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Beth A. Botti, CFP®, ChFC, CLU, CDFA™
Financial Consultant
California Insurance License #0G24537
612 Wheelers Farms Road, Milford, CT 06460
Phone: 203-877-6556 Ext. 169
Fax: 203-301-0736
Email: beth.botti@equitable.com
May/June 2019
Fixed Income Solutions
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 nominalinterest 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.
GE-2314425d (11/18)(Exp. 11/20)
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Duly registered and licensed financial professionals offer securities through Equitable Advisors, LLC (NY, NY 212-314-4600), member FINRA,SIPC (Equitable Financial Advisors in MI & TN), offer investment advisory products and services through Equitable Advisors, LLC, an SEC-registered investment advisor, and offer annuity and insurance products through Equitable Network, LLC (Equitable Network Insurance Agency of Utah, LLC in UT; Equitable Network of Puerto Rico, Inc.). Equal Opportunity Employer - M/F/D/V. Equitable Advisors and its associates and affiliates do not provide tax, accounting, or legal advice or services. Representatives may transact business, which includes offering products and services and/or responding to inquiries, only in state(s) in which they are properly registered and/or licensed. Your connection to this website does not necessarily indicate that the sender is able to transact business in your state. The information in this website is not investment or securities advice and does not constitute an offer. For more information about Equitable Advisors, LLC you may visit https://equitable.com/crs to review the firm's Relationship Summary for Retail Investors and General Conflicts of Interest Disclosure.
GE-6572038.1 (4/24)(Exp. 4/26)
CFP®, and CERTIFIED FINANCIAL PLANNER™ are certification marks owned by the Certified Financial Planner Board of Standards, Inc. These marks are awarded to individuals who successfully complete the CFP Board's initial and ongoing certification requirements.
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