{"id":12325,"date":"2026-02-27T12:03:16","date_gmt":"2026-02-27T12:03:16","guid":{"rendered":"https:\/\/goldenpi.com\/blog\/?p=12325"},"modified":"2026-02-27T12:03:16","modified_gmt":"2026-02-27T12:03:16","slug":"5-things-to-consider-when-holding-bonds-to-maturity","status":"publish","type":"post","link":"https:\/\/goldenpi.com\/blog\/bond-news\/5-things-to-consider-when-holding-bonds-to-maturity\/","title":{"rendered":"5 Things to Consider When Holding Bonds to Maturity"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Holding a bond till maturity means keeping the bond until its final repayment date. During this period:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You receive all scheduled interest payments<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">and<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">At maturity, the issuer repays the full face value.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The investment ends without needing to sell the bond in the market, and you realise 100% of your YTM (Yield to Maturity). <\/span><i><span style=\"font-weight: 400;\">However, this is not the case every time! <\/span><\/i><span style=\"font-weight: 400;\">This outcome depends on several factors, such as credit risk, inflation, <\/span><a href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/what-changed-in-the-bond-market-after-the-budget-2026\/\"><span style=\"font-weight: 400;\">tax impact<\/span><\/a><span style=\"font-weight: 400;\">, and opportunity cost.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Read this article to learn about five different aspects you may evaluate in 2026 before holding bonds till their maturity date.\u00a0<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_79_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/5-things-to-consider-when-holding-bonds-to-maturity\/#Want_to_Hold_a_Bond_Till_Maturity_5_Factors_You_Must_Consider_While_Investing_in_2026\" >Want to Hold a Bond Till Maturity? 5 Factors You Must Consider While Investing in 2026<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/5-things-to-consider-when-holding-bonds-to-maturity\/#1_Risk_of_Default\" >1. Risk of Default<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/5-things-to-consider-when-holding-bonds-to-maturity\/#2_Your_Return_May_Lose_Purchasing_Power\" >2. Your Return May Lose Purchasing Power<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/5-things-to-consider-when-holding-bonds-to-maturity\/#3_You_May_Incur_Opportunity_Cost\" >3. You May Incur Opportunity Cost<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/5-things-to-consider-when-holding-bonds-to-maturity\/#4_Consider_Your_Tax_Implications\" >4. Consider Your Tax Implications<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/5-things-to-consider-when-holding-bonds-to-maturity\/#5_You_May_Be_Exposed_to_Reinvestment_Risk\" >5. You May Be Exposed to Reinvestment Risk<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/5-things-to-consider-when-holding-bonds-to-maturity\/#To_Conclude_Investors_Must_Assess_Opportunity_Costs_Tax_Liabilities_Credit_Risk_and_Inflation_Rate\" >To Conclude, Investors Must Assess Opportunity Costs, Tax Liabilities, Credit Risk, and Inflation Rate<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/5-things-to-consider-when-holding-bonds-to-maturity\/#FAQs\" >FAQs<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/5-things-to-consider-when-holding-bonds-to-maturity\/#1_What_is_Yield_to_Maturity_YTM\" >1. What is Yield to Maturity (YTM)?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/5-things-to-consider-when-holding-bonds-to-maturity\/#2_What_is_the_relationship_between_the_%E2%80%9Cbond_yield%E2%80%9D_and_the_%E2%80%9Cactual_purchase_price%E2%80%9D\" >2. What is the relationship between the \u201cbond yield\u201d and the \u201cactual purchase price\u201d?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/5-things-to-consider-when-holding-bonds-to-maturity\/#3_How_to_manage_the_opportunity_cost_of_investing_in_bonds\" >3. How to manage the opportunity cost of investing in bonds?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/goldenpi.com\/blog\/bond-news\/5-things-to-consider-when-holding-bonds-to-maturity\/#4_How_to_reduce_the_risk_of_losing_purchasing_power\" >4. How to reduce the risk of losing purchasing power?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Want_to_Hold_a_Bond_Till_Maturity_5_Factors_You_Must_Consider_While_Investing_in_2026\"><\/span><span style=\"font-weight: 400;\">Want to Hold a Bond Till Maturity? 5 Factors You Must Consider While Investing in 2026<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Many investors prefer to hold bonds till maturity as they believe they can realise the <\/span><a href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/what-is-yield-to-maturity\/\"><span style=\"font-weight: 400;\">full YTM advertised<\/span><\/a><span style=\"font-weight: 400;\">. <\/span><i><span style=\"font-weight: 400;\">However, that\u2019s not static! <\/span><\/i><span style=\"font-weight: 400;\">Several factors, such as issuer risk, inflation, and taxes, can reduce your actual return.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Additionally, you may face:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u201cOpportunity costs\u201d if interest rates rise\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">and\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u201cReinvestment risk\u201d, when proceeds must be invested in a lower-rate environment.