The answer to that question will vary from person to person, depending on circumstances and temperament. Those who can handle some risk and who have many years — if not decades — before retirement might choose to focus solely on stocks, as stocks have outperformed bonds over most long periods.
There are many kinds of bonds, often issued by governments or corporations, with different rates and terms. While U.S. government bonds are among the safest, they tend to offer lower interest rates than corporate bonds. If you expect interest rates to rise for a while, you might invest in shorter-term bonds instead of getting locked into a low rate for a long time. Also consider the U.S. Treasury’s “I-bonds,” which feature inflation-adjusted interest rates.
Here’s some more food for thought: You are far more likely to be killed by an object from outer space , to be struck by lightning in a given year , to die on a commercial flight due to an accident or crash or to be made a saint by the pope than you are to win one of those jackpots. Remember, too, that if you spend any significant sum on lottery tickets, you’re likely to lose most or all of that money, while it could have made you a lot of money had you invested it in the stock market .
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