The document discusses strategies for fixed income investing in the current economic environment. It notes that interest rates are still low but will likely rise gradually, making it challenging to find income from bonds. It recommends diversifying bond holdings by combining different maturity dates and considering higher-yielding but lower-quality bonds. However, lower-quality bonds carry greater risk. The document suggests that intermediate bond maturities provide a balance of higher yields and less interest rate sensitivity than longer-term bonds. It also notes that different bond sectors and structures will be impacted differently by rising rates and that diversification can help manage this risk.
While U.S. stocks finished the quarter with positive results, a range of global assets lost ground as bond yields jumped and commodity prices fell. The portfolio’s emphasis on U.S. equities and an underweight to interest rate risk, while helpful, did not offset declines across a range of global investments. The fund continues to pursue a flexible balance of risk exposures.
Bonds, Interest rates, and the Impact of InflationDolf Dunn
Bonds have had their 30+ year bull run, now it is time to pay close attention to the bonds you own. For decades, most people’s bond portfolios were just on autopilot, this will get you hurt going forward. Please read on..
Developing an Asset Allocation Strategy and the Military Familymilfamln
This webinar discusses asset allocation, diversification and strategies to implement an individualized investment plan https://learn.extension.org/events/1715
While U.S. stocks finished the quarter with positive results, a range of global assets lost ground as bond yields jumped and commodity prices fell. The portfolio’s emphasis on U.S. equities and an underweight to interest rate risk, while helpful, did not offset declines across a range of global investments. The fund continues to pursue a flexible balance of risk exposures.
Bonds, Interest rates, and the Impact of InflationDolf Dunn
Bonds have had their 30+ year bull run, now it is time to pay close attention to the bonds you own. For decades, most people’s bond portfolios were just on autopilot, this will get you hurt going forward. Please read on..
Developing an Asset Allocation Strategy and the Military Familymilfamln
This webinar discusses asset allocation, diversification and strategies to implement an individualized investment plan https://learn.extension.org/events/1715
Bonds, Interest rates, and the Impact of InflationDolf Dunn
Since May, interest rates on bonds have drifted upwards and values have declined. Investing in bonds can no longer be left on auto-pilot. Please read on...
2017-02-23 Are Bonds Safe? What Your Board Needs to Know about Interest Rate ...Raffa Learning Community
• How do interest rates effect bond prices?
• What is the likely future direction of interest rates and the resulting impact on bond prices?
• How do you know if your bonds are safe?
• Is owning bonds through bond mutual funds less safe?
• How to use investment policy to manage bond safety?
• Performance reporting and policy compliance – particularly related to bonds
Bond ladders are a valuable retirement planning strategy because of the ability to reinvest the principal from the maturing bond (bottom step) into a longer term bond with a higher yield. The new bond will then become the new top step of your ladder.
The article discusses an alternative approach to experiencing the costs of index reconstitution, called “Asset Classes,” which allow the fund manager broader leeway as to when to buy or sell, along with a broader range of holdings. This discussion begins in the section called “Decision Two: Indexing or Asset Class Investing?”
The Asset Class approach, also referred to by others as "Factor Investing," is based on what has become to be called “Evidence Based Investing” due to roots discussed in the linked "Factor Investing" article, that come from academic (peer reviewed and repeatable results) foundation that continues to this day.
My blog post discussing this article is scheduled to post 8 Feb 2017 http://wp.me/p2Oizj-Hh
Bonds, Interest rates, and the Impact of InflationDolf Dunn
Since May, interest rates on bonds have drifted upwards and values have declined. Investing in bonds can no longer be left on auto-pilot. Please read on...
2017-02-23 Are Bonds Safe? What Your Board Needs to Know about Interest Rate ...Raffa Learning Community
• How do interest rates effect bond prices?
• What is the likely future direction of interest rates and the resulting impact on bond prices?
• How do you know if your bonds are safe?
• Is owning bonds through bond mutual funds less safe?
• How to use investment policy to manage bond safety?
• Performance reporting and policy compliance – particularly related to bonds
Bond ladders are a valuable retirement planning strategy because of the ability to reinvest the principal from the maturing bond (bottom step) into a longer term bond with a higher yield. The new bond will then become the new top step of your ladder.
The article discusses an alternative approach to experiencing the costs of index reconstitution, called “Asset Classes,” which allow the fund manager broader leeway as to when to buy or sell, along with a broader range of holdings. This discussion begins in the section called “Decision Two: Indexing or Asset Class Investing?”
The Asset Class approach, also referred to by others as "Factor Investing," is based on what has become to be called “Evidence Based Investing” due to roots discussed in the linked "Factor Investing" article, that come from academic (peer reviewed and repeatable results) foundation that continues to this day.
My blog post discussing this article is scheduled to post 8 Feb 2017 http://wp.me/p2Oizj-Hh
Petro Cohen Petro Matarazzo is a full service workers’ compensation, personal injury, and Social Security disability, law firm with over 100 years of combined experience. The practice is limited to these three areas in order to provide you with the highest quality of legal service available.
