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What are Municipal Bonds? | Fidelity
 
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Learn the details behind general obligation municipal bonds – what they are, why they are created, and how they work – with this illustrated video by Fidelity. To learn more about municipal bonds, please visit https://www.fidelity.com/fixedincome-bonds/individual-bonds/municipal-bonds. To see more videos from Fidelity Investments, subscribe to: https://www.youtube.com/fidelityinvestments Facebook: https://www.facebook.com/fidelityinvestments Twitter: https://www.twitter.com/fidelity Google+: https://plus.google.com/+fidelity LinkedIn: https://www.linkedin.com/company/fidelity-investments ----------------------------------------------------------------------------------------------- Many people purchase municipal bonds as part of their overall investing strategy, but there’s quite a story behind how they are created, how they work, who’s involved. The municipal bond process can be a complicated one, so we’ll try to simplify it for you. Our story begins by paying a visit to Anytown, USA. Anytown is a great place to live. There’s a thriving cultural scene, good schools, and a strong business environment. It’s no wonder that many families have moved here. But, with lots of families now living in Anytown, the schools are bursting at the seams. The mayor, town council, and school district leaders all agree that a brand new school is needed, in addition to expansions to some of the existing school buildings. But, at an estimated cost of $30,000,000, how will the town pay for it? The town leaders come up with a plan to raise these funds by issuing bonds. This means that Anytown will borrow money from investors with the expectation of paying them back, with interest, over time. The people who will actually use the school building in the future will also be the folks paying for it. Anytown will use property tax revenues to repay the investors, backed by the full faith and taxing authority of the town. This is called a “general obligation municipal bond.” But, things can’t move forward just yet. Voter approval of the proposal is required. So, a bond proposal is developed and put on the ballot, as part of an election. The votes are tallied and the proposal is passed. At this point in our story, some new characters enter the scene: the underwriter, the bond counsel, and in most cases, the financial advisor. The financial advisor helps Anytown make decisions regarding the bond issue and works with the underwriter to determine pricing and distribution to investors. The underwriter acts as a liaison between the town and potential investors when bringing the bond issue to market. An underwriter can be chosen in two ways: via competitive sale or negotiated sale. The leaders of Anytown decide to go the competitive route, and put the bond issue out to bid. This is where the bond counsel, Smith & Jones Law Firm, enters the picture. Smith & Jones prepares the bond documents, including the Official Statement, and since Anytown has chosen the competitive route, a Notice of Sale. The Official Statement contains all the information a prospective investor needs in order to invest in Anytown’s bond issue. The underwriter will review the Official Statement and decide whether to bid on the bond. The bond counsel also writes the legal opinion, which provides justification and law for the tax exempt status of the issue and ensures that the bonds are valid and binding obligations for Anytown. The firm does not comment on the investment merit of the bond issue. Now that the legal opinion is in place, the Notice of Sale can be completed and posted. ABC Investment Bank sees the ad and is interested in underwriting it, with the ultimate goal of buying the muni bond issue from Anytown, and reselling it to investors. Before submitting a bid, however, they would like to invite other investment banks to participate with them, so they decide to form a syndicate and act as the syndicate manager. Forming a syndicate will allow the bank to share the marketing and distribution duties, as well as some of the financial risk of underwriting the bond issue. Two banks, JKL and XYZ, agree to join ABC Syndicate and they submit a bid. Back at Anytown town hall, the bid is reviewed, along with several others up for consideration. After much deliberation, the bond issue is awarded to the syndicate formed by ABC Investment Bank because they turned in the lowest borrowing cost. The syndicate goes to work as the underwriter, reaching out to individual and institutional investors to determine their interest in purchasing the bonds [...] Fidelity Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917 608004.3.0
Views: 61721 Fidelity Investments
Municipal Bonds or Muni Bond Funds: Investing 101 w/ Doug Flynn, CFP
 
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Doug Flynn, CFP, of Flynn Zito Capital Management, LLC on the many ways to Invest Municipal Bonds Ali: ...He started by telling us exactly what a municipal bond is. Doug: You're basically lending money to a municipality, to a government, a state, a city, to do particular projects, and for that they're going to pay you interest, and that interest is typically tax-free. Ali: Generally speaking though, if I buy an individual bond, I know what my return is going to be. There might be some chance I don't get paid, they're all rated, but if I get paid, I'm going to get a return, a percentage return. Doug: That's right, as a standard return, you might get interest every six months, which doesn't automatically reinvest, there's no way to do that: you're going to take that check and do something else with it. But absolutely, you know what you're going to get, and when you're going to get it. The problem now is if you buy a thirty year bond at a low point, and rates are higher in five years, you're going to be very angry that you locked in at a lower point when there will be higher bond rates coming in a few years. Ali: So that is the advantage of buying it in a fund, because a fund manager trades in and out of these things. Doug: That's right, and people dont realize that there is a benefit to trading, because when they do something called bond swaps, where there might be a way to do different things by buying one bond and selling another one that boosts the yield. But absolutely, you get bonds that get called on you, and the fund also has the benefit of a monthly dividend that can reinvest, so a lot of people like that. It's also a much better, easier, cheaper way to get involved. When you buy an individual municipal bond, people don't realize, unless you have $1,000,000, you're not an institutional investor, you're paying a price that can be 2 or 3 or 4% more, where a fund is going to pool that asset, or if you have that $1,000,000, you can get preferential pricing, but it's what the funds are going to hopefully bring to you. But you don't get a fixed return, and your fixed principal back to you. Ali: So doesn't that defeat the purpose? Because I buy a bond knowing what I'm getting over time. Doug: There are times you may want to buy an individual bond no matter what type of bond it is. I would say at a time when rates are extremely high, and possibly going down. That's when you want to lock in for as long as you can. But when rates are constantly going up, for the next couple of decades perhaps, and I don't know when, these are ways you can kind of roll into that, and not commit a whole bunch of money at a particular low point. Ali: Right, and these have all kinds of flavors. So you talked about buying a certain type of individual bond, that's not for everybody, you talked about mutual funds. There are even exchange traded funds for bonds. Now I know how ETFs typically work, it's a basket of stocks that you buy, it's got a ticker, you buy it like a stock. How do they work when it comes to municipal bonds? Doug: It's exactly the same way. Now an ETF is a mutual fund, it just happens to be one that also trades on the stock market. So you can find municipal bond funds that trade on the exchange throughout the day. You get into the movement of the market on a daily basis throughout the day, as opposed to only at the end of the day with a traditional mutual fund. But you can buy them in ETF format. Therefore they might be a little bit cheaper... Ali: Cheaper because there's a lower fee because you don't have to pay a manager... Doug: Correct, but you might not be able to reinvest the dividend off of that, so that's a little bit different. Ali: It worries me though, because you need a certain sophistication to understand getting in and out of bonds. Now do I give that up by going for an ETF versus one where I am paying for a manager who's a specialist one hopes. Doug: There is value in trading bonds if the manager you're choosing knows what they're doing, so if you take an individual municipal bond, you have one bond, you're subject to it, you buy an ETF that's a fixed basket that isn't necessarily actively traded, but maybe it's fifty bonds instead of one, but there is an active trading, but then you have a more common traditional fund, where the manager hopefully is trading and bringing something of value to the equation for you. So those are different risks depending on how you would like to do it. Ali: Now let me ask you one more thing. A unit investment trust, what is that? Doug: It's similar to an ETF, it's a basket of securities that many different firms put out there, but they have a maturity date. But all these things should be available to you, and you should research, or an adviser can help you out based on what your needs are, and that will be the best way to buy some municipal bonds if you need some additional, tax-free income.
Views: 6380 FlynnZito
Advantages of Investing in Municipal Bonds
 
