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Fixed Income: Adults Don’t Belong in the Kiddie Pool

April 25, 2023 By E.J. Smith - Your Survival Guy

By Kyla Metzker @ Shutterstock.com

If you’re fairly wealthy, then chances are you have a pile of money you can’t afford to lose. If you’re familiar with Richard C. Young’s Intelligence Report, you know the road to riches is to keep what you make—to focus on the return of assets.

You’re familiar with the yeoman’s work Dick Young provided you with each month, including his recommended stocks on his Monster Master List, select preferred stocks, and zero-coupon bond recommendations, to name a few. Today we’re seeing opportunities in fixed income not seen in a generation.

For how long this opportunity lasts is anyone’s guess. I’m not big on predictions, but if history is any guide, would it be out of the question to wonder if rates will be lower in the future? But that’s not my concern. My concern is to take a look at today’s landscape and say, “Self, I think I’d like to lock in some reasonable yields for a number of years into the future.”

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Now, I’m not talking about a mutual fund or ETF. I’m talking about owning individual bonds. I like working with Fidelity. We can help you set up an account in your name, and with our discretionary authority, we can do the investing for you. It’s like a private spa, if you will, not a public pool with jarring whistles echoing in your head.

And here’s the kicker. When it comes to bond mutual funds and ETFs, the selection is as shallow as a kiddie pool. The lack of options makes it difficult to procure a portfolio you can be comfortable with. Instead, you’re in ankle-deep water, hoping you don’t slip and fall and break something. Not fun.

Action Line: Adults don’t belong in the kiddie pool. When you’re ready to talk, I’m here.

Originally posted on Your Survival Guy. 

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E.J. Smith - Your Survival Guy
E.J. Smith - Your Survival Guy
E.J. Smith is Founder of YourSurvivalGuy.com, Managing Director at Richard C. Young & Co., Ltd., a Managing Editor of Richardcyoung.com, and Editor-in-Chief of Youngresearch.com. His focus at all times is on preparing clients and readers for “Times Like These.” E.J. graduated from Babson College in Wellesley, Massachusetts, with a B.S. in finance and investments. In 1995, E.J. began his investment career at Fidelity Investments in Boston before joining Richard C. Young & Co., Ltd. in 1998.

E.J. has trained at Sig Sauer Academy in Epping, NH, NH, where he completed course-work in Practical and Defensive Handgun, Conceal Carry Pistol, Shotguns, Precision Scope Rifle and Kidnapping Prevention.

E.J. plays a Yamaha Recording Custom drum set with Zilldjian cymbals. His first drum set was a 5-piece Slingerland with Zildjians. He grew-up worshiping Neil Peart (RIP) of the band Rush, and loves the song Tom Sawyer—the name of his family’s boat, a Grady-White Canyon 306. He grew up in Mattapoisett, MA, an idyllic small town on the water near Cape Cod. He spends time in Newport, RI and Bartlett, NH—both as far away from Wall Street as one could mentally get. The Newport office is on a quiet, tree lined street not far from the harbor and the log cabin in Bartlett, NH, the “Live Free or Die” state, sits on the edge of the White Mountain National Forest. He enjoys spending time in Key West (RIP JB) and Paris.

Please get in touch with E.J. at ejsmith@yoursurvivalguy.com

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E.J. Smith - Your Survival Guy
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