Optimizing yield amidst competing financial priorities.
The Johnsons, with a combined income of $450,000 and $2.1M in retirement accounts, faced the challenge of simultaneously funding three children's college educations and maintaining their retirement trajectory. Their existing portfolio, while diversified, lacked a targeted fixed-income strategy to maximize returns while mitigating risk, leaving potential college savings unrealized.
Using the Bond Current Yield Calculator, we identified a portfolio of corporate bonds with an average current yield of 4.5%, exceeding their previous bond holdings yielding 3.5%. This 1% increase translated into an estimated $12,000 in additional annual income from their $1.2 million fixed-income allocation, directly earmarked for college savings, without significantly altering their risk profile.
The Bond Current Yield Calculator allowed for quick comparison of various bond offerings, factoring in coupon rates and current market prices to determine the most advantageous investments. We used the Tax Equivalent Yield calculator to compare municipal and corporate bonds and the Credit Spread calculator to analyze the risk profile of their prospective bond portfolio.
$12,000 in increased annual income directed towards college savings, and a projected $180,000 cumulative increase in college funds over 15 years.
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