Among Gayner's early IRA investments, LYONS bonds (Liquid Yield Option Notes) created by Merrill Lynch offered zero-coupon bonds that locked in 16-18% returns for 30 years when interest rates were extremely high in the late 1980s, representing one of his first meaningful-sized investments that worked out well.

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Speaker

Tom Gayner

Evidence Quote

you could buy literally a million dollars worth of these bonds at 0% interest rates, you know, zero coupon bond that would lock in a 16, 17, 18% return for 30 years.

Source

How To Succeed In Business, Investing, & Life w/ Tom Gayner (RWH024)The Investor’s Podcast
Created: 8/12/2026, 10:19:48 PM

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