Portfolio Construction Insights

Balancing Your Income and Stability Needs

How do you meet your client’s income needs in a low interest rate environment? How do you balance those needs with the appropriate level of stability and protection offered by fixed income strategies? Be as prepared as possible with resources like A Fixed Income Balancing Act – the latest Portfolio Construction Insight based on aggregate allocation data sourced from advisors across the nation.

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Core vs Plus Fixed Income: Core and Plus are terms used in the investments industry to describe two types of fixed income investment strategies. Core generally refers to fixed income investment strategies that focus on investment grade corporate and government bonds. A Plus strategy adds additional fixed income sectors like high-yield bonds, emerging market bonds, and floating rate bank loans in an attempt to improve income or return potential in exchange for a higher risk profile.

This material being furnished for general informational purposes only. The material does not constitute or undertake to give advice of any nature, including fiduciary investment advice, and prospective investors are recommended to seek independent legal, financial and tax advice before making any investment decision. Past performance is not a reliable indicator of future performance. The value of an investment and any income from it can go down as well as up. Investors may get back less than the amount invested.

The material does not constitute a distribution, an offer, an invitation, a personal or general recommendation or solicitation to sell or buy any securities in any jurisdiction or to conduct any particular investment activity.

Risks: Investing involves risk including loss of principal. Diversification neither assures a profit nor eliminates the risk of experiencing investment losses. Fixed income securities are subject to credit risk, inflation, liquidity risk, call risk, and interest rate risk. As interest rates rise, bond prices generally fall. Investments in high yield (junk) bonds involve greater risk of price volatility, illiquidity, and default than higher-rated debt securities. Bank loans are subject to credit risk and liquidity risk. Emerging market investments can be riskier than U.S. investments due to the adverse effects of currency exchange rates, differences in market structure and liquidity, as well as specific country, regional, and economic developments.

T. Rowe Price Investment Services, Inc., distributor.

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