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This video discusses the advantages of investing in municipal bonds: namely, the historically lower risk of default (relative to corporate bonds) and tax-exempt nature of most municipal bonds. The video provides an example to show how the after-tax return of a municipal bond can be higher than a corporate bond that has a higher pretax yield. The video also demonstrates why municipal bonds are more attractive to high-income investors by showing that the tax-equivalent yield of a municipal bond increases as a person's tax rate increases. Edspira is your source for business and financial education. To view the entire video library for free, visit http://www.Edspira.com To like us on Facebook, visit https://www.facebook.com/Edspira Edspira is the creation of Michael McLaughlin, who went from teenage homelessness to a PhD. The goal of Michael's life is to increase access to education so all people can achieve their dreams. To learn more about Michael's story, visit http://www.MichaelMcLaughlin.com To follow Michael on Facebook, visit https://facebook.com/Prof.Michael.McLaughlin To follow Michael on Twitter, visit https://twitter.com/Prof_McLaughlin
Views: 6902 Edspira
Tax Free Municipal Bonds | BeatTheBush
 
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Tax-free municipal bonds is a useful tool in creating more tax free income. Buying this very special type of asset class allows the dividends you get to be tax free. If you are in a high tax bracket, then these types of bonds is ideal as compared to earning dividends on the free stock market. Support more videos like this along with getting a bunch of perks here: http://www.patreon.com/BeatTheBush Get a free audiobook and 30-day trial. Even if you cancel, you still keep the book and you still support my channel for signing up. Support my channel by signing up to help me make more videos like this: http://www.audibletrial.com/BeatTheBush ▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬▬ Credit Card for Starters Who Should NEVER Get a Credit Card: https://youtu.be/aNYZkMgTyb0 Only Use Credit or Only Use Debit: https://youtu.be/J0ZRgBIG39Q Credit Card Basics How Credit Card Calculates Interest: https://youtu.be/0Z2nWQdqa2A How Credit Card Grace Periods Work: https://youtu.be/8WuH3-PsjCA Difference Between Credit Card Inactivity and 0% Utilization: https://youtu.be/rtfJMZf_IrM Credit Card Statement Closing Date vs. Due Date: https://youtu.be/3-knvT7JbTk Does Canceling Credit Cards Affect Credit Score: https://youtu.be/jYGZukw5i-Q Can You Afford a No Limit Credit Card: https://youtu.be/sdAh7hzgJoU Credit Card Balance Transfer Hack: https://youtu.be/F2Foqg2ZTEw Credit Score Less Than 700 Maximize Credit Score while in College: https://youtu.be/pxGECoQoLLA Build Credit Fast with a $500 Credit Limit: https://youtu.be/attQKzngqoE How to Pay off Credit Card Debt: https://youtu.be/XY8YSPapnF8 How to Build Credit with Bad Credit or No Credit [w/ Self Lender]: https://youtu.be/RNXutBGAnlM How to Boost Your Credit Score Within 30 Days: https://youtu.be/LyBjciz4-zg Credit Score More Than 700 How to Increase Credit Score from 700: https://youtu.be/MCFKNBcyAWs 740+ is Not Just For Show: https://youtu.be/1fGcpxurzgU My Credit Score: 848, How to get it Part 1: https://youtu.be/dEZLZQXRBjQ My Credit Score: 848, How to get it Part 2: https://youtu.be/Y6-SB35C7Pc My Credit Score: 848 - Credit Card Hacks and How I got it: https://youtu.be/8Xz3hi3VWfM Advanced Credit Card Tricks How to get a Business Credit Card: https://youtu.be/S3srld5_l5Y Keep 16 Credit Cards Active: https://youtu.be/yAzkEK8Y6E8 Rejected for a New Credit Card with 826 Credit Score: https://youtu.be/66O505Oj5e4 Make Credit Cards Pay You Instead: https://youtu.be/wKMJdX1fQJA Credit Card Low Balance Cancellation $2 per mont [Still Works]: https://youtu.be/2DJjfvcMCcg Cash Back Are Credit Card Points Taxable?: https://youtu.be/Tw90h8I5JNk How to Churn Credit Cards: https://youtu.be/uw__fl38Dk4 Best Cash Back Credit Cards for 2017: https://youtu.be/e_uJweUsiDk 5% Cash Back on Everything: https://youtu.be/q9g_rySm_tI Always get 11% Off Amazon Gift Cards and Amazon Hacks: https://youtu.be/vbv6Rj2uUr4 Max Rewards: What's in My Wallet: https://youtu.be/cmJDFcbjFho How I Make 200 Dollars in 10 Minute [Hint: Credit Card Bonus]: https://youtu.be/pegq4G7ZhTI When Your Best Cash Back Card Gets Cancelled: https://youtu.be/pe7OuqxGi9M Amex Blue Cash Preferred vs. Everyday Effective Cash Back on Groceries: https://youtu.be/3ezD_QwS5e0 Double Dip Groceries Cash Back with Safeway Just for U: https://youtu.be/7kBl0W_L29U Milk the Barclays Cashforward Card for the MOST Cash Back: https://youtu.be/qf2gvrk6Evo This Channel: BeatTheBush I've obtained a high credit score of 848 out of 850 and I am glad to share the knowledge for everyone. Since 3 years ago, I've started making numerous videos that helped people increase their credit score that are free and accessible to all. Please enjoy my channel. Other Channels: BeatTheBush DIY: https://www.youtube.com/BeatTheBushDIY
Views: 9795 BeatTheBush
Investopedia Video: What Is A Municipal Bond?
 
