Why Bother With Bonds

Full Name
Why Bother With Bonds: A Guide To Build All-Weather Portfolio Including CDs, Bonds, and Bond Funds--Even During Low Interest Rates (How To Achieve Financial Independence)

A practical guide for beginner investors to build a winning and all-weather portfolio, Rick Van Ness’s Why Bother with Bonds is a time-proven wisdom, and encourages you to take control of your finances. Giving you knowledge on CDs, bonds, and bond funds to manage risks and rewards even during the lowest interest rates, this book will guide you in choosing stocks/bonds allocation, becoming immune to changing interest rates, using CDs and individual bonds, choosing good bond funds, and hedging against unexpected inflation.

"[As] stocks have surged and bond yields have dwindled, investors increasingly ask "Why bother with bonds?" Rick Van Ness takes this question and runs with it in his book sporting this provocative title."

—William J. Bernstein, Author, The Four Pillars of Investing

"In his simply stated and entertaining book, Rick Van Ness eloquently instructs the reader on how to do bonds right - in fact, better than any single book I've read."

—Allan S. Roth, Author, How a Second Grader Beats Wall Street

"If you are a DIY investor . . . you should read this book. It will steer you clear of areas you need to avoid and into where you should be. A quick read filled with valuable info!"

—Robert Wasilewski

"This book should be part of America's high school curriculum."

Andrew Hallam, Author, Millionaire Teacher




  • Who Should Read This Book?

  • Start with a Sound Financial Lifestyle

Why Bother with Bonds?

  • Stocks are risky in the short-run, and the long run too!

  • Bonds Make Risk More Palatable

  • Bonds Can Be A Safe Bet

  • Bonds Are An Attractive Investment Diversifier

Life Is Complicated. Bonds Are Not.

Bonds: Risks and Returns

  • Yield, Price And Making Comparisons

  • How To Reduce Risk From Interest Rates Changes

  • How To Reduce Risk From Unexpected Inflation

  • Credit Quality or Default Risk

Build the Bond Portion of Your Portfolio

  • Start with Your Goals

  • How Much Risk is Right For You?

  • The Importance of Low Cost

  • Taxes Matter

  • Example Portfolios (Both good and bad)

Common Misconceptions Important to Correct

  • Stocks Are Safer In The Long Run

  • Holding a Bond (or CD) to Maturity Eliminates Risk

  • Stocks Are Safer Than Bonds

  • The Best Funds Have The Most Stars

  • A One Percent Fee Is Small

  • Rising Interest Rates are Bad for Bond Holders

  • You Can’t Beat the Market Using Index Funds

  • Use Multiple Investment Companies To Diversify

  • You Need Many Mutual Funds to Diversify

  • Frugal Means Stingy