini Social Equity Fund Domini Social Bond Fund Portfolio Performance Social Impact Real-Life Success Stories ... Prospectus Fund Highlights All data as of 3/31/2004. Symbol: DSBFX Fund Type: Intermediate-term, investment-grade bond fund. Socially screened, with community development emphasis. Inception Date Net Assets $57.09 Million Expense Ratio 0.95% annually Dividends Distributed Monthly Accumulated Daily Capital Gains Distributed Annually Minimum Initial Investment $1,000 ($250 for IRAs) $500 Automatic investment plan Initial Sales Fee None (no-load) CUSIP Number Investment Objective The Domini Social Bond Fund seeks to provide its shareholders with a high level of current income and total return by investing in bonds and other debt instruments that meet the Fund's social and environmental criteria. Investment Strategy The Fund normally invests at least 85% of assets in intermediate-term, investment-grade fixed-income securities, including government agency, corporate, mortgaged-backed and asset-backed securities, taxable municipal bonds, and U.S. dollar-denominated bonds issued by non-U.S. entities.

66. Investing Basics: Successful Investing For Beginners (and Veteran Investors) Stock Screening Services AAII Investor Classroom Archive INVESTINGIN bonds The Ins and Outs of Bond Yield AAII Investor Resources http://www.aaii.org/invbas/

MEMBER LOGIN Help Join AAII Store ... Member Benefits ENTER SYMBOL: RiskGrades My Portfolio Model Portfolios Value Line Funds ... LINK TO US! Investing Basics: Successful Investing for Beginners (and Veteran Investors) The AAII investing basics area serves as a useful refresher course for those who need to brush up on investing basics or successful investing. Check out our investing basics download library for articles and software on investing for beginners and successful investing. Our popular investing basics FAQs and Glossary will help you answer almost any investing question. AAII’s investing basics area is your key to successful investing. This step-by-step guide to successful investing is made easy by focusing on the basics needed to build a solid and successful investment portfolio. AAII’s Local Chapter Program Promotes Successful Investing You can easily become a successful investor by attending AAII local chapter meetings near you. AAII's large network of local chapters brings investment education to your doorstep. Attend a meeting in your neighborhood today. Bond Investing Basics: Why Bond Prices Go Up and Down Since the late 1970s, changes in the interest rate environment have become the greatest single determinant of bond returns, and managing interest rate risk has become the most critical variable in the management of bond portfolios.

67. Paperless Savings Bonds, Investing In America: Eyewitness News Newsroom The Treasury Department is coming of age, and the paper savings bonds are beingphased out. investing In America, tips and information to help you save and http://www.wvah.com/newsroom/money/030929.shtml

N E W S R O O M Scripts for Eyewitness News at 10 Monday Tuesday Wednesday Thursday ... Eyewitness News Newscasters YOUR MONEY Paperless Savings Bonds The Treasury is launching a conversion from paper bonds to an online format. You'll be able to set up an account through the Treasury website. The account, known as Treasury Direct, will allow you to buy your bonds online and keep track of their value anytime you'd like. But, there are some other changes you should be aware of. Treasury Direct Buying Bonds You can still buy bonds through a bank, but now you can also purchase them online. The Treasury website will walk you through the steps required to set up an account online and buy the bonds. Tracking Bonds Your account will allow you to log onto the Treasury website at any time, day or night, and check into your investments. Redeeming Bonds Currently, you can redeem your bonds whenever you want. Often, people hold onto them longer than they should, after they've matured and are no longer earning interest. If you set up a Treasury account, the government will redeem your bonds for you the day they mature, and deposit the money into your online account. Your taxes on your investment will become due at the end of the year. Dollar Amounts Vary Currently, you must buy bonds in fixed denominations, because they are printed up in advance. With the online accounts, the amount can vary, and need not be a round amount.

68. Securities, Commodities, And Financial Services Sales Agents In institutional investing, sales agents usually concentrate on a specific financialproduct, such as stocks, bonds, options, annuities, or commodity futures. http://www.bls.gov/oco/ocos122.htm

Skip Navigation Links Latest Numbers U.S. Department of Labor Bureau of Labor Statistics Occupational Outlook Handbook www.bls.gov OOH Search/A-Z Index BLS Home Get Detailed Statistics ... Find It! In DOL Printer-friendly version ( HTML PDF Securities, Commodities, and Financial Services Sales Agents Nature of the Work Working Conditions Employment Training, Other Qualifications, and Advancement ... Sources of Additional Information Significant Points Employment is expected to grow as fast as the average, and competition for entry-level jobs is expected to be keen because sales agents who succeed often have high earnings. A college degree, sales ability, good interpersonal and communication skills, and a strong desire to succeed are important qualifications for this profession. Beginning securities and commodities sales agents must pass a licensing exam to sell securities and commodities. Nature of the Work About this section Back to Top Most investors, whether they are individuals with a few hundred dollars to invest or large institutions with millions, use securities, commodities, and financial services sales agents

