Bonds (fixed income securities) have a place in most portfolios

Bonds provide diversification and income and should be part of a well-balanced portfolio. The recommended allocation to bonds generally increases as one nears retirement.

Individual bonds, bond funds or bond ETFs?

For larger portfolios, buying individual bonds including corporate bonds, municipal bonds, treasuries, and agency bonds can make sense. Buying individual bonds affords a portfolio manager greater flexibility in structuring a portfolio to each client’s unique situation and to have more control over taxable events. However, bond funds and bond ETFs are also a wonderful way to get the diversification bonds provide as well as to gain exposure to alternative bond strategies like high yield bonds and emerging market bonds.

How we can help

Come meet with us! We can explain how bonds work and how they might fit into your portfolio. If you are nearing retirement age this conversation could be of particular importance to you.

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