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RE: Why are dividends better than interests?
How you measure risk? Soverign bonds are considered as secure, with almost 0 percent of risk of default. (Issued in national currency.) But shares, a particular share can fall to 0.
Or, you can measure risk with volatility. The 10y bond volatility index (TVIX) value is now 3.4, the VIX (S&P 500 volatility index) by 12.7.
But what is "very risky", is subjective.
https://www.investing.com/indices/10-year-us-treasury-note-volatility
https://www.investing.com/indices/volatility-s-p-500