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Casual Articles - Explore the Variety: Customize Your Fixed Income Allocation
Management or Leadership?Simply stated, management ensures that things get done, in accordance with accepted policies, based on the reality of a situation. It involves deciding the how, and the when and often the who. The who can be a cross-over factor in the initial stages. It is doing it right, creating process and systems and insuring efficiency. A manager manages both the process and records the efficiency of the individual’s performance within the process.Leadership revolves around concepts, ideas and effectiveness, e
Explore the Diverse Market
The large domestic market for individual bonds offers many choices, such as U.S. Treasury, inflation-protected, tax-advantaged municipal, mortgage-backed, preferred and corporate securities, but there is also an entire world of bonds beyond our borders. Foreign* countries and corporations may also issue bonds, many of which are denominated in foreign cu
Every successful project is built upon a foundation of planning.Here are seven tips that will make your next meeting a success.1) Involve key participants in preparing agendas for meetings that deal with complex or controversial issues. Your agenda will then have their approval because they helped create it.2) Set a policy of no surprises. Insist that people tell you about new information, discoveries, or events as soon as possible. This will help you avoid calling a meeting to work on issues that have been resolved or
Vary Maturities
Longer-term bonds usually offer higher yields, but are more sensitive to interest-rate fluctuations than similar coupon shorter-term issues. Some risk-averse investors purchase only short-term issues, settling for lower yield. Other investors choose longer-term bonds for higher return potential, taking on more market risk. Choosing a range of issues with staggered maturities, perhaps through a laddered portfolio, may help improve return potential and minimize interest rate risk.
Consider Quality
With some types of bonds such as U.S. Treasury securities, which are backed by the full faith and credit of the U.S government, the risk that the issuer may default on a payment of interest or principal is extremely low. However, modest yields often accompany this high degree of credit quality. If you seek higher yields by taking on a higher degree of risk through investing in issues of lesser credit quality, diversifying among different issuers may help reduce your total exposure in the event of any single issuer’s default.
What is your Tax Bracket?
Many investors who are in the higher (28- 35%) tax brackets gravitate towards municipal bonds primarily for one reason: tax-exempt income. Municipal bonds are considered second to Treasuries in terms of credit quality, which adds to their appeal. Income from municipal bonds may be subject to state and local taxes as well as the Alternative Minimum Tax (AMT). Call features may exist that may impact yield. If sold prior to maturity, investments in municipal securities are subject to gains/losses based on the level of interest rates, market conditions and credit quality of the issuer. Morgan Stanley does not provide tax advice. Talk to your financial advisor to see if municipal bonds may benefit you.
Explore the Diverse Market
The large domestic market for individual bonds offers many choices, such as U.S. Treasury, inflation-protected, tax-advantaged municipal, mortgage-backed, preferred and corporate securities, but there is also an entire world of bonds beyond our borders. Foreign* countries and corporations may also issue bonds, many of which are denominated in foreign cu
A job is like a wife you need to really love it to benefit from it. People work to earn a living but often after a while it takes great effort to get to work and what is more the work is done in a lackadaisical way. On the other hand when a person has the perfect job then he looks forward to each day and enjoys the many hours e spends at work. When this happens both the employer and employee benefit and the work environment becomes conducive.To find a perfect job you need to know what you are suited for. Find out what kind of person
Consider Quality
With some types of bonds such as U.S. Treasury securities, which are backed by the full faith and credit of the U.S government, the risk that the issuer may default on a payment of interest or principal is extremely low. However, modest yields often accompany this high degree of credit quality. If you seek higher yields by taking on a higher degree of risk through investing in issues of lesser credit quality, diversifying among different issuers may help reduce your total exposure in the event of any single issuer’s default.
What is your Tax Bracket?
Many investors who are in the higher (28- 35%) tax brackets gravitate towards municipal bonds primarily for one reason: tax-exempt income. Municipal bonds are considered second to Treasuries in terms of credit quality, which adds to their appeal. Income from municipal bonds may be subject to state and local taxes as well as the Alternative Minimum Tax (AMT). Call features may exist that may impact yield. If sold prior to maturity, investments in municipal securities are subject to gains/losses based on the level of interest rates, market conditions and credit quality of the issuer. Morgan Stanley does not provide tax advice. Talk to your financial advisor to see if municipal bonds may benefit you.
