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Emphasis: Fixed Income and Liquidity

By Bob Barber and Shawn Peters

With high-interest rates not seen in years and a very volatile stock market at this time, we are emphasizing our actively managed Ultra-conservative, Fixed-income Portfolio as an inflation hedge with NO stock market exposure and 100% daily liquidity with no surrender fees.

Why such an emphasis on managed Fixed Income now? 

What about CDs?

CDs have a small place in an overall portfolio strategy but still lag inflation by 1.5-2% annually, resulting in a significant loss of purchasing power, and are not liquid without a penalty. This is called “going broke safely” year by year. 

The Goal

An actively managed Liquid, Ultra Conservative Fixed Income Portfolio with many different types of fixed-income investments to mitigate risk, and keep up with the inflation rate, not lag it, may help maintain purchasing power without investing in more volatile stocks. 

Use a dual fixed-income strategy; we can help you with both. 

Brokered CDs at better rates than most banks (presently in the 5% range), plus using our Ultra Conservative Fixed Income Portfolio that’s completely liquid as an inflation hedge may be a good dual strategy for all your fixed income needs.

What now? 

Would you like to learn more about a dual fixed-income strategy as an inflation hedge without stock market exposure? We can be reached by phone or text at 830-609-6986 during regular business hours or you can set up an appointment (click here) to discuss what’s best for you. 

 

Bob Barber – CEO and President
Shawn Peters- CCO and Vice President[/vc_column_text][vc_empty_space][vc_column_text]

The views expressed represent the opinion of Christian Financial Advisors®. The views are subject to change and are not intended as a forecast or guarantee of future results. This material is for informational purposes only. It does not constitute investment advice and is not intended as an endorsement of any specific investment. Stated information is derived from proprietary and nonproprietary sources that have not been independently verified for accuracy or completeness. While Christian Financial Advisors® believes the information to be accurate and reliable, we do not claim or have responsibility for its completeness, accuracy, or reliability. Accordingly, such statements are inherently speculative as they are based on assumptions that may involve known and unknown risks and uncertainties. Actual results, performance or events may differ materially from those expressed or implied in such statements. Past performance is not indicative of future results.

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By Bob Barber, CWS®, CKA®

The only guarantee in the stock market is that it will have ups and downs. This is true in any market, not just the stock market. So what should you ask yourself when the markets are in a downward trend? Take a look through the following seven questions to help you weather the storm:

  1. Will I need everything in my diversified investment portfolio in the next 1 to 3 years to live on?
  2. Do I have enough funds that are NOT in stocks and equities to last me for the next 3 to 5 years to live on while waiting for the stock portion of my portfolio to recover? Note: A moderate portfolio has as much as 40% to 60% in fixed income, which allows the stock market portion of the portfolio to recover over time.
  3. Am I smart enough to perfectly time the market by getting out at the perfect time and getting back in at the perfect time? Note: just missing 3-5 days of positive market returns in a month can affect overall performance dramatically.
  4. Do I believe my well-diversified portfolio in things people use daily like technology, healthcare, medicine, utilities, gas, transportation, food, shelter, clothing, etc. will no longer be needed in the short term?
  5. Will I allow “short-term thinking” to get in the way of long-term success?
  6. When the markets are down should I look at it as a buying opportunity instead of a selling one?
  7. Do great investors like Warren Buffet go with the crowd and run away from the markets when they are correcting or buy stocks at lower prices?

If you’re already one of our clients, then we hope these questions help you process a downturn in the markets as our team is managing your assets according to our guiding principles.

If you’re not one of our clients, then contact our office today at (830) 609-6986 to get started with our active, forward-focused, faith-based investment management so that you don’t have to go it alone.[/vc_column_text][/vc_column_inner][/vc_row_inner][/vc_column][/vc_row]

These are the last three of the Ten Commandments. I find it interesting that they have so much to do with wealth and how God knew the nature of man is to covet the wealth of others and to steal, lie and cheat to get it.

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