{"id":58175,"date":"2023-07-24T00:00:00","date_gmt":"2023-07-24T00:00:00","guid":{"rendered":""},"modified":"2024-01-10T15:19:38","modified_gmt":"2024-01-10T20:19:38","slug":"bonds-yes-bonds-are-trending-but-are-they-right-for-you","status":"publish","type":"rbc_my_money_matter","link":"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/investing-academy\/bonds-yes-bonds-are-trending-but-are-they-right-for-you\/","title":{"rendered":"Bonds (Yes, Bonds!) Are Trending. But Are They Right for You?"},"content":{"rendered":"<div class=\"wp-block-rbc-single-article-header\">\n\t<section class=\"section-grey cover pad-t-hlf\">\n\t\t<div class=\"section-inner w-half w-mob-full centered-margin cover section-grey pad-tb-0\">\n\t\t\t\t\t\t\t<div class=\"inline-block pill-container pill-taxonomies\">\n\t\t\t\t\t<div class=\"mar-b-hlf mob-mar-b snipe pill is-style-blue-pill\">\n\t\t\t\t\t\t<a class=\"primary-taxonomy\" href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/personal-finance\/\">\n\t\t\t\t\t\t\t<span>Personal Finance<\/span>\n\t\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t<h1 class=\"mar-b-hlf mar-t-0 mob-pad-lr-hlf h2 has-black-color\">Bonds (Yes, Bonds!) Are Trending. But Are They Right for You?<\/h1><p class=\"mar-b-0 mob-pad-lr-hlf author-text\">By Owen Guo<\/p>\t\t\t\t\t<div class=\"featured-image-wrapper pos-rel\">\n\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"930\" height=\"620\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Untitled-design-2023-07-24T122323.026.png?quality=80\" class=\" cover-image  wp-post-image\" alt=\"Illustration of a businessman archery percentage arrow high up into the sky\" srcset=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Untitled-design-2023-07-24T122323.026.png 930w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Untitled-design-2023-07-24T122323.026.png?resize=300,200 300w, https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/Untitled-design-2023-07-24T122323.026.png?resize=768,512 768w\" sizes=\"auto, (max-width: 930px) 100vw, 930px\" \/>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t<\/section>\n\t<div class=\"article mar-t-dbl\">\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner socials-section\">\n\t\t\t\t<div class=\"top-socials-bar mob-mar-b-hlf\">    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Bonds (Yes, Bonds!) Are Trending. But Are They Right for You? &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/investing-academy\/bonds-yes-bonds-are-trending-but-are-they-right-for-you\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/investing-academy\/bonds-yes-bonds-are-trending-but-are-they-right-for-you\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  <\/div>\n\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section>\n\t\t\t<div class=\"section-inner w-half w-mob-full centered-margin pad-tb-0 mob-mar-t-hlf mob-mar-b\">\n\t\t\t\t<p class=\"cover-pub-line text-xs mar-b-hlf\">Published July 24, 2023 \u2022 5 Min Read<\/p>\t\t\t<\/div>\n\t\t<\/section>\n\t<\/div>\n<\/div>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner w-half w-mob-full\" style=\"border-radius:0x\">\n<p>Investing in fixed income can often be an afterthought.<\/p>\n\n\n\n<p>In the investment world, bonds are typically overshadowed by riskier assets like stocks. You rarely see bond indexes flicker across your TV screen. Plus, there can be some head-scratching math: <em>Why do bond prices fall when yields rise<\/em>?<\/p>\n\n\n\n<p>Fixed income securities such as bonds may seem dull. But their power shouldn\u2019t be underestimated. With recession fears lingering and bond returns looking attractive again, the asset diversification they provide to investors has garnered renewed attention.<\/p>\n\n\n\n<p>If you\u2019re looking to add fixed income to your portfolio, here are four things to know.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What\u2019s fixed income?<\/h2>\n\n\n\n<p>Fixed income is an umbrella term for a variety of investment securities which pay the investor a fixed interest amount on a fixed schedule until their maturity date. When you buy a bond, you lend your money to entities like governments and corporations, which promise to pay your principal back \u2013 plus interest.<\/p>\n\n\n\n<p>Typically considered lower-risk, fixed income has historically moved in the opposite direction of stocks, providing downside protection within an investor\u2019s portfolio.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What are the benefits of fixed income?<\/h2>\n\n\n\n<p>Fixed income investments provide benefits aside from portfolio diversification. Knowing how much you\u2019ll earn through the certainty of bonds can take some of the stress out of planning your down payment, your child\u2019s education savings or retirement income.<\/p>\n\n\n\n<p>But it\u2019s not just about regular income. \u201cFixed income can serve many purposes for investors,\u201d says Brigitte Felx, a senior regional manager at RBC Global Asset Management. \u201cIt provides a predictable source of income, helps preserve capital and adds diversification to a portfolio as they usually tend not to move in the same direction as other asset classes,\u201d she says.<\/p>\n\n\n\n<p>Indeed, a well-balanced portfolio includes allocations to both equities and fixed income, aligned to an investor\u2019s risk profile. A properly diversified fixed income allocation, such as a mutual fund or exchange-traded fund (ETF), can help an investor smooth out their long-term investing experience to help them meet their financial goals.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What impacts bonds?<\/h2>\n\n\n\n<p>Bond investors watch interest rates closely. That\u2019s because when rates rise, bond prices fall.<\/p>\n\n\n\n<p>Suppose you\u2019ve bought a five-year bond for $1,000. With a five per cent&nbsp;coupon rate, the bond will earn $250 in income if held to maturity. Say, a year from now, interest rates go up to eight per cent, meaning a new five-year, $1,000 bond would generate $400 in income. Since bonds are traded, your existing bond would become less attractive in the marketplace; not a big worry if you held it to maturity, but you\u2019d be faced with lower prices if you wanted to sell.