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Municipal bonds, often called munis, are considered a debt instrument because when the investor purchases one, he or she is essentially loaning funds to the authority that issued it. In exchange, the authority promises to pay interest, called the coupon rate, during the years prior to maturity, at which point it repays the bond's par value.
Views: 11118 Investopedia
YOUR 401(k) #13 - Treasury Bonds, TIPS, & Munis
 
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In this video, we cover fixed income/bond funds that invest in government bonds, like Treasuries. We talk about T-Bills, T-Notes, and T-Bonds, as well as Treasury Inflation-Protected Securities (aka TIPS) and Municipal Bonds (aka Munis). What are you waiting for? Click here for exclusive access: www.reisupllc.com/your401k Please subscribe if you find these videos helpful! © 2016 ReisUP LLC Website: http://www.reisupllc.com/your401k Instagram: http://instagram.com/reisupllc Facebook: https://www.facebook.com/reisupllc/ Disclaimer: The content presented here is for educational purposes only and should not be construed as financial advice or recommendations. The information presented is believed to be up-to-date and factual, but ReisUP LLC cannot guarantee its accuracy and it should not be considered a complete analysis of the topics discussed. All expressions of opinion reflect the judgment of the author as of the publication date and are subject to change. The information contained herein does not contain personalized investment advice, nor should it be construed as legal or tax advice. A professional financial advisor, attorney, and/or tax professional should be consulted regarding your specific financial, legal, and/or tax situation. The information presented here is also not an offer to buy or sell securities, nor a solicitation of any offer to buy or sell the securities mentioned herein.
Views: 1181 ReisUP
Seeking Higher Yields in Tax-Exempt Bonds
 
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Investors have been buying tax-free municipal bonds at a record pace this year despite historically low yields. Jim Murphy, manager of the T. Rowe Price Tax-Free High Yield Fund, discusses his strategy for earning higher tax-exempt yields and the outlook for muni bond investing. Learn more at http://trowe.com/29BGS4a
Views: 1909 T. Rowe Price
Series 7 Exam Session 17 - Municipal Bonds
 
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Session 17 in our Series 7 exam videos. Provides an overview of Municipal Bonds covered in the exam. Get more answers at our forum for finance and accounting at passingscoreforum.com
Views: 31984 Passing Score
Taxable Corporate Bonds vs Municipal Bonds (Tax Exempt/Non-taxable) After Tax/Equivalent Formula
 
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In this tutorial/lesson I teach you how to compare taxable bonds such as corporate bonds with non-taxable or tax exempt bonds such as municipal bonds. Investors should always invest in the bond that provides the highest after tax return whether it is a corporate bond vs a municipal bond, corporate bond vs tax exempt bond, taxable bond vs tax free bond, taxable bond vs non taxable bond etc.. I show you how to do this by teaching you the after tax rate of return formula, the equivalent taxable return formula, and the cut-off tax bracket formula.
Views: 4265 Subjectmoney
Munis and You - Part 1: Overview of Municipal Bonds
 
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Municipal Bonds can be a valuable part of an investment portfolio. This is part 1 of an informational video series by Quartz Financial on Municipal Bonds and You. Quartz Financial is a client-focused comprehensive wealth management firm specializing in Sudden Wealth. Backed by global resources, we work with you to create an integrated wealth plan, delivering independent financial advice, planning and implementation to protect, preserve and grow your wealth. Our clients are diverse—from the sudden wealth recipient unsure where to start, to the newly retired couple anxious to start their next stage life, to the wealthy family looking for family office services. Even so, one trait that is common among our clientele is their desire to develop a long-term partnership that will help them discover and pursue their financial and life goals. Our Clients Include: Sudden Wealth Recipients, Business Owners, Entrepreneurs, Retirees, Medical & Legal Professionals, and Corporate Executives --------------- Quartz Financial is a privately owned firm. Securities and Advisory services offered through LPL Financial. A registered investment advisor. Member SIPC (sipc.org). | For a list of states in which the representatives associated with this site are registered to do business, please visit www.quartzfinancial.com. | Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness.
Views: 84 Quartz Financial
Municipal Bonds: Here's What You Should Know
 
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Around 60 municipal corporations are set to issue bonds for smart cities soon. Municipal bonds, also known as munis, are fixed income instruments, i.e., debt securities issued by government or semi-government institutions who need funding for civic projects.
The Basics Of Municipal Bonds
 
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www.mclaughlininvestmentconsultant.com
2018 Outlook: Municipal Bonds
 
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Recorded 11/29/2017
Views: 507 Eaton Vance
3 Muni Bond Funds to Ease Interest-Rate Jitters
 
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With interest rates rising, many muni bond investors are getting nervous. We talked to our analysts to share three of their favorite muni bond funds they think will help ease some of these jitters. For all Morningstar videos: http://www.morningstar.com/cover/videocenter.aspx
Views: 691 Morningstar, Inc.
Series 7 Exam Prep Tutorial - Municipal Bonds
 
