![]() ![]() As compared to other fixed income products and strategies, engaging in a bond ladder strategy may potentially result in future reinvestment at lower interest rates and may necessitate higher minimum investments to maintain cost-effectiveness. This potential lack of diversification may result in heightened volatility of the value of your portfolio. Although a money market fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in a money market fund.Ī bond ladder, depending on the types and amount of securities within the ladder, may not ensure adequate diversification of your investment portfolio. Past performance is no guarantee of future results and the opinions presented cannot be viewed as an indicator of future performance.Īn investment in a money market fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Small cap stocks are subject to greater volatility than those in other asset categories. Investing in emerging markets may accentuate this risk. International investments involve additional risks, which include differences in financial accounting standards, currency fluctuations, geopolitical risk, foreign taxes and regulations, and the potential for illiquid markets. Lower rated securities are subject to greater credit risk, default risk, and liquidity risk. Fixed income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications and other factors. Rebalancing may cause investors to incur transaction costs and, when a nonretirement account is rebalanced, taxable events may be created that may affect your tax liability.įixed income securities are subject to increased loss of principal during periods of rising interest rates. Investing involves risks including loss of principal.ĭiversification, asset allocation and rebalancing strategies do not ensure a profit and do not protect against losses in declining markets. Supporting documentation for any claims or statistical information is available upon request.Įxamples provided are for illustrative purposes only and not intended to be reflective of results you can expect to achieve. However, its accuracy, completeness or reliability cannot be guaranteed. Data contained herein from third-party providers is obtained from what are considered reliable sources. Each investor needs to review an investment strategy for his or her own particular situation before making any investment decision.Īll expressions of opinion are subject to change without notice in reaction to shifting market conditions. The investment strategies mentioned here may not be suitable for everyone. The information provided here is for general informational purposes only and should not be considered an individualized recommendation or personalized investment advice. Retirement Social Security Retirement Income Annuities Past performance is no guarantee of future results. 30-day Treasury Bill Index was used for cash investments prior to 1978. CRSP 6-8 was used for small-cap stocks prior to 1979, and Ibbotson U.S. The moderate allocation is 35% large-cap stocks, 10% small-cap stocks, 15% international stocks, 35% bonds and 5% cash investments. The moderately conservative allocation is 25% large-cap stocks, 5% small-cap stocks, 10% international stocks, 50% bonds and 10% cash investments. ![]() The conservative allocation is composed of 15% large-cap stocks, 5% international stocks, 50% bonds and 30% cash investments. 3-month Treasury bills (cash investments). Aggregate Bond Index (bonds) and FTSE U.S. ![]() The indexes representing each asset class are S&P 500 ® Index (large-cap stocks), Russell 2000 ® Index (small-cap stocks), MSCI EAFE ® Net of Taxes (international stocks), Bloomberg Barclays U.S. Returns include reinvestment of dividends and interest. The asset allocation plans are weighted averages of the performance of the indexes used to represent each asset class in the plans and are rebalanced annually. The return figures represent the best and worst total returns, as well as the compound average annual total returns, for the hypothetical asset allocation plans. *Based on data collected from 1970 through 2022. Environmental, Social and Governance (ESG) Investing. ![]() Bond Funds, Bond ETFs, and Preferred Securities.ADRs, Foreign Ordinaries & Canadian Stocks.Environmental, Social and Governance (ESG) ETFs.Environmental, Social and Governance (ESG) Mutual Funds.Benefits and Considerations of Mutual Funds. ![]()
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