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why now?<\/h2>\n\n\n\n<p>According to data from New York University, between 1918 and 2022, bonds and stocks almost always moved in opposite directions. In an unusual development, bonds and stocks declined in tandem in 2022, driven by a combination of factors like inflation and successive interest rate hikes. A simultaneous drop in both asset classes is rare.<\/p>\n\n\n\n<p>Today, fixed income appears to have turned a corner.<\/p>\n\n\n\n<p>Based on market data compiled by RBC Global Asset Management, fixed-income securities were back on investors\u2019 radars in mid-October 2022 and it appears bonds have been on better footing for the first half of 2023. (The chart below shows year-to-date returns of various bonds).<\/p>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/uploads\/sites\/12\/2023\/09\/download-1.png\" alt=\"Bonds Chart\" class=\"wp-image-50220\" \/><\/figure>\n\n\n\n<p><em>Source: Morningstar Direct, Bloomberg. US HY Bonds = ICE BofA US High Yield TR Index, Canadian Universe Bonds = FTSE Canada Universe Bond Index, Investment Grade (IG) Corporate Bonds = ICE BofA US Corporate TR Index, Emerging Market (EM) Bonds = JPM EMBI Global Diversified TR Index. Returns are in Canadian dollars. The graph does not reflect transaction costs, investment management fees or taxes. If such costs and fees were reflected, returns would be lower. Past performance is not a guarantee of future results. An investment cannot be made directly into an index.<\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Know what\u2019s right for you<\/h2>\n\n\n\n<p>There are a few things you should consider before investing in fixed income.<\/p>\n\n\n\n<p>\u201cWhat are your goals and what\u2019s the income level you hope to achieve? Most importantly, what is your time horizon and risk tolerance?\u201d Felx says. She adds that you should consider the full suite of fixed income products available to you, including mutual funds and ETFs.<\/p>\n\n\n\n<p>More broadly, Felx says it\u2019s important to focus on the long term.<\/p>\n\n\n\n<p>&#8220;It\u2019s important to tune out the headline noise. Long-term investing involves defining your goals and&nbsp;putting a strategy in place&nbsp;that fits your situation and tolerance for risk,\u201d she says. \u201cMarkets may be choppy now, but over time, investing in fixed income solutions can be a good way to ensure your portfolio remains resilient and on track to achieve your goals.\u201d<\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible  mar-b-hlf\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse8251c82f\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse8251c82f\" data-dig-id=\"LP-58175-8251c82f\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Disclaimers\"><span>Disclaimers<\/span><span>Disclaimers<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse8251c82f\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p><em>Financial planning services and investment advice are provided by Royal Mutual Funds Inc. (RMFI). RMFI, RBC Global Asset Management Inc., Royal Bank of Canada, Royal Trust Corporation of Canada and The Royal Trust Company are separate corporate entities which are affiliated. RMFI is licensed as a financial services firm in the province of Quebec.<\/em><\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse834a1009\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse834a1009\" data-dig-id=\"LP-57738-834a1009\" data-dig-category=\"LP\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things our lawyers want you to know\"><span>Things our lawyers want you to know<\/span><span>Things our lawyers want you to know<\/span><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse834a1009\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p>This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\t\n\t<div class=\"wp-block-tk-spacer id-d6f3bb1c-ed76-4891-bb02-9dcb82977e13\" aria-hidden=\"true\"><\/div>\n\t\n\n\n<p class=\"has-text-align-center h5 mar-b\"><strong>Share This Article<\/strong><\/p>\n\n\n\n\t\t<div class=\"socials-block\">\n\t\t\t    <div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n            <a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=Bonds (Yes, Bonds!) Are Trending. But Are They Right for You? &#038;body=Hi, I thought you might be interested in this article from RBC My Money Matters: https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/investing-academy\/bonds-yes-bonds-are-trending-but-are-they-right-for-you\/\">\n        <img decoding=\"async\" src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n          alt=\"envelope icon\">\n        <span>\n          Email        <\/span>\n      <\/a>\n      <div class=\"social-button-wrapper sharing-copy-wrapper\">\n        <button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/inspired-investor\/investing-academy\/bonds-yes-bonds-are-trending-but-are-they-right-for-you\/\">\n          <img decoding=\"async\"\n            src=\"https:\/\/www.rbcroyalbank.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n            alt=\"copy icon\">\n          <span id=\"sharing-copyUrl-Label\">\n            Copy URL          <\/span>\n        <\/button>\n        <input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n      <\/div>\n    <\/div>\n  \t\t<\/div>\n\n\t\t\n\n\t\n\t<div class=\"wp-block-tk-spacer id-160196c7-9eb5-40a1-a8d8-f88aff6995e4\" aria-hidden=\"true\"><\/div>\n\t\n\n\n\t\t\t<div class=\"wp-block-rbc-single-post-topics related-topics-links\">\n\t\t\t\t<p class=\"h5 mar-r-hlf\">Topics:<\/p>\n\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.rbcroyalbank.com\/en-ca\/my-money-matters\/topic\/personal-finance\/\" class=\"btn topic mar-t-0 mar-r-qtr mar-b-hlf\">Personal Finance<\/a>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t<\/div>\n<\/section>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel mob-pad-t-dbl\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading mar-b mob-mar-b-dbl 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