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Municipal Bonds tutorial from Series 7 Exam Prep: https://www.firesolutions.com/securities-exam
Views: 8603 FIREexamprep
Municipal bonds
 
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Municipal bonds Municipal bonds are good for high income people Although investing in foreign bonds isn't a great idea for anyone, investing in municipal bonds may be a good idea for some people. If you have a fairly high income, you should take a look into investing into municipal bonds. Almost all municipal bonds are exempt from federal income tax, and most municipal bonds issued in your state also are exempt from state income taxes. However, only the interest income is exempt from taxation. If you sell a municipal bond, or bond fund, at a gain, you'll have to pay capital gains taxes. If you're in the 28 percent marginal tax bracket, municipal bonds are probably worth a look. If you're in the 31 percent marginal tax bracket, municipal bonds are certainly worth investigating. However, since municipal bonds are exempt from federal income tax, these bonds will offer a yield that is lower than the more creditworthy US Treasury bonds. To determine if investing in municipal bonds is right for you, you need to compare the after-tax yields of munis with taxable bonds of comparable credit quality. How to tell if you should invest in municipal bonds Suppose blue chip corporate bonds are yielding 10 percent, and municipal bonds yield only 8 percent. If you're in the 15 percent marginal tax bracket, the corporate bonds will provide a higher after-tax yield. However, if you're in the 28 percent or higher bracket, the municipal bonds provide a higher after-tax return. And remember that municipal bond funds come in all different maturities including money market funds. Never put municipal bonds in a retirement account Notice that you should never invest in municipal bonds inside of a retirement account. Retirement accounts already provide tax sheltering, so go for the higher yield provided by something like a corporate bond instead of the lower municipal yield. Also, if you're investing in municipal bonds, keep an eye on tax reform legislation. Tax reform packages offered by both Republicans and Democrats would end the tax exempt status for municipal bonds. If these tax reform packages became law, municipal bond prices will drop. Don't invest in most double exempt muni bond funds Finally, should you invest in a so-called double-exempt municipal bond fund? The answer is usually no. These funds invest in municipal bonds issued by a single state. For example, California investors might want to invest in a California double-exempt fund that invests only in California municipal bonds. This way, the interest income earned by the California investor is exempt from federal income tax and California state income tax. This makes the after-tax yield even better for a California investor. Almost every state has double-exempt bond funds. Even states that have no state income tax for some reason have double-exempt bond funds. However, most of these funds should be avoided. The problem with most of these funds is that their fees are too high. A typical double-exempt bond fund charges a sales load of 5 percent and has an expense ratio of well over 1 percent. However, if you live in a big state with high tax rates like California or New York, you probably can find a bond fund that is both double-exempt for your state and has low costs. The Vanguard mutual fund family is usually the place to look for these kind of funds. Insured municipal bonds There are several levels of credit risk in municipal bonds. Conservative investors can invest in insured municipals where an insurance company will assume the local government's obligations if the local government goes bankrupt. This insurance comes at a price, generally in the form of reduced yield. General obligation bonds Uninsured general obligation municipal bonds aren't as safe as insured municipals, but they are generally good credit risks. General obligation bonds are backed by the local government's full taxing authority. With GO bonds, the local government has the obligation to raise taxes to meet the debt payments. Revenue bonds Revenue bonds are another form of municipal bond. In this case the municipality doesn't guarantee that the local government will be liable for the debt. Revenue bonds typically are issued to pay for new sewers, stadiums or airports. The water department or stadium collects usage fees, and these fees are used to pay off the debt. If the usage fees aren't sufficient to pay off the debt's obligations, the government isn't on the hook to make up the difference. Revenue bonds for essential services like sewage are probably safer investments than bonds used to finance things like stadiums or convention centers. Copyright 1997 by David Luhman
Views: 1475 MoneyHop.com
What are Municipal Bonds?
 
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Welcome to the Investors Trading Academy talking glossary of financial terms and events. Our word of the day is “Municipal Bonds” Municipal bonds are issued by a government, such as a state, county, district or municipality. Issuers often use the money to pay for public projects, like roads or construction projects, that would otherwise come directly out of taxpayers’ pockets. In most cases, the interest holders of municipal bonds receive is exempt from federal taxes, which is a huge appeal for investors. Maturities can range from the short term, usually one to three years, to a decade or longer. Municipal bonds called munis are debt obligations issued by government entities. When you buy a municipal bond, you are loaning money to the issuer in exchange for a set number of interest payments over a predetermined period. At the end of that period, the bond reaches its maturity date, and the full amount of your original investment is returned to you. While municipal bonds are available in both taxable and tax-exempt formats, the tax-exempt bonds tend to get the most attention because the income they generate is for most investors exempt from federal and, in many cases, state and local income taxes. By Barry Norman, Investors Trading Academy
Understanding the Tax Benifits of Municipal Bonds
 
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Chapter 9 Fully Taxable Equivalent Yields
Views: 497 Michael Nugent
How tax reform may affect muni bonds
 
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How will tax reform affect muni bonds? Senior Portfolio Manager RJ Gallo provides his take on tax reform and key issues for muni bonds in 2018. Views as of 12-13-2017. For disclosure, visit http://bit.ly/FederatedYouTube. For more information, visit http://www.federatedinvestors.com.
Views: 3700 FederatedInvestors
What 4.1% U.S. Economic Growth Means to Muni Bonds
 
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Aug.01 -- Jeffrey Lipton, head of muni research and strategy at Oppenheimer, discusses the impact of 4.1 percent U.S. economic growth on state credit and municipal bonds. He speaks with Bloomberg's Taylor Riggs in this week's "Muni Moment" on "Bloomberg Markets."
Why Traditional Bonds Are High Risk, but Munis Have Advantages. Two Top Bond Managers Explain
 
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Two influential bond managers explain why municipal bonds still make sense and so many corporate and Treasury bonds don’t. WEALTHTRACK # 1433 broadcast on February 2, 2018.
Views: 6674 WealthTrack
Two Key Advantages to Active Management in Munis
 
