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A fixed income security is for the investor looking for a steady (fixed) stream of retirement income with no changes or surprises; and many times, they pay a higher interest the longer they mature.
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Key benefits
Fixed Income Securities
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These securities guarantee a rate of return when held to maturity and can provide a steady stream of monthly or quarterly income.
These are short-term and medium-term securities, issued by federal agencies. While they are not direct obligations of the United States, most offer government securities of sponsorship and a higher rate of return than Treasuries of comparable term lengths.
These are short-term securities that can mature at three months, six months, and one year. T-Bills are sold at a discounted face value and upon maturity pay out the full face value amount.
Typically issued and redeemed at face value, these notes pay out a fixed rate of interest every six months until they mature. Maturities range from two to ten years or more.
Like Treasury Bills, these are sold below face value and mature to face value in short-term intervals.
Comparable to Treasury Notes, these notes are offered for fixed periods of time and pay interest on a semi-annual basis.
Typically issued and redeemed at face value, these bonds pay out a fixed rate of interest every six months until they mature. Maturities range from two to ten years or more.
These are debt obligations issued by public or private corporations. Funds are used for things like building facilities, purchasing equipment, and expansion.
These bonds are issue by states, cities, counties, and other government entities to fund public projects such as building schools or highways.
Fixed income securities come in a variety of forms including securities, bonds, and notes. One or more may be a good fit for your financial goals. Speak with one of our financial consultants to find out more with a no-obligation review.
Every investment decision comes with its own risk and reward; diversifying your investment choices can help reduce risk. Learn how to use asset allocation to your advantage when designing your investment strategy.
Keep in Mind
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¹Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price. The market value of corporate bonds will fluctuate, and if the bond is sold prior to maturity, the investor’s yield may differ from the advertised yield.
Municipal bonds are subject to availability and change in price. They are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise. Interest income may be subject to the alternative minimum tax. Municipal bonds are federally tax-free but other state and local taxes may apply. If sold prior to maturity, capital gains tax could apply.
Government bonds and Treasury bills are guaranteed by the US government as to the timely payment of principal and interest and, if held to maturity, offer a fixed rate of return and fixed principal value.
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