69. GH3524 Bonds They also have ratings below that of investmentgrade bonds. The most commonreason for investing in bonds is to provide a steady source of income. http://muextension.missouri.edu/explore/hesguide/famecon/gh3524.htm

Human Environmental Sciences Bonds Joyce Cavanaugh MU Extension Consumer and Family Economics Specialist Bonds offer investors a range of opportunities, from earning stable but low returns to earning large returns by speculating on interest rate movements. Before deciding to purchase bonds, keep in mind that while bonds are typically less risky than stocks, inexperience and nondiversification still put the beginning investor at a disadvantage. Information about bonds may be helpful to the beginning investor who is interested in bond mutual funds or who plans to invest in bonds now (with competent advice) or at some future point. Bonds as debt A bond is actually a loan. When you purchase a bond, you are loaning money to the corporation or government entity that issued the bond. In return you are paid interest on the loan, usually semi-annually. The interest rate is fixed and stated at the time the bond is issued. If bond certificates are actually issued, the interest rate will be stated on the bond certificate. Under the terms of the bond, at the end of the loan period, the borrower will pay back the full amount borrowed and the bond is said to have matured . Sometimes the borrower will pay back the loan early. If this is the case, the bond industry would say the bond has been

70. Investing In Junk Bonds: Inside The High Yield Debt Market investing in Junk bonds Inside the High Yield DebtMarket xby Edward I. Altman and Scott Nammacher. http://www.beardbooks.com/investing_in_junk_bonds.html

Categories Criminal Family Law Healthcare History Intellectual Property Labor and Employment Law Litigation Maritime and Transportation Real Estate Trusts and Estates Investing in Junk Bonds: Inside the High Yield Debt Market By Edward I. Altman and Scott Nammacher 2003/01 - Beard Books 1587981556 - Paperback - Reprint - 272 pp. US$34.95 An especially informative book for all new investors, but just as useful for the seasoned professional. Publisher Comments Category: This title is part of the Business Histories list. Of Interest: The High-Yield Debt Market: Investment Performance and Economic Impact The First Junk Bond: A Story of Corporate Boom and Bust This is a reprint of one of the first comprehensive books on the rise and operation of the high yield debt market as illustrated by the “junk” bond. Published 15 years ago, this classic volume is still relevant in today's challenging market. Among the concepts discussed are expected yields; realized returns; default experience; market growth and size; credit quality trends; related mutual fund results and portfolio holdings; mergers/acquisitions and takeovers; new issue and issuer characteristics; underwriter strategies; and developing investment strategies, particularly using an objective credit model. From the back cover blurb: Written by the preeminent academic authority on high yield bonds and co-authored by a highly respected and experienced practitioner, this is a reprint of one of the first comprehensive books on the rise and operation of the high yield debt market as illustrated by the "junk" bond. Published 15 years ago, this classic volume is still relevant in today's challenging market. Among the concepts discussed are: expected yields; realized returns; default experience; market growth and size, credit quality trends, related mutual fund results and portfolio holdings; mergers/acquisitions and takeovers; new issue and issuer characteristics; underwriter standings; and developing investment strategies, particularly using an objective credit model. The development of portfolios is a subject of analysis.

71. KWSnet Investing: Bonds, Options, Funds Index Check to have links open in new windows. Use CtrlF to search this page. InvestingBonds/Options/Funds Click to go to top of page and navigation menus. http://www.kwsnet.com/invebond.html

KWSnet Investing - Bonds, Options, Funds Index KWSnet ... Internet Resources, Reference, Research ... Media, Journalism, News, Radio, TV ... Newsfeeds ... Other Resources ... Shopping ... All of KWSnet KWSnet Weblog [Advanced Search] [Top Stories] [Help] [Advanced Search] Check to have links open in new windows. Use Ctrl-F to search this page. Investing: Bonds/Options/Funds BONDS/FIXED INCOME FUTURES/OPTIONS/COMMODITIES MUTUAL FUNDS Bonds Online ... Xpresstrade Mutual Funds AllianceCapital - Mutual Funds at a Glance includes equity funds, fixed income funds (taxable or tax-exempt), and money market fund. Calvert Group Mutual Funds - Known for offering socially-screened mutual funds as well as tax-free investment products. Domini Social Investments (DSI) - The Domini Social Equity Fund (DSEF) is a no-load mutual fund which seeks to provide its shareholders with long-term total return which corresponds to the total return performance of the Domini 400 Social Index (DSI) , an index of 400 companies that pass multiple broad-based social or ethical screens. The DSI includes companies with positive records in community involvement, the environment, employee relations, product related issues, and hiring practices. It strives to avoid companies with significant revenues from alcohol, tobacco, gambling, nuclear power and weapons contracting.

