Bonds or fixed income really have two purposes for the US individual investor: income and stability. Some will disagree with me. They would say that you might want to own bonds for appreciation. However, In order to achieve appreciation, you must have institutional investor scale. In my view this is requires probably $100 million in […]
Fixed Income and the Retail Investor Read More »
Bond Investing When we are selecting bonds for our portfolios, we have a range of factors we evaluate: Our first check is the price. As mentioned above, we will almost always buy bonds at or below their maturity or call price. There are two reasons for this. One is perception, the other reality. Dealing with
Buying Bonds at or Below Par Read More »
Our version of buying bonds for income and stability is best demonstrated using the example of the Required Minimum Distribution. It is broadly known that at now 73—a few years ago it changed from 70 1⁄2 to 73—with very few exceptions investors must begin taking money out of their IRAs. It is sometimes a surprise
Buying bonds and the RMD Read More »
All throughout my career I have heard the mantra of “laddering portfolios.” Laddering maturities means to buy a series of bonds over time so that regardless of whether interest do, there will soon be a bond maturing and one can reinvest the proceeds at the new interest rates. This is cowardly. This also provides the investor with
Investment Advisory Services offered through Integrated Advisors Network (“Integrated”), an SEC Registered Investment Advisor. Registration does not imply a certain level of skill or training. Certain Representatives of Lattice Wealth Management Group Inc. are also registered with and offer securities through Fortune Financial Services, Inc., Member FINRA / SIPC, 100 Enterprise Drive, Suite 504, Rockaway, NJ 07866. (800) 637-3211. LWM is affiliated with, but not under common control of, Integrated Advisors Network. Lattice Wealth Management Group Inc., Fortune Financial Services, Inc., and Integrated Advisors Network are all separate entities. 111 North Market Street, Suite 300 San Jose CA 95113
Lattice Wealth Management
84 W Santa Clara St. Suite 734 San Jose, CA 95113
Lattice Wealth Management
5401 Business Park South, Suite 208
Bakersfield, CA 93309
Lattice Wealth Management
201 Spear St., Suite 1100
San Francisco, CA 94105