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sg-bond-articles-masthead

Eight types of bonds you should know

In the broad fixed income universe, you will find bonds with different issuers, credit ratings, coupons, and other features. Each offers its own balance of risk and reward.

Sg types of bonds article

1. Zero coupon bonds

Make no periodic interest payments, but instead are offered at a discount from face value, which can be redeemed in full at maturity.

2. Convertible bonds

Have typical bond characteristics (maturity date, credit rating) but also include an option to be converted into equity of the underlying company.

3. Corporate bonds

Issued by financial institutions or companies to fund their operations.

4. Government bonds

Issued by a government to support spending, to balance budgets, or even to stimulate the economy.

5. High yield / junk bonds

Lower quality bonds which S&P and Fitch rates BB+ and below and Moody’s Ba1 and below, with a higher yield to compensate for the higher credit risk.

6. Investment grade bonds

Relatively high quality bonds with a minimum S&P or Fitch rating of BBB-, or a minimum Moody’s rating of Baa3.

7. Fixed rate bonds

Pay a fixed amount of interest at regular intervals, hence offer stable return.

8. Floating rate bonds

Pay variable amounts of interest linked to market interest rates, hence the potential for higher, or lower, return as rates rise or fall.

This article is written by Fidelity International.

This article is for general information only and it does not constitute an offer, recommendation or solicitation of an offer to enter into any transaction or adopt any hedging, trading or investment strategy, in relation to any securities or other financial instruments, nor does it constitute any prediction of likely future movements in rates or prices or any representation that any such future movements will not exceed those shown in any illustration. This article has not been prepared for any particular person or class of persons and it has been prepared without regard to the specific investment objectives, financial situation or particular needs of any person, and does not constitute and should not be construed as investment advice nor an investment recommendation. Where the article describes any insurance product or service, it also does not constitute an offer, recommendation or solicitation of an offer to buy or sell any insurance product or service, nor is it intended to provide insurance or financial advice. You should seek advice from a licensed or an exempt financial adviser on the suitability of a product for you, taking into account these factors before making a commitment to purchase any product. In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should carefully consider whether the product is suitable for you.

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