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Hi all, I graduated 2 years ago, and I haven't started planning for my retirement yet (though I should start to do so soon, I know).
I'm from western Europe.
My company (BB rating according to Fitch in 2023) is offering all employees the opportunity to invest in a corporate bond with 5 year maturity, paying 6% yearly interest rate (gross).
The company is a pretty big firm in Europe, so the risk of default is low in my opinion (BB is junk rating, I know).
I know that there are many ways to invest for my retirement, like collective or individual schemes, pension funds, ETFs, insurance plans etc. But I don't know if 6% yearly return is better than what those can offer.
The maximum I could invest is about 5000€. I know many colleagues that decided to invest in this bond, so I'm thinking about it too.
Is this a good idea, or should I perhaps invest in something else for my retirement?
submitted by /u/Niumhaf
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I'm from western Europe.
My company (BB rating according to Fitch in 2023) is offering all employees the opportunity to invest in a corporate bond with 5 year maturity, paying 6% yearly interest rate (gross).
The company is a pretty big firm in Europe, so the risk of default is low in my opinion (BB is junk rating, I know).
I know that there are many ways to invest for my retirement, like collective or individual schemes, pension funds, ETFs, insurance plans etc. But I don't know if 6% yearly return is better than what those can offer.
The maximum I could invest is about 5000€. I know many colleagues that decided to invest in this bond, so I'm thinking about it too.
Is this a good idea, or should I perhaps invest in something else for my retirement?
submitted by /u/Niumhaf
[link] [comments]
Continue reading...
