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Fixed Income Investing Today: A Generational Buying Opportunity

October 6, 2023 By E.J. Smith - Your Survival Guy

Look, sometimes life just goes your way. You wake up one morning and see interest rates you can sink your teeth into. It’s been years of zero-percent drudgery. Somehow, we got through it, and for many of you, your patience paid off. Today, dear fixed-income investors, you have a cornucopia of products paying yields one could only dream of not too long ago.

How about those of us holding onto fixed-income positions purchased through the drought years that began after the financial crisis? You know what? If you have a diversified portfolio with laddered maturities, you might be pleasantly surprised when you calculate the yield to cost. And, instead of looking at the lowest yielder (as we are apt to do), may I suggest looking at the whole, then consider where we’ve been, and understand we can’t invest through the rearview mirror.

But it’s foggy looking through the windshield.

Will interest rates go up from here?

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Not my concern.

Look, I’m Your Survival Guy. I look at the lay of the land, not what I hope it to be.

I look at what the market’s giving today compared to what it was giving yesterday.

Am I trying to predict the future? No.

It’s hard enough to understand where we’ve been. Everyone’s wondering if the Fed will raise rates this year or next. Maybe. Don’t forget the Fed controls a tiny sliver of the yield curve.

My concern is getting paid today, understanding that fixed income is quantitative. Guessing where rates will be, or prices is qualitative. Thinking too much is just that—thinking. Taking action, beating inertia is hard, but it is necessary to be an investor as opposed to a talking head.

Action Line: Diversification and patience allow me to be an investor at all times. If you’d like to join me, let’s talk.

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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