Unlocking value in widow's inherited fixed income.
Eleanor's portfolio included a mix of individual bonds and bond funds within her taxable accounts. She was unsure if she was maximizing the income potential from these fixed income investments and whether the coupon rates aligned with her risk tolerance and income needs. With changing market conditions, Eleanor worried if her current bond holdings were truly performing optimally for her age and stage of life.
Using the Coupon Rate Calculator, we analyzed Eleanor's existing bond holdings. We identified several bonds with lower-than-market coupon rates for similar risk profiles. By reallocating $200,000 from these underperforming bonds to alternative bonds with higher coupon rates, we increased her annual income by approximately $12,000, while maintaining a similar risk exposure. The Tax Equivalent Yield Calculator then helped us identify tax-advantaged bonds that further improved her after-tax income.
We used the Coupon Rate Calculator to determine the current yield and coupon rate for each bond in Eleanor's portfolio. We then compared these rates to similar bonds in the market based on credit rating and maturity date, identifying opportunities for higher income generation.
$12,000 annual income increase and improved after-tax returns.
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