Bonds are the quiet half of investing: you lend money to a government or a company, they pay you interest, and at the end they hand your money back. A US Treasury bond is the classic example — boring by design. The twist: bond prices move opposite to interest rates. When rates climb, new bonds pay more, so existing ones lose value. That is one reason a 10-year Treasury yield near 5.3% has rattled stocks all month. Many investors blend bonds with stock ETFs like $VOO or $SPY to smooth the ride. Less excitement, fewer gut punches. Not financial advice.
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