<\/span><\/li>\n<\/ul>\n<p><i><span style=\"font-weight: 400;\">Want to understand in detail? <\/span><\/i><span style=\"font-weight: 400;\">Below are five major factors you must consider before holding bonds till their maturity date:\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Risk_of_Default\"><\/span><span style=\"font-weight: 400;\">1. Risk of Default<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">When you hold a bond until maturity, your return depends entirely on the <\/span><a href=\"https:\/\/goldenpi.com\/blog\/bond-news\/how-to-evaluate-the-creditworthiness-of-nbfc-bonds\/\"><span style=\"font-weight: 400;\">issuer\u2019s ability to repay<\/span><\/a><span style=\"font-weight: 400;\"> both interest and principal. Your expected YTM may not materialise if the issuer:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Faces financial stress<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Fails to service interest payments<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Defaults on principal repayments<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Let\u2019s see how these events directly reduce the YTM:<\/span><\/p>\n<div class=\"pcrstb-wrap\"><table>\n<tbody>\n<tr>\n<td><strong>Credit Event<\/strong><\/td>\n<td><strong>What Happens<\/strong><\/td>\n<td><strong>How it Reduces YTM<\/strong><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Missed Interest Payments<\/span><\/td>\n<td><span style=\"font-weight: 400;\">The issuer skips or delays scheduled coupon payments.<\/span><\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">YTM assumes you will receive every coupon payment on time.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">When interest payments are missed, the total income declines.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">This leads to a lower actual return than the original YTM.<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Default on Principal Repayment<\/span><\/td>\n<td><span style=\"font-weight: 400;\">The issuer fails to repay the full face value at maturity.<\/span><\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">YTM includes full principal repayment in its calculation.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">In cases of default, your invested capital is reduced.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Such a capital loss directly reduces your return and can result in a negative yield.<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Delayed Payments Due to Restructuring or Recovery<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Payments are postponed and may be recovered later through legal or restructuring processes.<\/span><\/td>\n<td>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">YTM assumes payments are received on fixed dates.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">When payments are delayed, your capital does not generate income during the delay period.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Again, this reduces your annualised return.<\/span><\/li>\n<\/ul>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p><span style=\"font-weight: 400;\">So, you may note that the YTM is only valid when the issuer honors all payment obligations. Any disruption in interest or principal repayment reduces the actual return below the stated YTM.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Your_Return_May_Lose_Purchasing_Power\"><\/span><span style=\"font-weight: 400;\">2. Your Return May Lose Purchasing Power<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Even if the issuer does not default, <\/span><a href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/how-does-inflation-affect-bond-price\/\"><span style=\"font-weight: 400;\">inflation can reduce<\/span><\/a><span style=\"font-weight: 400;\"> the real value of your returns. This happens because your coupon rate is fixed, but the cost of goods and services may increase over time. For more clarity, let\u2019s study an example:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Suppose you invest \u20b91,00,000 in a 5-year bond.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">It pays 7% interest p.a.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your annual interest income is \u20b97,000.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Assume inflation increases by 6% per year.\u00a0<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Now, let\u2019s see how the real value of \u20b97,000 decreases over the bond term of 5 years:<\/span><\/p>\n<div class=\"pcrstb-wrap\"><table>\n<tbody>\n<tr>\n<td><strong>Year<\/strong><\/td>\n<td><strong>Interest Received (\u20b9)<\/strong><\/td>\n<td><strong>Inflation Impact (6% p.a.)<\/strong><\/td>\n<td><strong>Real Value of \u20b97,000 in Today\u2019s Terms (\u20b9)<\/strong><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Year 1<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Prices rise by 6%<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6,604 (<\/span><span style=\"font-weight: 400;\">7,000<\/span><span style=\"font-weight: 400;\">(1.06<\/span><span style=\"font-weight: 400;\">)<\/span><span style=\"font-weight: 400;\">1<\/span><span style=\"font-weight: 400;\">)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Year 2<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Prices rise further<\/span><\/td>\n<td><span style=\"font-weight: 400;\">6,230\u00a0 (<\/span><span style=\"font-weight: 400;\">7,000<\/span><span style=\"font-weight: 400;\">(1.06<\/span><span style=\"font-weight: 400;\">)<\/span><span style=\"font-weight: 400;\">2<\/span><span style=\"font-weight: 400;\">)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Year 3<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Continued inflation<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5,877\u00a0 (<\/span><span style=\"font-weight: 400;\">7,000<\/span><span style=\"font-weight: 400;\">(1.06<\/span><span style=\"font-weight: 400;\">)<\/span><span style=\"font-weight: 400;\">3<\/span><span style=\"font-weight: 400;\">)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Year 4<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Purchasing power falls more<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5,544\u00a0 (<\/span><span style=\"font-weight: 400;\">7,000<\/span><span style=\"font-weight: 400;\">(1.064<\/span><span style=\"font-weight: 400;\">)<\/span><span style=\"font-weight: 400;\">4<\/span><span style=\"font-weight: 400;\">)<\/span><\/td>\n<\/tr>\n<tr>\n<td><span style=\"font-weight: 400;\">Year 5<\/span><\/td>\n<td><span style=\"font-weight: 400;\">7,000<\/span><\/td>\n<td><span style=\"font-weight: 400;\">Significant erosion<\/span><\/td>\n<td><span style=\"font-weight: 400;\">5,232\u00a0 (<\/span><span style=\"font-weight: 400;\">7,000<\/span><span style=\"font-weight: 400;\">(1.06<\/span><span style=\"font-weight: 400;\">)<\/span><span style=\"font-weight: 400;\">5<\/span><span style=\"font-weight: 400;\">)<\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table><\/div>\n<p><span style=\"font-weight: 400;\">So, you still receive \u20b97,000 every year, but due to inflation, its purchasing power declines. By Year 5, \u20b97,000 has the same value as only \u20b95,232 today. This risk is higher for long-term bonds because inflation has more time to erode value.