Page 10 - The Sunday Sun - June 12, 2011
CMYK
As an investor, you may find that bonds can be a valuable part of your holdings. But there’s more than one way to own bonds, so you’ll
want to be familiar with the various investment vehicles available — because the more you know, the better the choices you’ll be able to
make. So, let’s look at three popular ways of owning bonds: • Individual bonds — When you buy an individual
bond, you will receive predictable interest payments. And when your bond matures, you’ll get the original principal back, unless the
Brown County Chamber of Commerce 18th Annual Golf Outing Friday, June 17th, 2011 at Friendly Meadows Golf Course Scramble Format Registration @ 8 a.m. Shotgun Start @ 9 a.m. Lunch Provided CASH PRIZES FOR 1ST, 2ND, & 3RD PLACE
B R O A D S H E E T
$10,000 Hole in ONE Contest Prizes for Longest Drive, Closest to the Pin, Skins Game Door Prizes
Individual Golf & Dinner, $87.50 per person Foursome Golf & Dinner @ $350
Your sponsorship & participation are investments in your business, as well as in the Chamber. Sponsorship opportunities are still available. Event Sponsor, Lunch Sponsor, Beverage Cart Sponsor, Driving Range Sponsor & Hole Sponsor or donate a prize for the raffle.
issuer defaults, which is not common in cases of “investment grade” bonds. However, the value of your bond — the price you could get for it if you sold it on the open market before it matured — will fluctuate over time, primarily in response to interest rates. (When market rates go up, the value of your bond drops, and vice versa.) In general, you’ll pay at least $5,000 for an individual bond, though that amount may vary. Consequently, while this approach gives you more control, it can be more time consuming and require a larger investment in order to build a diverse fixed-income portfolio. • Bond funds — By investing in a bond-based mutual fund, which may own dozens of different types of bonds, you can efficiently increase your diversification, which is important, because diversification can help reduce credit risk (although it can’t guarantee a profit or protect against a loss). A bond fund does not pay you a fixed rate of return; instead, you receive dividends, which will fluctuate based on the underlying bonds’ interest rates and capital appreciation. In addition, bond funds don't have a maturity date when principal is repaid. Keep in mind that when you purchase bond funds, you could be subject to capital gains taxes in two different ways: if you sell your fund shares for a profit or if the fund manager sells an underlying bond for more than it’s worth. This increased capital gains liability is one reason that many people put bond
funds in a tax-deferred vehicle, such as an IRA or a 401(k). • Bond UITs — A unit investment trust (UIT), like a mutual fund, contains a variety of bonds, so you get the benefit of diversification. Unlike a mutual fund, however, a UIT is not actively managed and does not change its holdings. And since no manager is involved in making changes or trades, a UIT has low management fees. A UIT is typically established for 20 to 30 years, but, as an individual investor, you can sell your shares whenever you want, for whatever the market will bear. Although UITs can be some of the most cost-efficient, low-risk options in the fixed-income arena, they are not without risk. Specifically, since a UIT’s bonds provide fixed interest rates, there’s always the possibility that the bonds will lose purchasing power to inflation over time. When choosing how to own bonds, you’ll need to evaluate many factors — and we’ve only looked at some of them. You may want to consult with a financial advisor to determine which methods of bond ownership are appropriate for your needs. By doing your homework, and getting the help you need, you can maximize the advantages of adding bonds to your investment mix.
CMYK
Explore different options when purchasing bonds
Article submitted by S. Christian Wilks, an Investment Representative with Edward Jones, Milford.
RESERVE YOUR FOURSOME TODAY. LIMITED NUMBER OF TEAMS AVAILABLE AND SPOTS ARE FILLING FAST!!!
Get the most for your advertising dollar in Sungroup newspapers
For information on registering a team, becoming a sponsor, or to donate a Raffle Prize, Call: 937-378-4784 or email: brchcom@yahoo.com
Call an advertising representative at (513) 732-2511 for more information
‘02 Ford F-150 XLT
‘02 Chevy Impala LS
‘03 Ford F-150 Sport
Leather, Carriage Top
4.6L V8, Bedliner One Owner
Leather, V6, Low Miles
Trailor Pkg, Auto, V6
$
$
NEW ARRIVALS!
