Are bonds still safe? What happens when the part of your portfolio designed to provide stability starts going down? And if bonds can lose value, should you consider CDs, Treasury bills, or other fixed income options instead?

In this Balance Your Wealth special episode, Ryan is joined by Bob, Tyler, Nic, and Adam to break down what is happening in the bond market and why bond prices can fall when interest rates rise. The team also discusses bond ladders, bond funds, retirement portfolios, and how investors can think about fixed income based on their goals and financial situation.

In this episode, you’ll hear discussions on:

• Why bond prices generally fall when interest rates rise

• Why a declining bond price does not necessarily mean a loss of expected income

• How today's bond market compares with the challenges investors faced in 2022

• How CDs and Treasury bills compare with bond portfolios

• Why CDs can appear more stable because they are not priced like marketable securities

• How bond ladders work and when they may make sense

• The differences between individual bonds, bond funds, and professional bond management

• How tax-loss harvesting can create planning opportunities in a declining bond market

• Why bonds can play an important role in reducing portfolio risk during retirement

• How a bucket strategy may help separate near-term retirement spending from longer-term investments

• Why today's higher interest rates create a different opportunity set for fixed income investors

The team also explains why there is no single answer to whether bonds are "safe." The role of fixed income depends on what an investor needs from the portfolio, including income, stability, liquidity, time horizon, and overall retirement goals.

How are you managing fixed income and bonds in your retirement plan? Share your thoughts or questions in the comments below!

#BondMarket #FixedIncome #RetirementPlanning #BondInvesting #TreasuryBills #FinancialPlanning #InterestRates #BalanceYourWealth

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This material is purely intended to be general and educational in nature, and should not be construed as specifically-tailored investment, financial planning, tax, legal, or other professional advice. Information and data contained herein is as-of the date of publication, and may be subject to change in the future without notice. Any investment performance referenced is purely past performance, which is no guarantee of any future performance. Nothing contained herein should be construed as an offer to sell, a solicitation of an offer to buy, or a recommendation of any security or other financial product or investment strategy. All investment, tax, and financial planning strategies involve risk that you should be prepared to bear. You are highly encouraged to consult with professionals of your choosing before taking any action based on this material.