Amortized Bond

  

Categories: Bonds, Muni Bonds

The Simple: You buy a bond that comes due in 10 years. It has a coupon of 7%. But instead of paying par value of a grand, you've bought it at $800. So over the course of 10 years, you'll amortize the appreciation of that bond from 800 bucks to a grand at the pace of 20 bucks a year....assuming it's not distressed or in trouble in some other way.

And oh, by the way, you'll pay ordinary income tax each year on that 20 bucks of gain. Sorry. Bonds are a tough way to get wealthy. (Unless you're E.L. James, but that's a different type of bonds.)

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