\u00a0<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">So, what can you, as an investor, do?<\/span><\/i><span style=\"font-weight: 400;\"> Try to compare \u201cbond yields\u201d with \u201cexpected inflation\u201d before deciding to hold until maturity.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_You_May_Incur_Opportunity_Cost\"><\/span><span style=\"font-weight: 400;\">3. You May Incur Opportunity Cost<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Holding a bond until maturity locks your money at a pre-determined return. If interest rates rise later, newer bonds may offer higher yields. However, your existing bond will still continue paying the lower rate.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This creates an opportunity cost as your capital remains tied to a \u201clower-return investment\u201d while better opportunities exist elsewhere. Analysing this factor is highly important when interest rates are rising.\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Consider_Your_Tax_Implications\"><\/span><span style=\"font-weight: 400;\">4. Consider Your Tax Implications<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">As per the provisions of the Income Tax Act, 1961, interest income from bonds is taxed under the head \u201cIncome from Other Sources\u201d and is added to your total income. It is taxed at your applicable income tax slab rate.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Additionally, capital gains are taxed based on your holding period as follows:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Long-term capital gains (holding period above 12 months) are taxed at 12.5%<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">while<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Short-term capital gains (holding period of 12 months or less) are taxed at the applicable slab rate.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Both these tax liabilities can reduce your actual post-tax return, which may be lower than the YTM you initially used to evaluate the bond.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_You_May_Be_Exposed_to_Reinvestment_Risk\"><\/span><span style=\"font-weight: 400;\">5. You May Be Exposed to Reinvestment Risk<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Reinvestment risk arises when the interest or principal received from a bond has to be reinvested at a lower interest rate than the original investment. For example:\u00a0<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Suppose you choose a bond based on its current YTM.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">However, when the bond reaches maturity, market interest rates have fallen.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">In such a situation, you may have to reinvest the amount at a lower coupon rate.<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">To counter this risk, you may try to diversify across bonds with different maturities.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">By doing so, you can avoid the risk of locking all your money at one coupon rate and time period.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">As a result, when bonds mature at different intervals, you get a better chance to reinvest this capital in newer bonds that may offer better yields.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"To_Conclude_Investors_Must_Assess_Opportunity_Costs_Tax_Liabilities_Credit_Risk_and_Inflation_Rate\"><\/span><span style=\"font-weight: 400;\">To Conclude, Investors Must Assess Opportunity Costs, Tax Liabilities, Credit Risk, and Inflation Rate<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">So now you know about the various factors to consider before holding bonds till maturity. At the time of purchase, relying solely on the advertised YTM may not be the right choice. That\u2019s because this YTM may decline if:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">The issuer defaults in servicing interest or principal repayments<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Inflation reduces purchasing power<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Taxes lower your post-tax income<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Additionally, you may face opportunity costs if interest rates rise during the holding period, and you could also be exposed to reinvestment risk. Therefore, as an investor, you may evaluate all these factors before deciding to hold your bonds until maturity in 2026.\u00a0<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">Looking for bond options online? <\/span><\/i><span style=\"font-weight: 400;\">You may visit the GoldenPi platform. Here, you can explore several corporate bond collections, such as <\/span><a href=\"https:\/\/goldenpi.com\/collections\/high-yield-bonds\"><span style=\"font-weight: 400;\">high-yield bonds<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/goldenpi.com\/collections\/highly-rated-bonds\"><span style=\"font-weight: 400;\">highly-rated bonds<\/span><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/goldenpi.com\/collections\/state-government-guranteed-bonds\"><span style=\"font-weight: 400;\">state government guaranteed bonds<\/span><\/a><span style=\"font-weight: 400;\">, and more.