Bond ladders can offer a predictable flow of income at a predetermined rate of return.
At Merrill Lynch, your financial advisor and a team of Fixed Income Product Specialists can provide:
Reliable income during retirement
A bond ladder is a portfolio invested equally in bonds maturing periodically, usually every year or every other year. As bonds mature, the money is reinvested on the long-end to maintain the maturity structure.
Bond ladders are subject to market risk and are not guaranteed. They do not offer downside protection. A prolonged decline in the bond market can result in a decline in price. Investing in fixed-income securities may involve certain risks, including the credit quality of individual issuers, possible prepayments, market or economic developments and yields and share price fluctuations due to changes in interest rates. When interest rates go up, bond prices typically drop, and vice versa.
Investing in securities involves risks, and there is always the potential of losing money when you invest in securities.
Neither Merrill Lynch nor any of its affiliates or financial advisors provide legal, tax or accounting advice. You should consult your legal and/or tax advisors before making any financial decisions.
Asset allocation, diversification and rebalancing do not ensure a profit or protect against loss in declining markets.
Investment products, insurance and annuity products:
|Are Not FDIC Insured||Are Not Bank Guaranteed||May Lose Value|
|Are Not Deposits||Are Not Insured by Any Federal Government Agency||Are Not a Condition to Any Banking Service or Activity|
Merrill Lynch makes available products and services offered by Merrill Lynch, Pierce, Fenner & Smith, Incorporated (MLPF&S), a registered broker-dealer and Member Securities Investor Protection Corporation (SIPC), and other subsidiaries of Bank of America Corporation. Insurance and annuity products are offered through Merrill Lynch Life Agency Inc., a licensed insurance agency and wholly owned subsidiary of Bank of America Corporation.
Merrill Lynch is the marketing name for Merrill Lynch Wealth Management, and Merrill Edge®, both of which are made available through Merrill Lynch, Pierce, Fenner & Smith Incorporated (“MLPF&S”). Merrill Edge is available through Merrill Lynch, Pierce, Fenner & Smith Incorporated (MLPF&S), and consists of the Merrill Edge Advisory Center (investment guidance) and self-directed online investing.
Trust and fiduciary services are provided by U.S. Trust, a division of Bank of America, N.A., Member FDIC, or U.S. Trust Company of Delaware. Both are wholly owned subsidiaries of Bank of America Corporation.
Banking products are provided by Bank of America, N.A. and affiliated banks, Members FDIC and wholly owned subsidiaries of Bank of America Corporation.
MLPF&S and U.S. Trust make available investment products sponsored, managed, distributed or provided by companies that are affiliates of Bank of America Corporation or in which Bank of America Corporation has a substantial economic interest.
Then we can provide you with relevant answers.Get started
You can click the "Return to Merrill Lynch" button now to return to the previous page, or you can close the new window after you leave.