Sentences with phrase «bonds than my mortgage»

I have more in I savings bonds than my mortgage.

Not exact matches

Last week, for example, TD Bank sold US$ 3 - billion worth of bonds covered by residential mortgages yielding 1.571 %, or quite a bit lower than 2.99 %.

Another point, perhaps, is that it's no worse for the Treasury to print a trillion - dollar gold coin than it is for the Federal Reserve to buy trillions in mortgage securities to save banks and the bond market.

The fund may invest in asset - backed («ABS») and mortgage - backed securities («MBS») which are subject to credit, prepayment and extension risk, and react differently to changes in interest rates than other bonds.

Bank of America has discussed paying about $ 12 billion, including more than $ 5 billion to help struggling homeowners, to resolve a range of federal and state probes, primarily into whether the company and its units defrauded mortgage bond investors in the run - up to the financial crisis, people familiar with the matter said.

Mortgages have historically been less volatile and generated more income than similar duration Treasury bonds.

In general, it is a better measure than average maturity for bonds that have the ability to prepay principal before they reach maturity (e.g., mortgages, mortgage - backed securities and asset - backed securities).

5 year and 10 year government bond yields are lower than my mortgage rate.

Is there any reason why someone with an outstanding mortgage should buy bonds rather than service their own more expensive debt?

Currently, the U.S. Treasury Department is taking far more of it than it should, and mortgage bonds are being propped up artificially with another $ 1 trillion of government guaranteed paper being issued in 2009.

If the banks can borrow at less than 1 % in the short - term inter-bank market, and get nearly 4 % on Treasuries, or 5 % on government - guaranteed mortgage bonds, why should they ever bother doing anything else?

The unit, the chief investment office (CIO), has been the biggest buyer of European mortgage - backed bonds and other complex debt securities such as collateralized loan obligations in all markets for more than three years... The unit made a deliberate move out of safer assets such as US Treasuries in 2009 in an effort to increase returns and diversify investments.»

I'd be much more interested in how large JPM's mark - to - market losses are on the European mortgage - backed bonds than how much loss they've sustained on the hedge.

Every day more than an entire year's GDP passes through the New York Clearing House and the Chicago Mercantile Exchange for bank loans, stocks and bonds, packaged mortgages, derivatives and other financial assets and bets.

Meanwhile, Bear Sterns, the second - biggest underwriter of mortgage bonds, lost more than $ 1.3 billion in market value yesterday as investors worried about the firm's liquidity.

The fund may invest in asset - backed («ABS») and mortgage - backed securities («MBS») which are subject to credit, prepayment and extension risk, and react differently to changes in interest rates than other bonds.

In fact, our chief economist, Jonathan Smoke, has observed that mortgage rates have more to do with trends in long - term bonds than with the federal funds rate.

Mortgage rates are always higher than the rates on GICs and government bonds of the same term because working that spread is part of how banks make money.

For example, the rule generally will not apply if an individual, while holding tax - exempt bonds, takes out a mortgage to purchase a residence rather than selling the bonds to finance the purchase.

A portfolio 10 % invested in mortgage REITs and 90 % stocks would provide more income than a portfolio 100 % invested in corporate bonds.

Rather than using Capital Appreciation Bonds, maybe a mortgage - style note could have done it, even over 40 years, and at a much cheaper rate.

As large owners of land, power plants, power lines and equipment, many utility companies issue first mortgage bonds for securing loans at a lower cost than unsecured bonds.

Mortgage bond yields tend to be lower than corporate bond yields, as the securitization of mortgages makes such bonds safer investments.

However, because of this inherent safety, the average mortgage bond tends to yield a lower rate of return than traditional corporate bonds that are backed only by the corporation's promise and ability to pay.

My point was that covered bonds remained among the most liquid markets around at the time (still not very liquid), and far more liquid than European mortgage backed securities.

Mortgage - backed securities («MBS») and commercial mortgage - backed securities («CMBS») are subject to prepayment and extension risk and therefore react differently to changes in interest rates than otheMortgage - backed securities («MBS») and commercial mortgage - backed securities («CMBS») are subject to prepayment and extension risk and therefore react differently to changes in interest rates than othemortgage - backed securities («CMBS») are subject to prepayment and extension risk and therefore react differently to changes in interest rates than other bonds.

