On This Episode:
As people approach retirement, they look for more conservative investment options since safety typically becomes the priority over growth. While there are multiple ways to achieve that outcome, the choice that many retirees and pre-retirees navigate toward for safety is bonds. But bonds may be riskier than you think and today we’re going to break down the intricacies of bonds and how they are best used within a retirement portfolio.
Ryan is joined by Ron Wyatt, CFP®, CIMA®, CPWA® and Nick Lewandowski, CFA®, CFP® to break down bonds into three segments: understanding what bonds are, the associated risks, and how to construct a bond portfolio. Join us to learn why bonds are a crucial component of retirement portfolios, learn about credit and interest rate risks, and get insights into crafting a balanced bond portfolio.
Here’s what we cover in this episode:
0:00 – Intro
1:01 – What are bonds?
2:52 – Why invest?
5:10 – Types of issuers
9:23 – Interest rate risk
18:26 – Why duration matters
19:35 – Crafting a bond portfolio
Resources:
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This content is provided for informational and educational purposes only and should not be construed as personalized investment, tax, legal, or financial planning advice or a recommendation regarding any specific security, strategy, or product. The information presented does not consider any individual’s specific circumstances or objectives.
Opinions expressed are subject to change without notice. Information presented is believed to be reliable but is not guaranteed as to accuracy or completeness. Any examples, assumptions, projections, or investment outcomes discussed are illustrative only. Past performance is not indicative of future results.
Investing involves risk, including the potential loss of principal. Tax and legal discussions are general in nature and based on current laws and interpretations, which may change. Before implementing any strategy discussed, individuals should consult with their financial, tax, or legal professionals regarding their specific situation.
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