Principal Learnings Yield to Maturity (YTM) helps investors calculate how much money they can earn by holding a bond until it matures. YTM considers bond price, coupon rate, and time to maturity. YTM is inversely related to bond prices: When interest rates rise, bond prices fall, and their YTM rises. Conversely, when interest rates fall,…
Life Insurance Companies: Experts in Asset Management and Diversification In today’s unpredictable financial environment, managing risk and securing long-term returns are critical goals for investors. Life insurance companies have mastered these challenges by leveraging their expertise and vast resources to create highly diversified investment portfolios. These portfolios not only help life insurers meet their long-term…
The Rise of Indexed Universal Life Insurance: Innovation and Flexibility Compared to Whole Life The life insurance industry is continually evolving, with new products and strategies being introduced to address changing consumer needs and financial markets. Among these innovations, Indexed Universal Life Insurance (IUL) has garnered significant attention due to its unique method of accumulating…
The Allure and Risks of Variable Universal Life Insurance: A Comprehensive Guide When it comes to life insurance, there are a number of options available for individuals looking to protect their loved ones and build financial security. Among the most popular choices are Whole Life Insurance (WL) and Indexed Universal Life Insurance (IUL), both of…
The Changing Landscape of Bonds: Are They Still a Safe Bet? Bonds are facing scrutiny in a way they’ve rarely experienced before, as the economic landscape shifts dramatically and a “new normal” emerges in the fixed-interest market. For anyone with even a passing familiarity with personal finance, bonds are often seen as a safe asset….
