When you value the bond are you counting the interest income payments from the bond? Bonds pay interest income, according to their posted rate of return, once or twice a year. So if your bond has a 5% return, and is worth $2000, you should receive $50 every six months until the bond matures or you sell it. Bonds are not like mutual funds, so this income would have to go into your savings or investment account, it wouldn't compound or reinvest into the bond. In fact, they might have it setup so that the payments from your bond re-invest into your money market, so your perception of performance might be completely reversed (as the value of your money market will also contain the interest income from your bond.)
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