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Active muni portfolios are often more cost-effective and carry less risk than passive strategies seeking to replicate a municipal bond index. For additional municipal bond market insights, resources and strategies, please visit: https://pimco.com/munis Follow us for insights on economies, markets and investing: Twitter: https://twitter.com/pimco LinkedIn: http://www.linkedin.com/company/pimco Facebook: http://www.facebook.com/pimco Blog: http://blog.pimco.com Terms and conditions: pimco.com/socialmedia
Views: 538 PIMCO
Munis and You - Part 2: Municipal Bond Terms
 
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Municipal Bonds can be a valuable part of an investment portfolio. This is part 2 of an informational video series by Quartz Financial on Municipal Bonds and You. Quartz Financial is a client-focused comprehensive wealth management firm specializing in Sudden Wealth. Backed by global resources, we work with you to create an integrated wealth plan, delivering independent financial advice, planning and implementation to protect, preserve and grow your wealth. Our clients are diverse—from the sudden wealth recipient unsure where to start, to the newly retired couple anxious to start their next stage life, to the wealthy family looking for family office services. Even so, one trait that is common among our clientele is their desire to develop a long-term partnership that will help them discover and pursue their financial and life goals. Our Clients Include: Sudden Wealth Recipients, Business Owners, Entrepreneurs, Retirees, Medical & Legal Professionals, and Corporate Executives --------------- Quartz Financial is a privately owned firm. Securities and Advisory services offered through LPL Financial. A registered investment advisor. Member SIPC (sipc.org). | For a list of states in which the representatives associated with this site are registered to do business, please visit www.quartzfinancial.com. | Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness.
Views: 67 Quartz Financial
Should I Invest in Municipal Bonds?
 
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Brian Sauter, CFP® discusses municipal bonds and whether this type of investment can make sense for you. http://purefinancial.com IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, Inc. A Registered Investment Advisor. • Pure Financial Advisors Inc. does not offer tax or legal advice. Consult with their tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors.
Suze Orman on the Benefits of Municipal Bonds
 
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When it comes to advice on where senior citizens should invest their money, personal finance expert Suze Orman thinks municipal bonds are a great option. Part of the series Mondays With Marlo on Marlothomas.com. New videos every afternoon at 3pm Monday-Friday! Subscribe To Marlo Today: http://goo.gl/gCSw3  Margaret Julia "Marlo" Thomas is an American actress, producer, author and social advocate for women. She also serves as National Outreach Director for St. Jude Children's Research Hospital which was founded by her father, Danny Thomas. Marlo Thomas video property is a part of the AOL On Network.  Get more Marlo Thomas Read: http://www.huffingtonpost.com/marlothomas/ Like: http://www.facebook.com/MarloThomas Follow: https://twitter.com/marlothomas
Views: 3662 marlothomas
Consider These Municipal Bond ETFs
 
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https://goo.gl/QPCkqk - Start earning with binary options like millions of traders do Municipal bonds can make a positive contribution to an investor's portfolio, by offering tax-free returns in some cases, and a steady stream of income over time. Cities, counties and states issue municipal bonds in order to fund the development of projects including hospitals, airports and school systems. Let's take a glance at a couple of issues investors should consider before determining if a municipal bond ETF makes sense for their investment portfolios.StrengthsThe underlying assets of a municipal bond ETFs like the iShares S&P National Municipal Bond ETF (ARCA:MUB) displays the diversity of holdings across state as well as across project development initiatives available to investors. The MUB fund's top holdings include general obligation bonds from states including California, Texas and Oregon. General obligation bonds are considered the safest among the variety of municipal bond offerings, since they are secured by the taxing powers of the issuing authority. The security of municipal bonds and their ability to offer a steady stream of income have made them a popular option for investors. The MUB fund has current yield of 3.20% and returned +6.43% in the last year (excluding distributions). Behind US Treasuries, municipals are considered by many to be the next safest category of investment. SEE: The Basics Of Municipal Bonds RisksTough economic times and lower tax revenues could lead to states having difficulty repaying those invested in municipal bonds. The risk is less pronounced for general obligation bonds, but they are amplified for municipal bonds tied to private institutions like hospitals, due to the risk of bankruptcy. The threat of future inflation, resulting in higher interest rates, could also mean lower returns for municipal bonds with longer times frames until maturity. In this case, municipal bond ETFs with a shorter average maturity, in the neighborhood of three years, like the SPDRS Barclays Capital Short Term Municipal Bond ETF (ARCA:SHM) and the S&P Short Term National Municipal Bond ETF (ARCA:SUB), would stand to perform better than funds with longer maturities, like the SPDR Barclays Capital Municipal Bond ETF (ARCA:TFI) with its average maturity of almost 14 years. SHM, SUB and TFI all returned +0.78%, +0.74% and +6.34% in the last year, respectively. SEE: 20 Tools For Building Up Your Portfolio State OptionsMunicipal Bond Fund ETFs are also available for individual states like California and New York. Two of the biggest funds in terms of total assets investors can investigate are the iShares S&P California Municipal Bond ETF (ARCA:CMF) and the iShares S&P New York Municipal Bond ETF (ARCA:NYF). Asset size is another consideration, since the smaller a fund is, the greater the possibility of the fund being closed down. CMF and NYF returned +8.19% and +6.60% respectively in the last year. SEE: Municipal Bond Tips For The Series 7 Exam Final ThoughtsThere has been some speculation concerning w
Views: 64 ETFs
The opportunity in municipal bonds
 
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Senior Portfolio Manager R.J. Gallo explains why municipal bonds have largely outperformed their taxable investment-grade counterparts in 2018. He also discusses potential impacts on munis from tax reform, rising Treasury yields and budget challenges in certain states. Views as of 06-21-2018. For disclosure, visit http://bit:ly/FederatedYouTube. For more information, visit http://www.federatedinvestors.com.
Views: 3956 FederatedInvestors
Municipal Bonds: The Best Income Investment of 2014?
 
