At the Retirement Income Store, we don’t take shortcuts!

Our team of Income Specialists possesses the specialized training and knowledge to avoid costly mistakes, and effectively create customized portfolios of actively-managed individual fixed-income securities on behalf of our clients seeking to enjoy retirement.   

Why Individual Bonds?

When you buy an individual bond, you have a contract with a borrower. Naturally, that contract is only as good as the creditworthiness of the borrower.

The contract states you’ll get a fixed rate of interest for the life of the bond, and when the bond matures, you have a guarantee that the borrower will repay your principle at maturity…it’s a contract!

This is one of the reasons that Fixed Income investing can be such a viable option when it comes to planning and saving for retirement.  To learn more, check out our related post: What is Fixed Income Investing?

What about Bond Mutual Funds?

But when you buy a bond mutual fund, neither such guarantee exists.

So why do financial advisors utilize bond mutual funds instead of individual bonds?

It could be because many advisors got into the industry during the 1980’s and 1990’s, in what was the best stock market in US history. Since the stock market was providing such stellar returns, many advisors became specialists in growth-oriented, stock market-based strategies.

Also, since the analysis of stocks and stock mutual funds is much different from the analysis of fixed income investments, many stock market-based advisors will often take the easy way out and will just place their clients’ money into bond mutual funds when asked about fixed-income investments.

Many Advisors Will Just Take the Easy Way Out

Instead of spending the time to research individual securities and run the risk of choosing the wrong bond, many advisors will just advise you to invest your money in a bond mutual fund to give you instant diversification. One of the benefits, for the advisor, is that if the fund performs poorly, they can point the finger at the fund manager.

So, in a way, you can think of bond mutual funds as a “crutch” for stock market-based advisors because they’re leaning on a fund manager to pick the individual bonds for them. But like most things in life, simplicity comes at a cost. In this case, the cost is passed along to the investor, along with the added risks and stress that mutual fund investing can bring with it.

Ready to Start Generating Renewable Streams of Income?

If you are in retirement, or within 10 to 15 years of retirement, call us at (888) 888-4176 to find an Income Specialist in your area who can help reduce your exposure to stock market risk and help you generate ongoing streams of income you can count on well into retirement.

The Retirement Income Store® National Network of Income Specialists

2020-08-24T20:05:13+00:00

Jeffrey Small
President
Arbor Financial Services, Inc.
Melbourne, Florida

2020-07-27T20:36:32+00:00

Michael Burleigh
President
Peak Capital Management
Stuart, Florida

2020-08-24T19:52:25+00:00

Brad Williams
President
Brad Williams Financial Services
Huntsville, Alabama

2020-08-24T20:29:57+00:00

Steve Archer
President
Strategic Senior Benefits Group
Coconut Creek, Florida

2020-07-23T15:16:24+00:00

Michael Eastham
President
Fellowship Financial Group
Maitland, Florida

2020-07-27T20:23:11+00:00

JoAnn Regan
President
Financial Security Group
Glendale, Arizona

2020-08-24T19:50:56+00:00

Albert J. Flores
President
Retirement X Design, Inc.
San Ramon, California

2020-07-23T15:32:38+00:00

Matthew Johnson
President
Johnson Wealth and Income Management, LLC
Humboldt, Iowa

2020-08-24T19:59:25+00:00

Dee Carter
President
Carter Financial
Midland, Texas

2020-08-24T19:55:21+00:00

David Stearns
President
Stearns Retirement Group
Watkinsville, Georgia

2020-07-23T15:44:00+00:00

Jeanne Tatoian
President
Tatoian Wealth Management
Windsor, Connecticut

2020-08-24T20:28:26+00:00

Randy Dorcey
President
Dorcey Financial, LLC
Fort Myers, Florida

2020-08-24T20:01:06+00:00

Drew Pelton
President & Founder
Drew Pelton Investment Services
Baton Rouge, Louisiana

2020-07-23T16:34:39+00:00

Andrew Agemy
President
Agemy Financial Strategies, Inc.
Guilford, Connecticut

2020-08-24T19:56:20+00:00

David Wright
President
Wright Financial Group, LLC
Toledo, Ohio

2020-08-24T19:54:22+00:00

David McAdams
President
McAdams Group, LLC
Cordova, Tennessee

2020-07-28T15:44:41+00:00

Lindsey Cotter & Nathan Cox
Co-Founders
Retirement Income Solutions, LLC
Murfreesboro, Tennessee

2020-07-28T15:48:12+00:00

Wesley Wood
President
Wood Financial Group, LLC
Hendersonville, Tennessee

2020-07-28T15:50:52+00:00

Anthony Saccaro
President
Providence Financial & Insurance Services
Woodland Hills, California

2020-08-24T20:02:24+00:00

Jason Carrier
Investment Advisor Representative
Scranton Financial Group
Westbrook, Connecticut

2020-08-24T20:24:38+00:00

Patrick Peason
President
Peason Financial Group
Staunton, Virginia

2020-07-28T15:55:44+00:00

James Lineweaver
President
Lineweaver Financial Group
Valley View, Ohio

2020-08-24T20:43:34+00:00

Tim Sparks
Financial Advisor
Sparks Financial Group
Lexington, KY

2020-07-28T16:00:04+00:00

Sam McElroy & Tad Cook
Partners @financial & @financial investments
Chicago, Illinois

2020-08-24T20:23:41+00:00

Michael Stewart
President, Crystal Lake Tax & Financial
Crystal Lake, Illinois

2020-08-24T20:19:49+00:00

John McCartin
President
McCartin Financial
San Diego, California

FIND A RETIREMENT INCOME STORE® IN YOUR STATE!

Sign up to receive our Monthly Newsletter

Sign Up Now

(You will be asked to opt-in when you confirm your subscription offer. This is to allow us to present you with future offers, discounts, and tips that are offered with no obligation and are simply presented to you as a Retirement Income Store® Member)

IF YOU WANT YOUR RETIREMENT TO BE STRESS-FREE

FOCUS ON THE “I” AND NOT THE “G”

Get Started Today!