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Colorado Wealth Management - Are You Worried About Your Bonds?

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Are you worried about your bonds? There are some pros and cons to consider when you look at bonds. And it helps to compare them to annuities. Check out this article we appear in, and get a quick overview. And when you are ready to speak, contact us!


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Securities offered through Lion Street Financial, LLC. (LSF), member FINRA and SIPC. Investment Advisory Services offered through Lion Street Advisors, LLC. LSF is not affiliated with Impact Wealth. Investing involves risk and possible loss. Annuity guarantees provided are based on the financial strength and claims paying ability of the issuing company. Fixed annuities are long term insurance contacts and there is a surrender charge imposed generally during the first 5 to 7 years that you own the annuity contract. Withdrawals prior to age 59-1/2 may result in a 10% IRS tax penalty, in addition to any ordinary income tax. Indexed annuities are insurance contracts that, depending on the contract, may offer a guaranteed annual interest rate and some participation growth, if any, of a stock market index. Such contracts have substantial variation in terms, costs of guarantees and features and may cap participation or returns in significant ways. Surrender charges apply if not held to the end of the term. Withdrawals are taxed as ordinary income and, if taken prior to 59 ½, a 10% federal tax penalty.  Investors are cautioned to carefully review an indexed annuity for its features, costs, risks, and how the variables are calculated. Investing in the bond market is subject to risks, including market, interest rate, issuer, credit, call risk, inflation risk, and liquidity risk. The value of most bonds and bond strategies are impacted by changes in interest rates. Bonds and bond strategies with longer durations tend to be more sensitive and volatile than those with shorter durations; bond prices generally fall as interest rates rise, and low interest rate environments increase this risk. Reductions in bond counterparty capacity may contribute to decreased market liquidity and increased price volatility. Bond investments may be worth more or less than the original cost when redeemed.