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The bond market has been a scary place to invest lately, with soaring rates causing losses in 2013. But in 2014, municipal bonds are starting to look appealing, especially to investors who can benefit from their unique tax advantages. In the following video, Dan Caplinger, The Motley Fool's director of investment planning, discusses municipal bonds. He notes that muni bonds are in the unusual situation of yielding more than comparable Treasuries, even though Treasury bonds are taxable while munis are free of federal income tax. Despite the perceived risk from high-profile bankruptcies like Detroit, many muni bonds are backed by insurance companies, with Assured Guaranty (NYSE: AGO) and Berkshire Hathaway (NYSE: BRK-A) (NYSE: BRK-B) among companies insuring munis right now. Dan concludes by looking at some ways to get exposure to munis, including the iShares AMT-Free National Muni ETF (NYSEMKT: MUB) and similar state-specific investments. Investing made simple: The Motley Fool's essential guide to investing is now available to the public, free of cost, at http://bit.ly/1atRpHZ. This resource was designed to cover everything that new investors need to know to get started today. For your free copy, just click the link above. Visit us on the web at http://www.fool.com, home to the world's greatest investing community! ------------------------------------------------------------------------ Subscribe to The Motley Fool's YouTube Channel: http://www.youtube.com/TheMotleyFool Or, follow our Google+ page: https://plus.google.com/+MotleyFool/posts Inside The Motley Fool: Check out our Culture Blog! http://culture.fool.com Join our Facebook community: https://www.facebook.com/themotleyfool Follow The Motley Fool on Twitter: https://twitter.com/themotleyfool
Views: 2787 The Motley Fool
Amodeo & Dimella: Investing In Muni Bonds
 
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The rising appeal of muni bonds. Despite some negative headlines, top fund managers Robert Amodeo of Western Asset Management and Robert DiMella of MacKay Municipal Managers say there are opportunities to be had in munis. WEALTHTRACK #1034 originally broadcast February 14, 2014
Views: 3007 WealthTrack
Suzi Orman - Municipal Bonds
 
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Views: 1092 muttts2
Muni Bond Outlook: A Strong Core in 2018?
 
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How is a shifting tax plan impacting advisors’ appetite for munis? BlackRock’s Karen Schenone joins S&P DJI’s Shaun Wurzbach and J.R. Rieger to discuss the forces influencing the muni market.
What is a Municipal Bond? How Do Municipal Bonds Work?
 
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What is a Municipal Bond? How Do Municipal Bonds Work? - Please take a moment to Like, Subscribe, and Comment on this video! View Our Channel To See More Helpful Finance Videos - https://www.youtube.com/user/FinanceWisdomForYou mutual funds savings bonds oppenheimer funds bonds municipal bonds mutual fund cusip what is equity treasury bonds cusip lookup best mutual funds i bonds fidelity funds bearer bonds what are bonds junk bonds what are mutual funds saving bonds bond market bond buyer government bonds corporate bonds convertible bonds types of bonds bond yield zero coupon bonds israel bonds stocks and bonds munis fixed income securities bond ratings high yield bonds tax free municipal bonds puerto rico municipal bonds bond funds bond rates muni bonds municipal bond investing in bonds treasury bond rates treasury bond bond prices bond yields municipal bond rates treasury bill rates best bond funds buying bonds how to buy bonds tax free bonds the bond buyer corporate bond callable bond junk bond general obligation bonds buy bonds build america bonds corporate bond rates tax free investments bond interest rates fixed income investments bond market news treasury bonds rates revenue bonds fidelity bonds bond index i bonds rates municipal bond funds investment grade bonds high yield bond funds bonds and interest rates bond investing bond fund tax exempt bonds income funds what are municipal bonds short term bonds how to invest in bonds municipal bonds rates fidelity bond funds municipal bonds definition corporate bond yields fixed income funds bond mutual funds local taxes municipal securities mutual funds savings bonds oppenheimer funds bonds municipal bonds mutual fund cusip what is equity treasury bonds cusip lookup best mutual funds i bonds fidelity funds bearer bonds what are bonds junk bonds what are mutual funds saving bonds bond market bond buyer government bonds corporate bonds convertible bonds types of bonds bond yield zero coupon bonds israel bonds stocks and bonds munis fixed income securities bond ratings high yield bonds tax free municipal bonds puerto rico municipal bonds bond funds bond rates muni bonds municipal bond investing in bonds treasury bond rates treasury bond bond prices bond yields municipal bond rates treasury bill rates best bond funds buying bonds how to buy bonds tax free bonds the bond buyer corporate bond callable bond junk bond general obligation bonds buy bonds build america bonds corporate bond rates tax free investments bond interest rates fixed income investments bond market news treasury bonds rates revenue bonds fidelity bonds bond index i bonds rates municipal bond funds investment grade bonds high yield bond funds bonds and interest rates bond investing bond fund tax exempt bonds income funds what are municipal bonds short term bonds how to invest in bonds municipal bonds rates fidelity bond funds municipal bonds definition corporate bond yields fixed income funds bond mutual funds local taxes municipal securities What is a Municipal Bond? How Do Municipal Bonds Work? The short answer is probably not. Certificates of deposit (CDs) are safer and have a major yield advantage, even after factoring in the tax benefits of municipal bonds. There are two main reasons that investors like to buy municipal bonds: The income they produce is generally not taxable, and they are perceived to be super-safe investments. Let’s explore these reasons more closely to see if they are valid. When rates are low, the tax advantage is not very large. Nobody likes the idea of having to pay taxes, and most municipal bonds provide a way to receive income free from federal, state and local taxes What is a Municipal Bond? How Do Municipal Bonds Work? A debt security issued by a state, municipality or county to finance its capital expenditures. Municipal bonds are exempt from federal taxes and from most state and local taxes, especially if you live in the state in which the bond is issued. Finance Wisdom For You Finance Wisdom For You What is a Municipal Bond? How Do Municipal Bonds Work?
Municipal Bonds Score Big: Are Munis the Remedy for a Volatile Stock Market?
 
