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Strategies & Market Trends : Dividend investing for retirement

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To: maverick61 who wrote (27891)	9/4/2017 3:14:14 PM
From: JimisJim	of 34328

By definition, if bond yields rise, their prices will decrease... with years of zero to very very low yields, bond prices have been sky high for a long long time with only two possible directions: stay the same or go down... individual bonds may be the way to go, but know that up until very recently, big institutions have actually been getting negative yields on their bond buys -- something they were willing to do because they have to put that money someplace and they figured it was cheaper to park in negative effective yielding bonds than other places. Another avenue to explore (not my cup of tea, but wouldn't hurt to explore) would be to find a bond CEF that uses a bit of leverage to overcome any future whacking the bond market might experience... I'd be leery of any such fund that used more than 50% leverage... just know that buying individual bonds right now means you will be paying more at the time of purchase and locking that price in, along with low yield, for the length of time to maturity... something to balance/weigh against each other and your individual needs... I agree that annuities are perhaps the least attractive option -- at least for me, not everyone, but the more I read, the more I dislike annuities except for maybe the ones that you buy all at once and don't kick in until one achieves a certain age, guaranteeing that income from that point on... I believe that last sort of annuity has the best risk/reward for already or close to retired people... Getting my wife out of her variable annuities when we first met and into mutual funds (all/both under her 403b umbrella) was the single best "investment" move I made for us... I calculate that she has 50% more in her retirement savings than she would have had sticking with those two variable annuities she had back in the 1980s.

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