Is Investing In Bond Mutual Funds A Good Idea? Let’s Look at The Disadvantages

Look before you leap when it comes to bond mutual funds. Bond funds are similar to stock mutual funds in that they are pooled investments under the control of a fund manager who makes investment decisions. The most significant difference between the two is that a bond fund contains a selection of bonds, rather than [...]

By |2020-04-14T00:06:41+00:00July 1st, 2019|Bonds|

What Happens To Bonds and Annuities If Interest Rates Rise

Just a simple rate movement over time of 3% (3.25% discount rate) would reduce the actual value of all inforce US Treasuries by as much as 40% of their market value. Think what would happen if interest rates went even higher? Disaster would loom and trillions of dollars would evaporate if these assets were liquidated. Of course there would be a winner: the US Taxpayer. Treasuries would be replaced with a higher earning interest rate bond, but at a far less value a third of its market value of the original bond.

By |2020-04-16T18:27:06+00:00May 8th, 2019|Annuities, Bonds|

Are Municipal Bonds Really Tax Free?

Are municipal bonds tax-free?  Might want to make sure. Municipal securities, also known as "munis," are bonds issued by governmental entities such as states, cities, counties, and other organizations. The bonds are sold to raise money for public interest projects such as schools, bridges, roads, and other municipal construction needs to benefit the public. Like [...]

By |2020-04-13T18:37:26+00:00February 2nd, 2019|Bonds|

Investing: A Basic Overview

Investing, risk and reward, basics, learn this important information Different Ways to Invest There are many different ways to invest, and many different types of things to invest in. Some people choose stocks, bonds, or mutual funds, while others primarily invest in real estate. A smart investor knows that portfolio diversification is key, and that [...]

By |2020-04-17T16:17:42+00:00January 17th, 2019|Investing|

Longevity! Can You Insure It? Yes!

What happens if you live longer than you expect? How do you make sure your funds last as long as you do? Do you invest in stocks? Bonds? Keep your money in the bank? Increased life expectancy is extending the time needed for our retirement funding, making sure our money lasts as long as we do has become the new “mantra” of the Baby Boomers.

By |2020-05-20T21:26:05+00:00April 29th, 2013|Annuities|