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 ‘public pensions’
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 »
The Peril of Underfunded Public Pensions
Posted in Active Investing, Asset Allocation, financial planning, Market Outlook, Retirement, Stock Investing, Uncategorized, Wealth, tagged 401k, monte carlo, pensions, public pensions, retirement, retirement savings on November 3, 2011 | 3 Comments »
There is no question that the promises made by state government pension plans are a major challenge to the future financial health of U.S. states. Many states pensions are already dramatically under-funded. A recent study suggests that the aggregate under-funding in state budgets, including pensions, is over $4 trillion. A 2010 analysis, the definitive research to date, finds that the unfunded state pension promises amount to $2.5 trillion.
What do these kinds of numbers really mean in practical terms? (more…)
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