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  • The most common bonds are loans to governments or corporations.  Bonds provide a fixed income in a form of interest paid semi-annually or annually.
  • Capital on bonds are not repaid until maturity.
  • Since bonds pay a fixed interest from issue, the risk is that bonds do not keep up with current interest rates.
  • When bonds are purchased the bond value will fluctuate.  If you need access to the funds prior to maturity you could risk a capital gain or loss.
  • There is no capital guarantee and the issuer of the bond could default.
  • Bonds in a different currency will encounter risk due to currency rate fluctuations.
  • Term of bonds vary and can range from a few months to greater than 20 years.  You can select a bond that’s in line with your investment time.
  • There are no explicit charges on bonds but there are commissions to be paid on purchase and sale.
  • Income paid by bonds is liable to income tax, USC and PRSI but is not liable for DIRT at source.   In some instances bonds can also have a capital gain which would be subject to Capital Gains Tax.
  • Bonds are for investors seeking a fixed income for long periods of time.
  • Bonds can also be a part of a portfolio to reduce risks from stock or market risk.


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