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If you’re an investor and may stocks or crypto ka na — that’s good! You’re on your way to building wealth.Have you heard about “bonds” sa mundo ng investing?

Siguro napansin mo na that the value of your investment in stocks or crypto moves a lot, depende sa mga nangyayari sa market. As long as you understand these risks, maraming opportunities for growth.

Pero alam mo ba na pwede ka ring magdagdag ng steady at balanced na investment sa portfolio mo? This can be in the form of Bonds or Fixed Income Assets.

So kung may stocks or crypto investments ka na, bakit okay din na may Bonds?

Kapag nag-invest ka sa isang bond, para kang nagpautang sa gobyerno o sa isang kumpanya. In return, magbabayad sila ng interes — na tinatawag na coupon — on a regular schedule.

Halimbawa: Nag-invest ka sa isang P10,000 bond with a 5% coupon. Ibig sabihin, kikita ka ng 5% or P500 per year. Usually, ibibigay ang kita na ito every quarter — so may income ka na P125 every 3 months.

Stocks

Long-term growth at dividends. Pero kapag may market correction (big changes in prices), the value of your investments can go up and down a lot — nagiging volatile.

Crypto

Mas madalas gumalaw ang presyo. Pwede kang mag-gain nang malaki agad, pero pwede ka ring malugi in a single day.

Each bond ay may fixed coupon or interest rate na ibabayad sa’yo. Makakatanggap ka ng predictable and regular na kita. Parang dividends din, pero fixed ang interest rate.
Mas madalang gumalaw ang presyo ng Bonds kaya lower ang risk.
Para may portion ang portfolio mo na hindi gaanong affected ng araw-araw na paggalaw ng presyo sa merkado.

Diversification: Magiging less volatile ang portfolio mo dahil less prone to risk ang Bonds.

Income: Kahit anong lagay ng market, you can expect na may kikitain ka pa rin.

Capital protection: Pagdating ng maturity date, babalik ang pera mo nang buo.

Rebalancing: Kung sakaling bumagsak ang stock prices, pwede mong gamitin ang kita mo from Bonds para bumili ng stocks at a lower price.

In short:

Stocks at crypto: Growth and risk
Bonds: Stability at steady income
Stocks + crypto + bonds: Balanced at less stressful na wealth-building journey for you

Role of Bonds When You Already Have Stocks or Crypto

Role of Bonds When You Already Have Stocks or Crypto