PAST PERFORMANCE DOES NOT GUARANTEE FUTURE RESULTS. SUBSCRIBERS' ACTUAL RESULTS MAY VARY BASED ON WHEN SUBSCRIBERS BOUGHT AND SOLD BONDS WE RECOMMENDED BUYING AND SELLING.
(1)Assumes pro-rata subscription fee, from September 26, 2017 through September 30, 2019, for our current “Billed every two years” plan for individual investors, which costs $23 per month billed biennially and has been in effect since October 2018. Prior to introducing this subscription plan, we had more-expensive subscription plans, which would have increased the fee assumption in this table. From September 26, 2017 through March 2018, our monthly fee was $75 and, from April 2018 through September 2018, our implied monthly fee under our two-year subscription plan was $29.
(2)With respect to the amount invested, assumes subscriber invested in each BondSavvy recommendation made between the indicated period above. Assumes proceeds from the sales of bonds prior to May 31, 2019 were reinvested in purchases of other BondSavvy bond recommendations. Amount invested reflects the offer-side quoted price for the purchased bonds and assumes a 0.1-point markup from the quoted price. Please click here to see investment return details for each recommended corporate bond.
(3)Total investment returns include interest income and capital appreciation or losses for each fixed income investment. We calculate investment returns from the day prior to the recommendation date until (i) September 30, 2019 for bonds that have yet to be sold or (ii) until the sell date for bonds that have been sold. Please note that we recommended sells of two bonds on October 7, 2019, and the returns from these bonds - BNSF 3.90% 8/1/46 (CUSIP 12189LAZ4) and Bed Bath & Beyond 3.749% 8/1/24 (CUSIP 075896AA8) - reflect returns calculated through October 7, 2019. Please click here for details on which recommendations have been sold.
(4)Assumes annualized subscription fee of $276, equivalent to $23 per month based on our “Billed Biennially” subscription plan. Per footnote 1, prior to October 2018, BondSavvy had more-expensive subscription plans, which would have increased figures shown in this row of the table.
Making direct investments in bonds rather than through a bond mutual fund or bond ETF offers many advantages, such as higher potential investment returns, greater investment transparency, contractual interest payments, a maturity date, and the lowest investment fees. That said, there are thousands of individual corporate bonds from which to choose, and it can be difficult to decide which corporate bonds to buy.
BondSavvy narrows the universe of corporate bonds to a select number we recommend to our subscribers. We then monitor our recommended bonds and issuing companies and decide whether to recommend buying more bonds, holding recommended bonds, or selling previously recommended bonds. Our subscribers follow the below three steps when making direct investments in corporate bonds:
BondSavvy empowers you to invest in corporate bonds by presenting the best bonds to buy during The Bondcast, a subscriber-only investment webinar we host after companies report quarterly earnings.
You decide which of our recommended bonds to buy and make direct investments through your own online brokerage. Investing in bonds online is an efficient and competitive marketplace, where individual investors can invest at bond prices that are competitive with large bond funds.
Our goal is to maximize the total return on each corporate bond we recommend. Bond prices have ceilings and cannot increase in value to the extent stocks can. We therefore advocate selling bonds prior to maturity when we believe a recommended bond has maximized its investment return opportunity.
The only investment blog dedicated to investing in individual corporate bonds
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