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Fixed Income Investment Strategy
Income. Stability. A Disciplined Approach.
Fixed income can play an important role in a well-constructed investment portfolio — particularly for clients approaching or living in retirement.
At Brick & Kyle, fixed income strategies are selected within the context of each client’s income needs, risk tolerance, time horizon and broader investment objectives.
When Your Portfolio’s Role Changes
From Accumulation to Income.
As retirement approaches, investment priorities often change.
A portfolio that once focused primarily on growth may eventually need to provide income while continuing to support financial needs for many years.
Brick & Kyle considers fixed income as part of the broader retirement picture, alongside equities, Social Security, pensions, retirement accounts and other financial resources.
Built Around the Individual
Your Fixed Income Strategy Should Reflect Your Life.
There is no universal fixed income allocation.
Brick & Kyle considers factors including:
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Age and stage of life
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Retirement timing
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Income requirements
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Risk tolerance
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Time horizon
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Expected withdrawals
These considerations help determine how fixed income should fit within the client’s broader portfolio.
Finding the Right Balance
Fixed Income Does Not Stand Alone.
As retirement approaches, investment priorities often change.
A portfolio that once focused primarily on growth may eventually need to provide income while continuing to support financial needs for many years.
Brick & Kyle considers fixed income as part of the broader retirement picture, alongside equities, Social Security, pensions, retirement accounts and other financial resources.
Stability With Purpose
A Foundation for Income, Balance and Confidence.
Fixed income can play an important role in helping a portfolio do more than pursue growth.
For many Brick & Kyle clients—particularly those approaching or living in retirement—it can help provide a dependable source of income, reduce overall portfolio volatility and create greater balance through changing market conditions.
The role of fixed income is not the same for every investor. Its purpose depends on the client’s goals, income requirements, risk tolerance and stage of life.
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Income
Fixed income investments can help generate a more predictable stream of interest, which may become increasingly important as clients transition from earning a paycheck to relying on their investments for income.
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Stability
Because fixed income investments may behave differently from equities, they can help moderate portfolio fluctuations and provide greater stability during periods of market uncertainty.
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Diversification
Combining fixed income with equities and other investments can help create a more balanced portfolio and reduce dependence on any single source of return.
Principal
For clients who have spent decades building their assets, preserving capital can become increasingly important. Fixed income may play a role in supporting that objective while continuing to provide income.
What Do You Need Your Portfolio to Provide?
Build an Investment Strategy Around Your Goals.
Whether you are preparing for retirement or already living in retirement, the role of fixed income should reflect what you need your portfolio to accomplish.
Brick & Kyle welcomes the opportunity to learn more about your goals and discuss how fixed income may fit within your overall investment strategy.