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Dianne Williams, MBA

Certified Retirement Counselor®

Since 1983 in the financial services and investment industry

 

Retirement Pathways, Inc.

4965 U.S. Highway 42, Suite 1000

Louisville, KY 40222

 

Phone:  502-797-1258 

 

Email: dianne@retirementpathways.com

Website: www.retirementpathways.com

May/June 2019

Fixed Income Solutions

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When you want to combine safety from your investments and a way to keep up with inflation in retirement, owning a few fixed income options may serve your purpose. Here’s a look at how some fixed income options might fit into your investment and savings approach in retirement.


Least Risky
You can lose ground with any fixed investment when inflation outpaces interest rates. Also know that while Treasury bonds, bills and notes you buy directly are backed by the full faith of the United States government, the same investment inside a mutual fund* can lose principal.


Mostly Safe
Money market funds** are another relatively safe short-term investment that offers investors a nominal
interest rate. These funds strive to keep a net asset value (NAV) at $1, another way of saying they strive to not lose money. They can lose principal, however, if they go below $1 per share. Fixed income annuities offer an interest rate which can rise or fall depending on overall interest trends.


More Risk, More Potential
If you want to accept more risk, investment-grade corporate bonds may offer a decent mix of relative safety and return. Work with a financial professional to identify your risk tolerance and your appropriate level of risk.


* Because mutual fund values fluctuate, redeemed shares may be worth more or less than their original value. Past performance won’t guarantee future results. An investment in mutual funds may result in the loss of principal. Carefully consider investment objectives, risks, charges and expenses of the investment company before investing. The prospectus, which you can get from your registered representative, will include this and other information; read it carefully before investing.


** The fund’s sponsor has no legal obligation to provide financial support to the fund, and you should not expect that the sponsor will provide financial support to the fund at any time.


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* Securities offered through American Equity Investment Corporation. Member FINRA/SIPC. 4222 Grant Line Road, New Albany, IN 47150. Investment advisory services offered through American Capital Management, an SEC Registered Investment Advisor. Retirement Pathways, Inc. is independent of American Equity Investment Corporations and American Capital Management.

Retirement Pathways, Inc. and LTM Marketing Specialists LLC are unrelated companies. This publication was prepared for the publication’s provider by LTM Client Marketing, an unrelated third party. Articles are not written or produced by the named representative.

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