Explore the Diverse Market
The large domestic market for individual bonds offers many choices, such as U.S. Treasury, inflation-protected, tax-advantaged municipal, mortgage-backed, preferred and corporate securities, but there is also an entire world of bonds beyond our borders. Foreign* countries and corporations may also issue bonds, many of which are denominated in foreign cu
In a world full of complications sometimes we overlook the simple things in life. We are so busy trying to work out our twisted problems that we miss out on the simple secrets to success. The same can be said of our businesses. We get caught up in endless problems when all we really need to do is to step back and see the simple alternatives, that will lead us to success. Sometimes we need to think with the simplicity of a child.Not so long ago, Summer holidays (vacation) in the USA meant the rebirth of the Lemonade Empire. Enterprisi
What is your Tax Bracket?
Many investors who are in the higher (28- 35%) tax brackets gravitate towards municipal bonds primarily for one reason: tax-exempt income. Municipal bonds are considered second to Treasuries in terms of credit quality, which adds to their appeal. Income from municipal bonds may be subject to state and local taxes as well as the Alternative Minimum Tax (AMT). Call features may exist that may impact yield. If sold prior to maturity, investments in municipal securities are subject to gains/losses based on the level of interest rates, market conditions and credit quality of the issuer. Morgan Stanley does not provide tax advice. Talk to your financial advisor to see if municipal bonds may benefit you.
Explore the Diverse Market
The large domestic market for individual bonds offers many choices, such as U.S. Treasury, inflation-protected, tax-advantaged municipal, mortgage-backed, preferred and corporate securities, but there is also an entire world of bonds beyond our borders. Foreign* countries and corporations may also issue bonds, many of which are denominated in foreign cu
Bankruptcy can be devastating to most people when they find themselves with no other alternative to get out of debt. However, it is not the end of the world and millions have used this to get out from under the stress that being in debt brings. This strategy can help you pay back some of what is owed without the stress that you’ve been under from bills. When you’re paying out more than the income that’s coming into your home then this may be the only alternative you have left. The reasons for doing this are many and can result from such thi
Explore the Diverse Market
The large domestic market for individual bonds offers many choices, such as U.S. Treasury, inflation-protected, tax-advantaged municipal, mortgage-backed, preferred and corporate securities, but there is also an entire world of bonds beyond our borders. Foreign* countries and corporations may also issue bonds, many of which are denominated in foreign cu
Some small businesses believe that business is only about making money—the sale is all that matters. Making money and sales are important—no money, no business—however; the relationships you build with your customers influence future sales. And it's a fact that a second sale from an existing customer costs less to achieve than a first time sale to a new customer. The relationships your small business forges are essential for future growth.I Know Relationships Are Important, So What?Every time you communicate with your c
Explore the Diverse Market
The large domestic market for individual bonds offers many choices, such as U.S. Treasury, inflation-protected, tax-advantaged municipal, mortgage-backed, preferred and corporate securities, but there is also an entire world of bonds beyond our borders. Foreign* countries and corporations may also issue bonds, many of which are denominated in foreign currencies, while others are denominated in U.S. Dollars.
For More Information
Which bonds make sense for you? Contact us, and we can help you develop a well-diversified bond portfolio based on your needs, risk tolerance and objectives. Please call (866) 651-8625.
*Investments in foreign securities involve risks associated with interest-rate and currency-exchange-rate changes as well as by market, economic, and political conditions of the countries where investments are made. There may be greater returns but also greater risks than with U.S. investments.
This material has been prepared for informational purposes only and is not an offer to buy or sell or a solicitation of any offer to buy or sell any security or other financial instrument, or to participate in any trading strategy. The securities/instruments discussed in this material may not be suitable for all investors. Any particular investment should be analyzed based on its terms and risks as they relate to your specific circumstances and objectives. This is not a research report and was not prepared by the Morgan Stanley research department. It was prepared by Morgan Stanley sales, trading or other non-research personnel. Morgan Stanley makes no representation or warranty with respect to the accuracy or completeness of this material. Morgan Stanley does not render advice on tax or tax-accounting matters. This material was not intended or written to be used, and it cannot be used by any taxpayer, for the purpose of avoiding penalties that may be imposed on the taxpayer under U.S. federal tax laws. Clients should consult with their tax advisors before making any tax-related investment decisions.
Investments and services are provided by Morgan Stanley DW Inc., member SIPC.
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