Relatório Final da Conferência Municipal LGBT de AraraquaraDiversidadeSexualSP
Propostas, delegad@s eleit@s e outras informações sobre Conferência Municipal LGBT de Araraquara, realizada em dezembro de 2015, fornecidas por sua Comissão Organizadora
Still keeping your money on the sidelines because you are nervous about the market? Take a look at this article to see some of the unintended risks of inaction.
Bonds tend to have less risk than stocks, but at the cost of less return. However, a proper use of certain kinds of bonds may temper the risk of your overall portfolio using diversification.
Blog post scheduled for 9 Sep 2015
http://wp.me/p2Oizj-CR
Compared to equities, bonds at first glance can appear like a throwback to your grandparent's days, but this month we take a look at how bonds may help mitigate risk, and the role they play in a well-diversified portfolio.
This is a very appropriate article if you are getting ready to retire and looking for an investment strategy that will preserve your hard earned savings and provide you with an income to last throughout retirement.
Cornerstone Wealth Management's July 2017 "Investment Insights" newsletter, focusing on the Dept. of Labor's Fiduciary Rule, which should reduce conflicts of interest and protect the interests of all investors.
Five years after the worst economic crisis of our lifetimes, we are still feeling the after-shocks around the world.
Our recent financial past seems to herald one certainty for our collective
financial future: The investment world we grew up with has changed utterly.
Conventional wisdoms shaped by decades of high-return investing — first in equities from 1982 to 2000, then in fixed income markets over most of this century — need to be reexamined, revised, or even scrapped.
C.0 - Efectos de Aumentos de Tasas y Estrategia en Fixed Income en EE.UU
1. Presentación Ejecutiva:
Visión Global de Mercados y Opciones de Inversión
en Mercados Internacionales.
1. Implicaciones en Fixed Income en EE.UU. de un Aumento de Tasas de Interés
2. Strategy in Fixed Income EE.UU.
Abril, 2015
Lic. Carlos Francisco Gómez Guzmán - Wealth Management Advisor
2. The True Value of Bonds: Bonds still HELP Diversify Portfolios and Provide Income.
Income seeking investors can look beyond a range of U.S.
government and Investment Grade Corporate Bonds.
Bank of America Corporation Merrill Lynch Global Research: The
risk of bond prices declining as interest rates rise could be better managed through
portfolio laddering—that is, by combining bonds with different maturities.
The interest rates should remain low compared with previous recoveries but will rise
gradually from current levels. As a result, finding income in bonds will continue to
be challenging as yields are stuck at the bottom of their historical ranges.
Two classic ways to meet that challenge and potentially boost income
are to buy bonds with longer maturities and to invest in higher-yielding,
lower-quality bonds. The risk with the first approach is that it leaves
investors vulnerable if interest rates rise. If you want to sell before
maturity—say, to reinvest the proceeds in a higher-yielding bond—you'll
likely have to accept a discounted price. The potential problem with the
second approach is that lower-quality bonds may be more volatile than
other issues and bring a greater risk of default. Thus, such bonds may
not be suitable for conservative investors.
The current economic environment, with its uncertainty about interest rates and
inflation, seems to favor intermediate bond maturities. Those bonds
provide higher yields than short-term bonds but are less susceptible to
interest rate risk than longer-term holdings.
High Yield, Emerging Markets Corporate
Bonds and Senior Loans can be considered.
3. The True Value of Bonds: Bonds still HELP Diversify Portfolios and Provide Income.
12. Fixed Income Strategy - EE.UU. -
Lic. Carlos Francisco Gómez Guzmán - Wealth Management Advisor
13. Opportunities and Challenges for Fixed Income Investors
The interest rates are still near their 60-year lows.
Short-term rates and real yields (i.e., yields after
inflation) on some fixed income investments are
close to zero.
Even in a low rate environment, bonds provide
needed income and can reduce overall portfolio
volatility. Nevertheless, low rates, inflation and a
growing economy create challenges for fixed
income investors:
Producing enough income when rates are low .
Hedging against possible losses as rates rise.
Combating the impact of inflation on yields and
purchasing power.
Appropriately diversified fixed income investors can access
total return opportunities while maintaining the income
potential and diversification benefits that bonds have
historically provided.
14. THE IMPACT OF RISING RATES WILL VARY GREATLY:
While bonds will likely be adversely impacted by rising rates, the impact won’t be uniform across
all bond types.
Different bond market sectors, structures and maturities respond differently to
changing interest rates.
For example, High-Yield Bonds tend to be less sensitive to rates than U.S. Treasuries. The
same is true for shorter-term bonds. That’s why diversification can help manage risk
and reduce the overall impact rising rates might have on your bond portfolio.
The Impact of Rising Rates Will Vary Greatly
17. Find the Appropiate MIX for your Fixed Income Portfolio
When considering the right mix of investments, it’s important to:
Think strategically about augmenting your core bond holdings with complements and
extended sectors.
Adjust allocations to reflect your market and interest rate outlook.
Consider your goals and risk tolerances.
An appropriately diversified fixed income portfolio can potentially deliver better results and help
investors achieve their goals with the right balance of market risk and opportunity.
21. Muchas Gracias por su Atención
Atentamente, Carlos F. Gómez G. Registered Broker No. 252
www.bolsacr.com
Lic. Carlos Francisco Gómez Guzmán - Wealth Management Advisor