räntebärande

Räntebärande refers to financial instruments or assets that generate interest income for the holder. This interest is essentially the cost of borrowing money for the issuer, and the return on investment for the lender. Common examples of räntebärande assets include bonds, savings accounts, certificates of deposit, and money market instruments.

When an individual or entity invests in räntebärande assets, they are lending money to the issuer in exchange for periodic interest payments and the return of the principal amount at maturity. The interest rate is typically determined by factors such as the creditworthiness of the issuer, the prevailing market interest rates, and the duration of the investment. Higher risk generally corresponds to higher interest rates.

Räntebärande investments are often considered less volatile than equity investments, making them a popular choice for investors seeking capital preservation or a steady stream of income. However, they are not without risk. Interest rate risk, for instance, can cause the value of existing räntebärande assets to fluctuate with changes in market interest rates. If rates rise, the value of existing bonds with lower interest rates may fall, as new bonds offer more attractive yields. Credit risk, the risk that the issuer may default on their obligations, is also a concern, particularly with lower-rated debt instruments.