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.   

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!

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.

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.

If you are in retirement, or within 10 to 15 years of retirement, call us at 888-492-0505 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

2019-10-24T17:47:49+00:00

Jeffrey Small

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

2019-10-25T16:06:19+00:00

Brad Williams

Brad Williams
President
Brad Williams Financial Services
Huntsville, Alabama

2019-10-24T14:39:55+00:00

Steve Archer

Steve Archer
President
Strategic Senior Benefits Group
Coconut Creek, Florida

2019-10-24T14:40:40+00:00

Michael Eastham

Michael Eastham
President
Fellowship Financial Group
Altamonte Springs, Florida

2019-10-24T14:39:04+00:00

JoAnn Regan

JoAnn Regan
President
Financial Security Group
Glendale, Arizona

2019-10-24T14:36:27+00:00

Matthew Johnson

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

2019-10-24T14:38:53+00:00

David Stearns

David Stearns
President
Stearns Retirement Group
Watkinsville, Georgia

2019-10-30T19:47:37+00:00

Randy Dorcey

Randy Dorcey
President
Dorcey Financial, LLC
Fort Myers, Florida

2019-10-29T15:23:11+00:00

Drew Pelton

Drew Pelton
President
Tax & Retirement Solutions
Baton Rouge, Louisiana

2019-10-25T16:21:17+00:00

Andrew Agemy

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

2019-10-25T16:23:11+00:00

Wesley Wood

Wesley Wood
President
Wood Financial Group, LLC
Hendersonville, Tennessee

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