Why I Stopped Using Bond Funds for My Clients... скачать в хорошем качестве

Why I Stopped Using Bond Funds for My Clients...

Bond funds are supposed to provide stability in retirement — but for many retirees, they’ve done the opposite. In this video, we break down why traditional bond mutual funds and ETFs create hidden risks, unpredictable income, and permanent exposure to interest rate swings, and why I’ve shifted to alternative strategies designed for retirees who need certainty, protection, and dependable outcomes. ✅If you want to know more about retiring better, 👉Learn more by visiting our website (https://mdrncapital.com/), or 👉 Schedule a call with my team here: https://mdrncapital.com/connect-with-us/ What This Video Covers — And Who It’s For If you’re retired or nearing retirement and relying on bonds for safety, income, or portfolio balance, this is a conversation you need to hear. In this video, we cover: Why bond funds do not behave like individual bonds The structural flaws of bond mutual funds (no maturity date, no principal guarantee) How rising interest rates permanently impact bond fund investors Why bond fund income is unpredictable — and why that matters in retirement How fixed index annuities (FIAs) work as a bond replacement strategy The real trade-offs: liquidity, surrender periods, caps, and guarantees When FIAs make sense — and when they absolutely do not Other bond alternatives, including CDs, MYGAs, money markets, and bond ladders How this fits into a bucket-based retirement income strategy This is not about chasing returns. It’s about structuring the conservative portion of your portfolio so it actually does the job retirees expect it to do: protect principal, reduce volatility, and support long-term income planning. About Me I’m Josh Maly, president of MDRN Capital. I work primarily with individuals and couples in or near retirement who are shifting from accumulation to income and protection. Over the years, I’ve seen too many retirees surprised by bond fund losses during periods when they expected stability. That’s why I focus on function-based portfolio design — using different tools for different time horizons instead of relying on a one-size-fits-all 60/40 model. The bond replacement strategy isn’t about abandoning discipline or guarantees. It’s about using the right tools for the right job — especially when volatility, interest rates, and sequence risk matter more than theoretical averages. Disclaimer This video is for educational purposes only. Nothing in this video should be taken as financial, tax, legal, or insurance advice. All investing involves risk, including the potential loss of principal. Guarantees referenced apply only to specific insurance products and are subject to the claims-paying ability of the issuing insurer. Product features, caps, rates, and terms vary by contract and carrier. Always consult with a qualified professional before making financial decisions.