\u00a0<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"FAQs\"><\/span><span style=\"font-weight: 400;\">FAQs<\/span><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"1_What_is_Yield_to_Maturity_YTM\"><\/span><span style=\"font-weight: 400;\">1. What is Yield to Maturity (YTM)?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">It is the \u201cannualised return\u201d you can expect from a bond if you hold it until its maturity date. However, YTM is only an \u201cestimate\u201d based on current price and cash flows. The actual return you may realise depends on several factors, such as the issuer\u2019s ability to repay, inflation rates prevailing in the economy, tax implications, and more.\u00a0<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_What_is_the_relationship_between_the_%E2%80%9Cbond_yield%E2%80%9D_and_the_%E2%80%9Cactual_purchase_price%E2%80%9D\"><\/span><span style=\"font-weight: 400;\">2. What is the relationship between the \u201cbond yield\u201d and the \u201cactual purchase price\u201d?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Both are inversely related. If you <\/span><a href=\"https:\/\/goldenpi.com\/collections\/bonds-at-discounted-price\"><span style=\"font-weight: 400;\">buy a bond at a discount<\/span><\/a><span style=\"font-weight: 400;\"> (below face value), your yield increases because you earn interest plus an extra gain at maturity. In contrast, if you buy at a premium (above face value), your yield decreases because you receive less than what you paid.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_How_to_manage_the_opportunity_cost_of_investing_in_bonds\"><\/span><span style=\"font-weight: 400;\">3. How to manage the opportunity cost of investing in bonds?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">You may diversify across bonds with different maturities (known as \u201claddering\u201d). In such an approach, a part of your capital matures at regular intervals. This allows you to reinvestment it at current interest rates.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_How_to_reduce_the_risk_of_losing_purchasing_power\"><\/span><span style=\"font-weight: 400;\">4. How to reduce the risk of losing purchasing power?<\/span><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">You may prefer <\/span><a href=\"https:\/\/goldenpi.com\/blog\/essentials\/bond-market\/what-are-inflation-linked-bonds\/\"><span style=\"font-weight: 400;\">inflation-linked bonds<\/span><\/a><span style=\"font-weight: 400;\"> or floating rate bonds. In both these financial products, coupon rates are tied to an external benchmark, such as the inflation rate, repo rate, and more.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">________________________________________________________<\/span><\/p>\n<p><strong>Disclaimer:<\/strong><\/p>\n<p><span style=\"font-weight: 400;\">This information is for general information purposes only. GoldenPi makes no guarantee on the accuracy of the data provided here; the information displayed is subject to change and is provided on an as-is basis. Nothing contained herein is intended to or shall be deemed to be investment advice, implied or otherwise. Investments in the securities market are subject to market risks. Read all the offer-related documents carefully before investing.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Bonds or non-convertible debentures (NCDs) are regulated by the Securities and Exchange Board of India and other government authorities. GoldenPi Securities Private Limited is a registered debt broker and acts as a distributor and not as a manufacturer of the product.<\/span><\/p>\n<p><script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What is Yield to Maturity (YTM)?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Yield to Maturity (YTM) is the annualised return an investor can expect if a bond is held until its maturity date. It is an estimate based on the bond\u2019s current market price and expected cash flows. 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When purchased at a premium (above face value), the yield decreases since the investor receives less than the purchase price at maturity.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"How can investors manage the opportunity cost of investing in bonds?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Investors can manage opportunity cost by diversifying across bonds with different maturities, a strategy known as bond laddering. This approach allows portions of capital to mature at regular intervals, enabling reinvestment at prevailing interest rates.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"How can investors reduce the risk of losing purchasing power?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Investors may consider inflation-linked bonds or floating-rate bonds. These instruments have coupon rates tied to external benchmarks such as inflation or policy rates, helping mitigate the impact of rising prices.\"\n      }\n    }\n  ]\n}\n<\/script><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Holding a bond till maturity means keeping the bond until its final repayment date. During this period: You receive all scheduled interest&hellip;<\/p>\n","protected":false},"author":8,"featured_media":12338,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"no","_lmt_disable":"","footnotes":""},"categories":[25],"tags":[915,916],"class_list":["post-12325","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-bond-news","tag-check-before-holding-bonds-till-maturity","tag-yield-to-maturity-ytm"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Want to Avoid Secondary Markets? | 5 Factors You May Check Before Holding Bonds Till Maturity<\/title>\n<meta name=\"description\" content=\"Looking to invest in bonds and hold them till maturity in 2026? 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