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REVIEW YOUR FIXED-INCOME STRATEGY AS INTEREST RATES RISE

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Interest rates have been rising – and when that happens, bond prices usually fall. How should you respond?

If your bonds have declined in value and you sell them before they mature, you could lose some of your principal. But if you hold the bonds until maturity, you will receive the same regular interest payments, unless the bond issuer defaults. Purchasing investment- grade bonds can help reduce this risk.

You could also take advantage of higher interest rates by building a “bond ladder” containing short-, intermediate-, and long-term bonds. Because a ladder contains bonds with staggered maturity dates, some bonds will always be maturing and can be reinvested at higher rates. Of course, you’ll need to be sure that a bond ladder is appropriate for your investment objectives, risk tolerance, and financial circumstances.

In any case, bonds and bond-based mutual funds can help stabilize a stock-heavy portfolio that might otherwise be subject to wild swings in value.

You do need to be aware of rising interest rates – but don’t let them keep you from making bonds a valuable part of your investment strategy.

This article was written by Edward Jones for use by your local Edward Jones Financial Advisor.

If you put off your financial resolutions last year, make this year different. New Year, New Beginning.

MICHELLE DENOYER (815) 255-2395 Channahon

NATE ALBERT (815) 836-8089 Crest Hill

EDWARD J. DOLLINGER (815) 744-2127 Joliet

RONALD T. MOLO (815) 439-8221 Joliet

MARK E. KARNER (815) 744-2742 Joliet

SETH A. WORMLEY (815) 254-1735 Joliet

SETH COOPER (815) 725-5401 Joliet

NICHOLAS J. TYRELL (815) 744-2127 Joliet

TERRANCE B. SPIVEY (815) 744-2742 Joliet

RYAN M. SHARP (815) 838-6004 Lockport

NICHOLAS G. FRONTERA (815) 838-9084 Lockport

THOMAS R. CROSBY (815) 524-4568 Lockport

BEN SISK (815) 467-9632 Minooka

MATT SCHIMANSKI (815) 254-5448 Plainfield

MARY KAY HRDINA (815) 436-9696 Plainfield

PAUL A. KALAFUT (815) 744-8150 Shorewood

ADAM UNDERHILL (815) 630-4377 Shorewood

DEAN A. SHEPHERD (815) 476-6856 Wilmington