Row 87321

Row ID: 87321 | Dataset Entry | Axioma AXP Content Repository

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This page contains data entry 87321 from the Axioma AXP content repository. The structured data below represents the complete record for this entry.

If you need this money for a down payment you will need it to be liquid and you need the investment to be safe. A year is not actually that long in long-term investment terms and if you have a fixed timeframe I actually think etfs would be the wrong choice here for once.

I would suggest you look into a few short term highly rated bonds. For AAA rated bonds the default rate is given by S&P as well as Moody's as [literally 0.0%](https://quantofstocks.wordpress.com/2024/04/29/bonds-default-risk-by-rating-and-how-to-size-your-investment/) however AA, A and BBB rated bonds are all under the 1% mark for a single year. Because the timeframe is so short treasury bills (or your country's equivalent) may also be a better option for you.

You should make sure that the bonds mature before you need your money back. The yield on a bond tells you how much money you will make on that bond per year. This is not to be confused with the coupon which is the annual payout divided by the bonds nominal value.

You should also compare these options to a savings account. No joke. You need this money at a fixed time in the relatively near future. This is almost perfect for a savings. They tend to have a pretty low yield though.

FieldValue
text If you need this money for a down payment you will need it to be liquid and you need the investment to be safe. A year is not actually that long in long-term investment terms and if you have a fixed timeframe I actually think etfs would be the wrong choice here for once. I would suggest you look into a few short term highly rated bonds. For AAA rated bonds the default rate is given by S&P as well as Moody's as [literally 0.0%](https://quantofstocks.wordpress.com/2024/04/29/bonds-default-risk-by…
label r/investing
dataType comment
communityName r/investing
datetime 2024-05-24
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Raw Record

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  "text": "If you need this money for a down payment you will need it to be liquid and you need the investment to be safe. A year is not actually that long in long-term investment terms and if you have a fixed timeframe I actually think etfs would be the wrong choice here for once.\n\nI would suggest you look into a few short term highly rated bonds. For AAA rated bonds the default rate is given by S&P as well as Moody's as [literally 0.0%](https://quantofstocks.wordpress.com/2024/04/29/bonds-default-risk-by-rating-and-how-to-size-your-investment/) however AA, A and BBB rated bonds are all under the 1% mark for a single year. Because the timeframe is so short treasury bills (or your country's equivalent) may also be a better option for you.\n\nYou should make sure that the bonds mature before you need your money back. The yield on a bond tells you how much money you will make on that bond per year. This is not to be confused with the coupon which is the annual payout divided by the bonds nominal value.\n\nYou should also compare these options to a savings account. No joke. You need this money at a fixed time in the relatively near future. This is almost perfect for a savings. They tend to have a pretty low yield though.",
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