$
2,932
$
‘04 Ford F-150 XLT
‘05 Jeep Grand Cherokee
‘05 Pontiac Sunfire SE
4x4, Bedliner, Tow Pkg.
4x4, PW, PL, 70k
Auto, A/C Gas Saver
PW, PL, Cruise
$
318 per mo.*
$
4 Cyl., PW, PL, New Tires
279 per mo.*
‘05 Dodge Ram 1500 SLT 4x4, PW, PL, Tow Pkg.
114 per mo.*
244 per mo.*
$
‘07 Jeep Commander
‘08 Chevy Uplander
‘08 Chrysler Town & Country LX
4x4, 3rd Row Seats
V6, 7 Pass, CD, Pwr. Wind/Lock, Cruise
$
$
15,932
$
279 per mo.*
12,832
18,932
$
339 per mo.*
Stow-N-Go
$
$
$
224 per mo.*
$
14,932
$
263 per mo.*
‘08 Ford Escape
‘08 Chevy Impala LS
‘09 Chevy HHR LS
‘10 Chevy Cobalt
SE, PW, PL
4x4, XLT
PW, PL, Remote Start
Auto, PW, PL, Cruise
PW, PL, Keyless Entry
10,932
189 per mo.*
299 per mo.*
6,932
$
‘00 Ford Taurus
$
$
13,932
16,932
4,932
MANAGER’S SPECIALS!! PRICE REDUCED!!
‘06 Ford Fusion SE
$
$
$
$
‘01 Ford Windstar SE
8,932
4x4, Spray Bedliner, Trailor Pkg.
15,932
‘08 Ford Fusion SE
7,932
‘04 Chevy Silverado Z71 $
Sunroof, Low Miles, $17,932
9,932
$
15,932
$
2,532
$
279 per mo.*
245 per mo.*
14,532
13,932
13,932
$
$
$
$
$
244 per mo.*
$
255 per mo.*
*Payments based on 60 mo. @ 4.45% APR. Customer responsible for $1000.00 cash down or trade equity, plus all doc., registration & title fees and applicable tax. Approved Credit required.
100% CREDIT APPROVED is OUR GOAL!
Browse Our Used Inventory 24/7 at www.32automotive.com
HOURS SAT. 10 - 5 MON. 9 - 7 TUES.-FRI. 9-6
32 AUTOMOTIVE SERVICE
Only 5 Minutes off I-275 & Eastgate Mall on Route 32, Batavia
★ Top Talented Technicians ★ Af fordable Quality
Toll Free 1-866-912-3232 • 513-732-2124
32 AUTOMOTIVE is committed to “FIX IT RIGHT” Call 513-732-2125 M-F 7:30 - 5:30 WHY HASSLE WITH CRAIGSLIST!! ENDLESS PHONE CALLS WITH INDIVIDUALS WANTING TO TEST DRIVE YOUR CAR!!! PUT A STOP TO THE NONSENSE!!
WE BUY CARS!! COME SEE US TODAY AND EXPERIENCE OUR NO FUSS PROFESSIONAL AND PROFITABLE EXPERIENCE!!
32automotive.com • 32automotive.com • 32automotive.com • 32automotive.com • 32automotive.com • 32automotive.com • 32automotive.com
CMYK
CMYK
‘02 Mercury Grand Marquis GS
• 32automotive.com • 32automotive.com • 32automotive.com • 32automotive.com • 32automotive.com • 32automotive.com
E v E n
• 32automotive.com • 32automotive.com • 32automotive.com • 32automotive.com • 32automotive.com • 32automotive.com
32automotive.com • 32automotive.com • 32automotive.com • 32automotive.com • 32automotive.com • 32automotive.com • 32automotive.com