📱 Best Platforms
Public.com, BondbloX
📖 The Hustle
Fractional bond investing lets you buy small slices of corporate and government bonds that were previously only available to institutions. On Public.com, buy $100 slices of bonds from companies like Apple or the U.S. Treasury and collect interest payments without needing $10,000 minimums. Build a ladder of fractional bonds with staggered maturities — when one bond pays out, reinvest the proceeds into a new one at the long end of your ladder.
🚀 First Step
Download the Public app, open an account, and buy $100 of a corporate bond fund to see how fractional bond interest works.
🔑 Keys to Success
- Build a bond ladder with maturities from 1 to 5 years so you are never fully locked into low rates
- Compare after-tax yields — corporate bonds are taxable, but Treasury bond interest is exempt from state taxes
- Use the Public app's bond screener to filter by credit rating, maturity, and yield to find the best risk-reward
🛠 Tools & Resources: Public.com, BondbloX, TreasuryDirect, Fidelity bond screener, FINRA bond data