The Bond Market:

Firstly to set the scene, when people refer to interest rates they are talking about the interest rate or yield that an investor gets when they buy a Government Bond. Government Bonds are issued at different maturities or “tenors” and these represent money that the Government is borrowing to fund itself and pay for various schemes and public works. Sometimes governments will issue bonds out to 30 yrs or 50 years and in some recent special cases to 100 yrs! So the buyer of that Bond is intending on holding it for 100 yrs if they hold…

The idea behind building a diversified portfolio of assets is a concept that is certainly not new but one that may not be well understood by many.

Contrary to popular belief, you don’t need a degree in Finance or Math to construct a robust and resilient all weather portfolio. Although some of the underlying principals are based on fairly complicated theories, it is not required to study them in detail in order to take advantage of them.

It all starts when you choose to invest your savings in the market. Once you have made that decision, then it’s all about…