Hoarseness, an abnormal change in your voice, is a common condition thatâs often experienced in conjunction with a dry or scratchy throat. If your voice is hoarse, you may have a raspy, weak, or airy quality to your voice that prevents you from making smooth vocal sounds.
One way to minimize interest rate risk is to buy short-term bonds that take less time to mature. It's less painful to be stuck with a low-paying bond for five years than a low paying bond for 20 or 30 years. Another way to minimize risk is to hold the bond until maturity.
Short-term bond funds: 3.03%; Intermediate-term bond funds: 5.65%; Long-term bond funds: 8.53%; Why are the returns for long-term bonds so much stronger? Largely because these results reflected the tail end of a 31-year bull market in bonds. When rates are falling, longer-term bonds will produce higher total returns. Once rates began to rise, however, this relationship was turned on its head. For the full 2013 calendar year, the short-, intermediate, and long-term categories returned 0.45%, -1.45, and -5.33%, respectively.