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Investment bonds at your life stages

Here's a quick guide to investing at different life stages. For more details click here!

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Investment bonds at your life stages

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  1. Investment Bonds at your life stages AK Capital

  2. Investment Bonds at your life stages

  3. Details ▪ Overview ▪ Starting Out(20s and 30s) ▪ In the Middle(30s and 40s) ▪ Nearing Retirement(50s and 60s) ▪ Retirement(60+)

  4. Overview • Its a common misconception that bonds are only for very old or conservative investors or very young(savings bond for kinds). In fact, bonds are important component of a strategically balanced portfolio at every stage of investor’s life. • Following points may just change your perception on bond investments: ➢ Provide investment stability to help buffer against volatility in stock market ➢ Pay a steady stream of income sometimes tax-free income ➢ Provide high rates of return to grow your capital ➢ Play different roles at different stages of your life to achieve your financial goals

  5. Starting Out(20s and 30s) At the beginning of your career you may have a hard time imagining your life in 15,20 years from now. You are more concerned about paying bills and saving money toward big-ticket item such as a car, a wedding, a house. Investment Goal: Maximum Capital Investment Horizon: Very Long(15 years) Risk Tolerance: High Following are some strategies that can help you in 20s & 30s • Grow capital through high yielding bonds • Preserve your savings for a big future purchase. • Supplement your income • Develop discipline with rupee-cost averaging.

  6. In the Middle(30s and 40s) The middle years – mid030s to 40s are crucial to accumulating and wisely toward your retirement and long term financial goals. Even if you didn't or couldn’t start saving and investing earlier you need to begun making up for lost time. Investment Goal: Capital Growth Investment Horizon: Long(10-15 years) Risk Tolerance: Moderate Following are some strategies at this stage: • Zero coupon bonds for specific goals • Tax-advantaged bond investing • Increasing your allocation to bonds

  7. Nearing Retirement(50s and 60s) As retirement approaches, your investment horizon shrinks. You want to more aggressively protect your assets from the stock market's volatility. Many advisors suggest that people at this point begin increasing the bond portion of their portfolio to 50% or more to lower their overall investment risk. Investment Goal: Conserve Capital Investment Horizon: Moderate(5 to 10 years) Risk Tolerance: Low Discipline of saving and investing is creating a solid portfolio that enables you forward to financial freedom in your retirement. Factors to consider when evaluating for your portfolio • • • Bonds or Bonds? Managing interest rate risk Tax-advantage bond investing

  8. Retirement(60+) During retirement your main investment focus is your financial goal. Investment Goal: Preserve Capital Investment Horizon: Short(Immediate access to funds) Risk Tolerance: Very Low Factors to keep in mind when thinking about bonds • Maximizing your lifetime income • Guarding against inflation • Leaving a legacy • Spend from taxable income first

  9. • Visit our website for more details http://www.akgroup.co.in/ Thank You!!

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