Rate Trigger

  

Categories: Credit, Bonds

Your spouse might have a "leaving coffee cups on the counter or table" trigger. Leave a half-drunk cup of coffee in the living room and it will trigger some adverse action on her part.

Bonds have a similar dynamic going on. Certain events trigger certain actions. This situation usually comes up with callable bonds. The term refers to a bond that gives the issuer an option to call them in, meaning they can buy the bond back under certain pre-set conditions. These pre-set conditions can include a rate trigger: an interest rate level that, when reached, causes the issuer to call the bond.

A company issues 10-year bonds at a rate of 7%. After two years, overall rates drop. Now, the company could issue 10-year bonds and only pay 5%. So it calls the original set and issues a new one at 5%. The drop in rates triggered the call. Rate trigger.

Related or Semi-related Video

Finance: What Does "Called Away" Mean?58 Views

00:00

finance a la shmoop what does called away mean? ....Okay Boeing the bomb maker was [Boeing plane dropping bombs]

00:08

trading at 127 bucks a share you thought it was getting pricey now at

00:13

25 times earnings well at $135 a share you'd sell it but here at 127 it was right on

00:21

the ledge in no-man's land unclear in your brain whether or not to [Girl thinking about stocks]

00:25

sell so you sold a covered call on it that is you sold another investor the

00:32

right to buy your Boeing shares any time in the next three months for $135 a

00:38

share that's what they pay you and that investor paid you two bucks a share for

00:42

that privilege so in essence you have a "forward sold" share of BA

00:48

at 137 not 135 right did you collect the two bucks there and you're feeling

00:54

pretty proud of yourself for coming up with this clever way to gently either [Girl feeling smug]

00:58

get out of the stock or make a free two bucks a share if the stock well never

01:02

went up that much but oh how the cold cruel street works...

01:06

A month later Santa tells the press that North Korea is being naughty and it

01:11

needs not socks or rocks but bombs dropped on it and a huge order for big [Bomb explodes]

01:16

fat noisemakers comes in to Boeing while the stock rockets overnight so to speak

01:22

From 129 to 152 a share, wow!

01:27

so what happens now well the other investor who paid two bucks a share for

01:32

the call option from you to buy your share at 135 well, they're dancing in

01:37

the street they're feeling pretty smart she paid two bucks for what is now a

01:41

gain of 152 minus 135 or $17 a share and yeah you read that right she just

01:47

made eight and a half times her money in a month good work if you can get it and

01:52

what happens to you well your shares of Boeing were called away yes took us a

01:58

while to get there to the definition thing they were called away by her thank

02:01

you very much then we're so far out of the money the other investor just called [Investor shouts and stock goes towards investor]

02:05

them right away paying you your two bucks and you just getting the hundred

02:09

and thirty-five bucks a share in cash there and that's it goodbye you lost all

02:13

the upside because your shares were called

02:15

away and meanwhile you watch the shares waft slowly upward over the next year [Boeing share value rising]

02:21

from 152 a share to 200 and you weep at the gains lost we also used the term

02:27

call away to refer to calling a bond early right like if you bought some

02:31

bonds from Boeing that gave them the right to call them before the bonds [Bond appears]

02:35

reached maturity and they do this all the time people well there's nothing you

02:39

can do those bonds will have been called away by Boeing so to be fair they do pay

02:44

you a little premium there usually for the privileged calling away yeah so not

02:48

necessarily the best thing for you but don't lose your cool and get mad because

02:51

when you sure don't want to end up on Santa's naughty list this year [Santa's reindeer fires laser at city]

02:55

we've heard Boeing's work wonders on Rudolph..

Up Next

Finance: What is call protection, and how does it work?
2 Views

What is call protection, and how does it work? Certain bonds that are issued are callable, meaning that after a certain date, the issuer reserves t...

Find other enlightening terms in Shmoop Finance Genius Bar(f)