72. Alexa Web Search - Subjects > Business > Investing > Stocks And Bonds Stocks and bonds Subjects Business investing Stocks and bonds. Browse, Bondinvesting Allin-one site for bond buyers. Learn, search and buy. FMSbonds. http://www.alexa.com/browse/categories?catid=3535

73. College Savings Bonds What are the advantages of investing in Illinois College Savings bonds? Whatare the advantages of investing in Illinois College Savings bonds? http://www.state.il.us/budget/bonds.htm

Frequently Asked Questions Illinois College Savings Bonds are tax-exempt, zero-coupon bonds issued by the State of Illinois. These bonds are issued by the State to provide individual investors with a long-term investment to help fund college expenses. Since January 1988, the State has issued 12 series of the bonds with a total maturity value of $4 billion. Thousands of Illinois families have invested in College Savings Bonds to save for their children’s future college expenses. Sales are typically held in the fall. These bonds are structured as zero-coupon bonds and pay no interest until maturity. Each bond is priced at a discount so that the original principal amount plus the accrued interest equals $5,000 at maturity. Illinois College Savings Bonds are general obligation bonds of the State of Illinois. The State’s full faith and credit is pledged for the punctual payment of principal and interest on the bonds. The monies received by the State from the sale of the bonds are used to support the State’s capital program. The material in this website is for general information ONLY.

74. Welcome To Rediff.com Maps. Stocks. Funds. Personal Finance. Economy bonds. investing 101 Readthe latest exclusive commentary on SmartMoney Select. Personal Finance. http://search.rediff.com/dirsrch/default.asp?MT=personal finance

75. Markets & Stocks: Bonds And Rates Money 101. Portfolio. Calculators. Email newsletters. Mobile news. Money archives. Buy story reprints. Find a Mortgage. Markets Stocks bonds Rates. More bonds charts below. bonds post modest gains, dollar down. May 11 519p http://www.money.com/markets/bondcenter

Web CNN/Money Autos Real Estate Money's Best Home ... Real-time Quotes CNN/Money Email newsletters Mobile news Money archives Buy story reprints ... Bonds dip, dollar weakens Jun 7: 9:54a Yields for 2-year note reach a 2-year high of 2.74%; greenback falls against the euro and yen. ( more Jun 4 Bonds fall on May jobs report Jun 3 Bonds edge higher, dollar mixed Jun 2 Bonds fall, dollar mixed Jun 1 Bonds down, dollar mixed May 28 Bonds, dollar trade lower May 27 Bonds rally, dollar dips May 26 Bonds jump, dollar mixed Bond Price Change Yield Change 2 yr 5 yr 10 yr 30 yr last update: 16:09 EDT SEVEN INDICATORS Gain a sense of what lies ahead for the economy. CNN/Money tracks a select group of economic indicators and tells you what they're saying. Click here More prices and yields market data provided by CNN money contact us magazine customer service ... press room OTHER NEWS: CNN SI Fortune Business 2.0 ... Terms under which this service is provided to you. Reprints of site stories are available.

76. Income Securities, Bonds, Convertibles, Preferreds And Hybrids Area. Preferred Price Movers. Investment Advisory Services. CustomResearch. Defaulted bonds Newsletter. Bloomberg Terminal Services. http://www.incomesecurities.com/index.cfm

Learn more about the ISI Newsletter ISI on Forbes ISI Newsletter Operating Manual PET Bonds ... Bloomberg Terminal Services Principal Protection Portfolio Diversification Cash Income A Broad Selection of Recommended Securities ranging from Low Risk to High Risk List of Past Recommendations Newsletter Users Manual Interest Rate Commentary Glossary of Terms Email Alerts Preferred Price Movers

