Smart debt management through strategic bond allocation.
Dr. Sharma is burdened by $280,000 in student loan debt despite a high AGI of $350,000 and maxing out retirement accounts. She feels overwhelmed trying to aggressively pay down the loans while also growing her investments to secure her future, particularly concerned about the risk associated with equities given her debt.
We used Golden Door Asset's Bond Current Yield Calculator to evaluate different bond options for Anya. By comparing corporate bond yields (e.g., a hypothetical bond with a 5% coupon and a current market price of $950 yielding 5.26%) against the interest rate on her student loans (around 6.8%), she could clearly see which bonds offered a potentially higher return than simply accelerating loan repayment. This allowed her to strategically allocate a portion of her investment funds to bonds, balancing risk and reward, while using the Tax Equivalent Yield calculator to compare with municipal bonds.
The Bond Current Yield Calculator provided Dr. Sharma with a clear, instantaneous view of potential returns from various bond investments. Coupled with the Tax Equivalent Yield Calculator, she was able to compare bonds on an after-tax basis.
$15,000 increase in net worth over 3 years through optimized asset allocation.
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