Municipal bonds are issued by states and municipalities and typically have tax advantages relative to other fixed income assets. In general, income from muni bonds is tax exempt at the federal level and at the state level for investors living in the issuing state. Municipal bonds have historically been favored by investors in high tax brackets who, of course, derive more benefit from the tax exemptions by virtue of being in the highest tax brackets. (more…)
Posts Tagged ‘high yield bonds’
Sector Watch: Municipal Bonds
Posted in 401(k), Asset Allocation, Bonds, ETFs, pensions, Retirement, retirement income, retirement planning, Risk, Taxes, Uncategorized, tagged Bill Gross, fixed income, folios, high yield bonds, income exempt, interest rates, Meredith Whitney, muni, Municipal Bonds, public pensions, QE, Quantitative Easing, Target Date Folios, Treasury bonds on November 19, 2012 | Leave a Comment »
Saving and Investing for Retirement: Part Four
Posted in 401(k), Active Investing, Asset Allocation, Bonds, Diversification, ETFs, financial planning, Income Investing, Investors, Long-term investing, Retirement, retirement income, retirement planning, Risk, Stock Investing, Volatility, Wealth, tagged Annuities, coupon payments, Fidelity, financial challenge, high yield bonds, Ibbotson, Inflation, junk bonds, MLPs, REITs, retirement income, SPIAs, SWRs, systematic withdrawal, Target Date Funds, TIPS, TIPS ladders on September 28, 2012 | 1 Comment »
Generating Income: Part Four of Our Special Five Part Series
During their working years, investors focus on saving and investing with a goal of building wealth. As they enter retirement, either by ceasing paid employment entirely or by scaling back paid employment, investors shift their focus to using their portfolios to provide a reliable long-term stream of income. This transition from building wealth to income generation is the subject of a great deal of research in retirement planning. Once investors are at or near retirement, the most significant financial challenge is using their accumulated savings to provide substantial income for their retirement years. (more…)
Mel Lindauer on Income Investing
Posted in Income Investing, Retirement, tagged Bogleheads, Bond Funds, bonds, high yield bonds, income, investing for retirement, John Bogle, Mel Lindauer, Risk on September 3, 2010 | Leave a Comment »
Yesterday Mel Lindauer, Forbes columnist, book co-author, Boglehead extraordinaire, offered some advice for younger investors. Rocky markets like the one we’ve been bobbing along in are great for the young, Lindauer argued, because investments are essentially “on sale” at the moment.
But the perfect market for someone in their 20s is a tough one for someone in their 60s. The last few years have been extremely tough for those close to retirement. In today’s post, drawn from the same interview with Lindauer, he addresses the challenges older investors face and the downside of a down market. (more…)
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