Money For the Rest of Us

How To Lock In Higher Yields In Case Interest Rates Fall


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With cash yields expected to fall, here's how you can keep your portfolio income elevated by purchasing longer-term individual bonds and bullet ETFs

Topics covered include:

  • How future short-term interest rates, inflation expectations, and term premiums impact long-term interest rates
  • How each of those rate drivers contributed to the close to 1% drop in interest rates in the past three months
  • How yield to maturity is our guide to locking in a fixed return using individual bonds or bullet ETFs
  • How bullet ETFs work and what are some examples
  • What are callable bonds and how to analyze them
  • How to analyze municipal bonds
  • Why we might want to lock in higher yields today


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Show Notes

Term Premium on a 10 Year Zero Coupon Bond—FRED Economic Data

Investments Mentioned

Vanguard Total Bond Market ETF (BND)

Invesco BulletShares 2030 Corporate Bond ETF (BCSU)

iShares iBonds Dec 2026 Term Trust ETF (IBTG)

Invesco BulletShares 2031 High Yield Corporate Bond ETF (BSJV)

Related Episodes

455: Easier Investing, Richer Life: TIPS Ladders to Annuities

453: The Price of Money – 700 Years of Falling, Can Interest Rates Keep Rising?

452: Beyond Stocks: The Allure and Strategy of Credit Investments

448: Where Are Interest Rates Headed Next? Insights from the Jackson Hole Symposium

418: Bond Investing Masterclass



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Money For the Rest of UsBy J. David Stein

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