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Early redemption

Q

First, I want to say that I thoroughly enjoy your columns. My question is concerning Early Redemption. As I understand it, most bonds are subject to early redemption. It seems that ER makes the yields completely unpredictable, as the bond issuer may redeem (call?) the bonds at any time regardless of the call features. Can you please comment?

M.M., Ohio

A

James A. Klotz responds:

Most municipal bonds carry an “extraordinary” or “catastrophic” redemption feature, but are rarely exercised. These calls usually are exercised in the event of catastrophic circumstances causing the funded projects to be cancelled. The parameters for this type of call are outlined in the official statement.

Jul 29, 2005

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