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 income. 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|
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