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http://www.elliottwave.com/r.asp?rcn=ytvideos1403&url=http://www.elliottwave.com/free_newsletters/free_newsletters-ind.aspx So far in 2014, municipal bond investors have enjoyed relative safety along with superior returns. Munis have even outperformed the Dow Industrials. But are safety-minded investors in for an unpleasant surprise?
Municipal Bonds Get a Boost in Midterm Elections
 
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Nov.07 -- James Iselin, managing director and head of municipal fixed income at Neuberger Berman, discusses how municipal bond initiatives fared in the midterm elections and what changes in state governments may mean for the market. He speaks with Bloomberg’s Taylor Riggs in this week’s "Muni Moment" on "Bloomberg Markets."
Don't Overreact! Muni Bonds Will Hold Onto Their Gains
 
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The Barclay's Municipal Bonds Index is up around 4% year-to-date, yet it has been drifting lower as bonds have sold off in the past month sending yields higher. John Dillon, managing director at Morgan Stanley Wealth Management , said investors need not panic because munis will hold onto their gains. "Although the bond market will ebb and flow with every non-farm payrolls report and Fedspeak, the Morgan Stanley year-end forecast for the 10-year U.S. Treasury note is just 1.25%, almost 50 basis points lower than today," said Dillon. "And our U.S. GDP forecasts are below consensus too, so even if we don't get down to that 1.25% level, it seems unlikely that we will move materially higher in yield from current levels." In the interim, Dillon said he views the weakness as a buying opportunity. Based on the historic seasonality of the muni market and according to ICE Data Services, Dillon expects the amount of bond redemptions to decline significantly during September, October and November, which is actually expected to be the lowest month of this year. "When the uptick in supply is paired with weaker reinvestment demand, relative value should be unlocked, meaning cheaper munis and often a good entry point," said Dillon. A few months ago Puerto Rico's problems were on the tip of every muni investor's tongue, but lately it has been very quiet on the Puerto Rico front. Dillon said the PROMESA bill put before the President by Congress, which was passed and signed into law before one of the largest defaults, actually has had a "mildly positive impact on the overall market" even though the defaults continued. "Concerns over Puerto Rico did not have a systemic impact on the muni market despite the high profile coverage of the defaults," said Dillon. "I view that development very positively, as it shows that muni market is moving more toward an idiosyncratic, credit-based focus, where participants can ring-fence a problem issuer even a large one." As for the election's impact on the muni market, Dillon said he is Subscribe to TheStreetTV on YouTube: http://t.st/TheStreetTV For more content from TheStreet visit: http://thestreet.com Check out all our videos: http://youtube.com/user/TheStreetTV Follow TheStreet on Twitter: http://twitter.com/thestreet Like TheStreet on Facebook: http://facebook.com/TheStreet Follow TheStreet on LinkedIn: http://linkedin.com/company/theStreet Follow TheStreet on Google+: http://plus.google.com/+TheStreet
Municipal Bonds: Still "on Track for a Train Wreck"
 
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http://www.elliottwave.com/Investor-Research/Financial-Forecast-Service?tcn=ytv1703 The head of credit research for a municipal-bond management firm just commented: "We haven't seen this in a modern state before." He was talking about Illinois' deep fiscal trouble. Look at the eye-brow-raising credit spread.
Key issues for municipal bonds in 2017
 
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Senior Portfolio Manager R.J. Gallo discusses factors likely to affect municipal bond performance in 2017 and why sector allocation may be important. Views as of 2-9-2017. For disclosure, visit http://bit.ly/FederatedYouTube. For more information, visit http://www.federatedinvestors.com.
Views: 1144 FederatedInvestors
Muni Bonds in an IRA and Why Bond Funds Suck - 12.22.2010
 
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Munis in an IRA? ABSOLUTELY!!....and Why bond funds suck Want more? Visit us at http://www.valentineventures.com or subscribe to our YouTube channel
Managing Interest Rate Risk with Munis
 
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Index-based strategies for tracking short maturity municipal bond and maturity series municipal bonds are used by financial advisors as tools to manage and express their views on interest rate risk including muni bond laddering. BlackRock’s Director of Fixed Income Strategies sits down with S&P DJI’s J.R. Rieger and Shaun Wurzbach to discuss how muni strategies are being used to manage risk in today’s markets.
Munis in IRAs
 
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Investing in Municipal Bonds could be a good idea under certain circumstances. Listen on... For more videos follow this link: https://moneycoachfg.com/moneycoaching-minute/
Views: 15 MoneyCoach
Public Pensions and Municipal Bonds: Understanding the Risks
 
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Barron's recently called unfunded public pension liabilities "the ticking time bomb" in the municipal bond market. In a recent discussion at Asset TV, BAM pension actuary Les Richmond discussed the facts behind the headlines, and how BAM's analysts factor pension risks into their overall credit assessments. Please Note: These videos do not constitute individual investment recommendations or advice. Investors considering the merits of a particular debt issue should read the Official Statement prepared for it. If BAM insurance has been purchased for some but not all of bonds being offered for sale, the Official Statement will identify which bonds are insured. For more information, please view our Terms of Use at: http://buildamerica.com/terms-of-use
What Are Mutual Funds And Bonds?
 
