Optimizing fixed income for college and retirement.
The Johnsons, earning $450,000 annually with $2.1 million in retirement savings, were concerned about funding three children's college education while maintaining their retirement goals. Their existing bond portfolio felt stagnant, and they suspected they weren't maximizing their returns given their risk tolerance.
Using the Bond YTM Calculator, we analyzed their current bond holdings and potential alternative investments. We identified bonds with higher yields that aligned with their risk profile. By strategically reallocating a portion of their bond portfolio, we projected an increase in annual yield of 0.85%, resulting in an estimated $18,000 increase in annual income from their bond holdings.
The Bond YTM Calculator allowed us to quickly compare different bond options by inputting details such as coupon rate, current market price, and maturity date. This data, combined with credit spread analysis, allowed for targeted portfolio adjustments.
$18,000 in increased annual bond income.
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