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Usually, there are two forms of investment in municipal bonds. The first is termed as general obligation. This depends on the issuer's ability to tax and issued for payment of projects such as sewer systems and schools. Majority of investors feel that general obligation bonds are much safer as compared to their counterparts in the revenue section. However, this is a misconception. On the other hand, the local government sanctioned entities or special state government entities issue the revenue municipal bonds. With the revenue generated from business backing the obligation, investors stand to gain from the interest. In case of water firms, bondholders get cash payment from the amount generated by the customers who pay their water bills. Taxable Municipal Bonds V/s Tax Free Municipal Bonds: Investors having an average interest in bonds may have a difficult time in deciding between tax-free municipal bonds and taxable corporate bonds. With the help of a formula known as taxable yield, investors can decide on the type of fixed income investment that may provide them with greatest after-tax return. Below mentioned are the two major thumb rules beneficial for amateur municipal bond investors:-
- Non-profitable organizations are always at an advantage in investing in the corporate bonds largely because of their tax-free status.
- Investors, who come under the high income tax brackets, are always better in investing in tax-free municipal bonds.
- The responsible authorities for servicing of interest payments on bonds.
- Check for the financial status of the issuer.
- Has a population of at least 10,000 or greater.
- Diverse economy and,
- It bears a good record of punctual payments on the previous obligations.