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Subject:  Re: Advise for RothIRA & 401k, please Date:  9/29/2003  12:16 PM
Author:  ImCalvin Number:  37330 of 78165

I intended to buy more this fall, but after reading some articles about bonds, I resisted. To tell you the truth, I still don't understand how bonds work. I'm confused when I read "When interest rates go up, the value of bonds goes down" and vice versa. I should read more about Bonds (including iBonds) and how they act in the market.

You might be better off disassociating regular issue bonds with gov't issued bonds. Generally gov't issue bonds are considered significantly less risky and don't fall or soar with the often talked about bond market. I Bonds in particular are tied to inflation currently at 3.56% (an index adjusted twice yearly) and have a base fixed rate currently 1.1% yeilding a total return of 4.66% annually.

For more info on I Bonds you should go directly to the source ( For info on bonds in general you might look at the Bond board at TMF ( or even at (

But yes, I do