Weaker - than - expected economic data, because a weak economy increases demand for mortgage bonds

If we get a strong headline reading and better than expected growth in wages, we will likely see investors move more into stocks and out of bonds, pushing up the Treasury yields and mortgage rates.

Given the level of bond prices on Friday, rate sheets might have been a little bit worse than the circumstances warranted, which left mortgage firms with some leeway when bond prices started dropping on Monday.

E.g. a mortgage is less risky to own than a bond.

Option free bonds have positive convexity; bonds with embedded options, such as callable bonds and mortgage - backed securities, have negative convexity, meaning the graph of the relationship between their price and yield is convex rather than concave.

Mortgage - backed investments, unlike traditional debt investments, are also subject to prepayment risk, which means that they may increase in value less than other bonds when interest rates decline and decline in value more than other bonds when interest rates rise.

Charaput et al found that 30 year mortgage rates are better at explaining changes in annuity prices than are risk - free Treasury bonds.

And third, mortgages are less liquid than public bonds, and require a longer - term commitment.

This index measures a wide spectrum of public, investment - grade, taxable, fixed income securities in the United States — including government, corporate, and international dollar - denominated bonds, as well as mortgage - backed and asset - backed securities, all with maturities of more than 1 year.

A mortgage bond is different than a mortgage, which is a legal document registered against a particular real estate asset.

The yields on mortgage - backed securities, therefore, need to be higher than intermediate - term Treasury bonds in order to make them desirable to investors, who are assuming a higher risk.

Bond funds that invest in U.S. Treasuries, corporate bonds, mortgage - backed securities, municipal bonds and other debt securities pay monthly dividends, usually at a higher rate of return than money market mutual funds.

Home sales nationwide fell to the lowest in more than five years in April, as bond yields and tougher mortgage qualification rules imposed in January helped cool the market.

This year investors who followed the MFIP were led to shorten maturities (therefore lowering their interest - rate risk) and also to use higher - yielding corporate bonds rather than Treasuries or mortgage - backed securities (thereby keeping lower duration and less interest - rate risk).

The major banks recently raised some of their fixed - rate mortgage rates to reflect their costs of borrowing on bond markets, which have more effect on longer - term mortgage rates than does the Bank of Canada's overnight rate.

Seeking opportunities through mortgage - backed securitiesBroad securitized opportunities: The fund invests in mortgage sectors, including agency MBS and CMOs, and non-agency RMBS and CMBS, and ABS.Higher potential returns: By investing in mortgage - backed bonds, the fund can offer the potential for higher returns than an investment strategy focused only on agency MBS.Leading research: The fund's portfolio managers use proprietary models to assist in the evaluation of mortgage - backed bonds and to manage the fund's interest - rate risk.

In the past few months, Ginnie Mae has homed in on lenders whose mortgage bonds have higher refinance rates than the rest of the market.

The Bloomberg Barclays U.S. Aggregate Bond Index is an unmanaged index representing more than 5,000 taxable government, investment - grade corporate and mortgage - backed securities.

Rates on traditional fixed - rate mortgages saw their largest one - week increase in more than 20 years this week, shooting back well above 6 percent on continued volatility in markets for investments such as Treasurys and bonds that finance mortgages.

Examples include bonds and GICs with maturities greater than one - year, strip bonds, mortgage - backed securities, private placements and other debt instruments, preferred shares (not including convertible securities) and income mutual funds.

So he just laid it out for his investors: the U.S. mortgage - bond market was huge, bigger than the market for U.S. Treasury notes and bonds.

For a corporate bond prospectus, this one is really long, ~ 320 pages, longer than some securitizations that I used to buy as a mortgage bond manager.

Homeowners trying to get a sense of how rates will impact their mortgage payments, Scott said, would be better served by keeping an eye on the strength of the U.S. economy and changes in bond markets — factors that tend to have a greater impact on interest rates take than any incremental change by one lender.

Heck the last 20 years of my mortgage I could easily make more than 3 % in a CD or bond.