Bond Strategies for Various Financial Goals
The strategies used for bond investing will depend on the financial objectives you are pursuing. Those financial objectives could include earning interest while preserving principal, maximizing income, managing interest rate risk, helping reduce the volatility of stock investments, investing for a specific future goal, recognizing a loss for tax purposes, or reducing income taxes. Consider these bond strategies to help you achieve these financial objectives.
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Are Muni Bonds Appropriate for You?
No investment, including municipal bonds,
is appropriate for every investor. Before purchasing municipal bonds for your investment portfolio, consider
their advantages and disadvantages to see if they are appropriate
for your portfolio and will help you achieve your investment objectives.
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Keeping an Eye on the Economy
Watching key economic indicators over time
should help you understand the signals the economy is sending.
While you may not make financial decisions with certainty, understanding
the economy should help you make decisions, such as which investments
to purchase and sell, when to lock in mortgage rates, and when
to purchase major durable goods, with more confidence.
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Assessing a Bond's Credit Risk
Credit risk is the risk that the issuer's
credit rating will be downgraded, which could decrease the bond's
value. Lower credit ratings also are an indicator that a bond
may be subject to default risk, or the risk that the issuer will
not be able to pay interest and/or principal. When investing in
bonds, be sure to assess these risks.
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The Basics of TIPS
Treasury Inflation Protection Securities
(TIPS), issued by the U.S. Treasury, are similar to other Treasury
bonds in a number of respects. The main difference between TIPS and other
government bonds is that the bond's face value is adjusted periodically
for inflation based on the increase in the Consumer Price Index
for All Urban Consumers (CPI-U).
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David K. Sebastian, CFP®, and his team of experts at The Physicians Wealth Management Group specialize in working with individual physicians and group medical practices. David is considered to be one of the top financial advisors in the country with more than twenty five years of Wall Street experience as a chief investment officer, portfolio manager, institutional bond trader, and estate planning, benefits planning and retirement consultant.
Commitment to his clients’ financial needs and well being is a primary motivation for David.
The Physicians Wealth Management Group was specifically created to address and manage all of the unique financial challenges that doctors are facing both individually and through their group medical practices.
Feel free to contact me at
www.physicianswealth.com or
dsebastian@sfr1.com
or call me at (973) 285-3600
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