77. Morningstar: Stocks, Mutual Funds, Investing And Personal Finance Will BondFund Investors Suffer More Pain? Bob Rodriguez cites inflation pressuresfor his bearish outlook by Russel Kinnel, Director of Fund Research. http://www.morningstar.com/

document.write(''); Home Portfolio Stocks Funds ... Click for our guidance on ETFs Monday, June 07, 2004 document.write(''); New Online Seminar Click for information about smart ways to benefit from ETFs. Learn more Portfolio Tour Find out why our Portfolio tool is ranked #1 by Barron's. Watch our tour. Conversations See what other investors have to say about: Investing Centers 401k Guide Bonds and Bond Funds College Savings International Investing ... Wealth Management Morningstar Newsletters Morningstar FundInvestor Morningstar StockInvestor Morningstar Fund Alert Morningstar Buy/Sell New Fund Family Newsletters Vanguard Fidelity T. Rowe Price American Funds Find an Article Article Archive Ask the Analyst Ask the Expert Five-Star Investor Foreign Fund Insight Fund News Fund Times Fund Spy Improving Your Retirement Shareholder Letters Special Reports Stocks Mngrs are Buying Stock Strategist 7-day Editorial Archive Free Analyst Report with Star Rating Enter Ticker Stocks and Mutual Funds Finally, Strong Funds Gets a Management Upgrade Legal settlement shows a dire need to reconnect with fiduciary duty. by Russel Kinnel, Director of Fund Research

78. Invest FAQ:Bonds:Index This page s URL is http//investfaq.com/articles/index-bonds.htmlThe Investment FAQ is copyright © 2004 by Christopher Lott. http://invest-faq.com/articles/index-bonds.html

Navigate ..FAQ home ..search Articles ..index ..full text Browse ..the bookshelf Join ..the email list Surf ..invest links Tour ..for beginners ..for investors ..for traders About ..what is it? ..what's new? ..contributors ..contact info Category Index: Bonds These articles give an overview of the world of bonds, including a basic introduction, the types of bonds sold by the U.S. Treasury, and a fair amount of detail about U.S. Savings Bonds. Basics Amortizing Premium Duration Measure Moody Bond Ratings ... Zero-Coupon Search the Web: Investment FAQ In Google's web index fiSearchFormMaxSetId='AX005722'; Previous category is Analysis Next category is CDs Index of all articles This page's URL is http://invest-faq.com/articles/index-bonds.html Christopher Lott Please read the , and privacy statements.

79. Bond Funds Before investing in a bond fund, you should carefully read all of the fund’savailable information, including its prospectus and most recent shareholder http://www.sec.gov/answers/bondfunds.htm

Home Previous Page Bond Funds "Bond fund" and "income fund" are terms used to describe a type of investment company mutual fund closed-end fund , or Unit Investment Trust (UIT)) that invests primarily in bonds or other types of debt securities. Depending on its investment objectives and policies, a bond fund may concentrate its investments in a particular type of bond or debt security—such as government bonds, municipal bonds corporate bonds , convertible bonds, mortgage-backed securities, zero-coupon bonds —or a mixture of types. The securities that bond funds hold will vary in terms of risk, return, duration, volatility, and other features. A common misconception among some investors is that bonds and bond funds have little or no risk. Like any investment, bond funds are subject to a number of investment risks including: "Credit risk" This is the risk that the issuers of the bonds owned by a fund may default (fail to pay the debt that they owe on the bonds that they have issued). This risk may be minimal for funds that invest in insured or U.S. Government bonds. "Prepayment risk" This is the risk that the issuers of the bonds owned by a fund will prepay them at a time when interest rates have declined. Because interest rates have declined, the fund may have to reinvest the proceeds in bonds with lower interest rates, which can reduce the fund’s return. (Not all bonds, however, can be prepaid.)

80. Your Investment Options TOP. bonds. An Investor s Guide to Corporate bonds – Information from TheBond Market Association to help investors understand corporate bonds. http://www.sec.gov/investor/pubs/investop.htm

Home Previous Page Investment Choices Account Info Basics Bonds CDs ... Variable Annuities Account Info About Settling Trades in Three Days: Introducing T+3 Holding your Securities Opening a Brokerage Account Trade Execution: What Every Investor Should Know ... TOP Basics Ask Questions Get the Facts on Saving and Investing Investing for Your Future Savings Fitness: A Guide to Your Money and Your Financial Future ... PDF format.) TOP Bonds An Investor's Guide to Corporate Bonds An Investor's Guide to Municipal Bonds Putting Compound Interest to Work Through Zero Coupon Bonds - The Bond Market Association provides information about zero coupon bonds. An Investor's Guide to Tax Exempt Zero Coupon Municipal Bonds -Information about municipal zero coupon bonds from the Bond Market Association. TOP About Your Broker Financial Planning Resource Kit Invest Wisely ... TOP CDs Certificates of Deposit: Tips for Investors TOP Futures Glossary of Futures Terms PDF format.) A Guide to Understanding Opportunities and Risk in Futures Trading TOP International Investing International Investing: Get the Facts PDF format.

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