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Use select charts from the Guide to the Markets to engage in portfolio discussions.

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Diversified sources of income

With interest rates at historic lows, investors should think about diversifying both across asset classes and internationally to achieve higher income.

Economic Expansions and Recessions
Traditional sources of income have dried up and are riskier
 
  • The Fed has kept interest rates very low to stimulate the economy, resulting in historically low yields on cash instruments and traditional fixed income.
  • Only six years ago, the annual income generated by a $100,000 6-month CD was roughly $5,000, whereas today it is a small fraction of that, and well below the rate of inflation.
  • If interest rates rise, as is widely expected, bond holders could be negatively impacted.
Discussion Slides
Cash Accounts
Fixed Income Sector Returns
Yield Alternatives: Domestic and Global

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