Kötvényekkel

Kötvényekkel refers to bonds, which are debt securities. When an investor buys a bond, they are essentially lending money to the issuer, which can be a corporation or a government. In return for this loan, the issuer promises to pay the investor periodic interest payments (known as coupon payments) over a specified period and to repay the principal amount of the bond on a certain date (the maturity date).

Bonds are considered a less risky investment compared to stocks, as they represent a debt obligation with a fixed return. However, the value of bonds can fluctuate in the secondary market due to changes in interest rates, the issuer's creditworthiness, and other economic factors. If interest rates rise, the value of existing bonds with lower coupon rates typically falls, and vice versa.

There are various types of bonds, including government bonds (issued by national or local governments), corporate bonds (issued by companies), and municipal bonds (issued by states or municipalities). The risk associated with a bond is often reflected in its credit rating, which is assigned by rating agencies. Higher-rated bonds are generally considered safer but offer lower yields, while lower-rated bonds carry more risk but potentially offer higher returns. Investors use kötvényekkel as a way to diversify their portfolios, generate income, and preserve capital.