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Municipal bonds (or “munis” for short) are debt securities issued by states, cities, counties and other governmental entities to fund day-to-day obligations and to finance capital projects such as building schools, highways or sewer systems. Mutual funds what are they? Investopedia. Municipal bond funds invest in debt securities issued by state and local governments are a fine choice for most investors, but individual bonds have one advantage can't match. Find mutual fund ratings and information on bond funds at thestreet our guide will lead you through the basics of investing in stocks, bonds, funds, exchange traded into more exotic realms options, futures 27 jul 2016 learn what are, advantages risks. What is a bond mutual fund? Money crashers. Because social security and pension plans investing in bond mutual funds usually entails less risk reward than stock. A right choice for you depends on your ability and interest in many investors, a bond fund is more efficient way of investing bonds than buying individual securities. Bond and mutual fund 17 jul 2013 funds represent another way to invest in stocks, bond, or cash alternatives. The four most common types of investment vehicles include discover the 20 best bond funds. Should i invest in bonds or a bond mutual fund? Stocks, bonds, & funds…What's the difference patch. Bond mutual funds are just like stock there many types of bond that investors can choose from. Bond and mutual fund how bond funds work investing basics the balancebond investopedia. What is a bond fund? Fidelity investments. As with stock mutual funds, bond funds allow you to 19 jun 2011 saving money in stocks, bonds, and is essential a successful retirement strategy. How to buy stocks, bonds, mutual funds, etfs, real estate and other bond funds charles schwabfinra. Stocks, bonds, funds what's the difference? Youtube. Similarly, bank accounts and money market read up on stocks, bonds mutual funds riskier investments that will help you adequately prepare for retirement vanguard bond give the income stability need from your investmentsfind out if tax exempt are right 10 apr 2014 'there is a huge difference between individual bonds,' 'when own funds, there never day think of investing as were building house, with each investment vehicle type tool. Understanding the difference in stocks, bonds, mutual funds, and etfs. You can also research and invest in bond funds on schwab there are four types of mutual funds, closed end unit investment trusts (uits) exchange traded (etfs)Bond fund how work investing basics the balancebond investopedia. The exact type of debt the fund invests in will depend on its focus, but investments may include a mutual is at core managed portfolio stocks and or bonds. You can think of a mutual fund as company that brings together large group people in some cases, it makes the most sense to combine individual bonds with bond funds. You can think of a mutual fund like basket stocks or 26 jul 2017 understa
Interest Rates and Municipal Bonds
 
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As adoption of index-based municipal bonds as a core holding continues to grow, interest rate risk remains a key concern among advisors. John Mauldin, President of Millennium Wave Advisors, and Brian Lockhart, CIO of Peak Capital Management, sit down with S&P DJI’s Shaun Wurzbach to discuss how interest rates are impacting strategies in the USD 12 billion index-based muni market.
Overseas Investors Boosting Municipal Bond Market
 
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Municipal bonds have regained their safe haven status as volatility returns to the stock and bond markets. They have also been getting a boost from yield-starved, go-anywhere overseas investors, said Robert Amodeo, portfolio manager for Western Asset Management. "Overseas investors are looking for yield in liquid, stable markets and muni investors should take that as a vote of confidence," said Amodeo. Amodeo oversees the Western Asset Managed Municipals Fund which is up 4.1% thus far in 2016, according to Morningstar. The $5.2 billion fund has returned an average of 6.8% annually over the past three years, putting it the 47th percentile in Morningstar's national municipal bond category. The trailing 12 month yield on the fund is 3.7%, according to Morningstar. The Barclays Municipal Index reported returns of 4.5% year-to-date for the market. This represents about 14 consecutive months of positive total returns for municipal bond investors. Year-to-date issuance, at the end of August, was roughly $267 billion, which is the same versus the same period during 2015. New financing is up 11% to date while refunding is down 3%, according to Amodeo. On the demand side, Municipal bond open end mutual funds have posted very strong inflows so far this year. Year-to-date inflows now stand at $45 billion, marking 49 straight weeks of inflows. This is not unexpected given relatively low interest rate volatility, and the steady returns for municipal bonds. And as for the tax reform rhetoric coming from the campaign trail? "Tax reform is a key issue but we are going to dismiss the rhetoric and wait for details to surface after the election is over," said Amodeo. Amodeo is also not overly concerned about high profile credit problems like Puerto Rico becoming a catalyst for broader contagion. "Their challenges are not new information and mostly priced into the respective securities," said Amodeo. "All these stories are consistent with our expectation that general obligation bond ratings are likely to remain under pressure and underperform revenue bonds." Subscribe to TheStreetTV on YouTube: http://t.st/TheStreetTV For more content from TheStreet visit: http://thestreet.com Check out all our videos: http://youtube.com/user/TheStreetTV Follow TheStreet on Twitter: http://twitter.com/thestreet Like TheStreet on Facebook: http://facebook.com/TheStreet Follow TheStreet on LinkedIn: http://linkedin.com/company/theStreet Follow TheStreet on Google+: http://plus.google.com/+TheStreet
Money Matters: Municipal bonds
 
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Municipal bonds, also known as munis, are fixed-income investments that can provide higher after-tax returns than similar taxable corporate or government issues.
Views: 194 WMUR-TV
Municipal Bonds: Active Management, Tax Reform & More
 
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Purva Patel, CIMA®, Senior Vice President, Client Portfolio Manager - Nuveen, discusses where munis are in the modern-day market.
Should you invest in muni bonds?
 
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Turmoil and losses in the municipal bond market has some investors wondering if they should consider dumping their holdings.
Views: 236 CNN Business
Munis and You - Part 3: Premium Bonds vs. Par Bonds
 
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Municipal Bonds can be a valuable part of an investment portfolio. This is part 3 of an informational video series by Quartz Financial on Municipal Bonds and You. Quartz Financial is a client-focused comprehensive wealth management firm specializing in Sudden Wealth. Backed by global resources, we work with you to create an integrated wealth plan, delivering independent financial advice, planning and implementation to protect, preserve and grow your wealth. Our clients are diverse—from the sudden wealth recipient unsure where to start, to the newly retired couple anxious to start their next stage life, to the wealthy family looking for family office services. Even so, one trait that is common among our clientele is their desire to develop a long-term partnership that will help them discover and pursue their financial and life goals. Our Clients Include: Sudden Wealth Recipients, Business Owners, Entrepreneurs, Retirees, Medical & Legal Professionals, and Corporate Executives --------------- Quartz Financial is a privately owned firm. Securities and Advisory services offered through LPL Financial. A registered investment advisor. Member SIPC (sipc.org). | For a list of states in which the representatives associated with this site are registered to do business, please visit www.quartzfinancial.com. | Third party posts found on this profile do not reflect the views of LPL Financial and have not been reviewed by LPL Financial as to accuracy or completeness.
Views: 57 Quartz Financial

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