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Abraham Kevin Spann, CLTC, FLMI
Personal Financial Representative
Abraham Kevin Spann & Sons Agency
64-77 Dry Harbor Road
Middle Village, NY 11379
Bus: 718-381-1400
Cell: 347-837-7095
Fax: 347-824-2394
Email: kevinspann@allstate.com
Website: agents.allstate.com/abraham-kevin-spann-middle-village-ny
Suzanne H. Nitzberg, CFP®
Personal Financial Representative
Investment Advisory Representative
Investors nearing retirement typically move more funds into income-generating vehicles like bonds. This asset class encompasses a few different types of investments. Here's a look at some of them:
When yields rise like they have with inflation, its increasingly likely that selling before maturity would net you less than the guarantee because prevailing higher yields are more attractive.
Bonds are ranked by ratings companies, and negative factors like these can lower the ratings of companies that issue bonds. When this occurs, companies typically must pay a higher interest rate on newly issued bonds. This means more risk, but potentially more reward. If you're worried about risk, look for corporate debt that is secured, which collateralizes the debt.
*Prices of fixed income securities may fluctuate due to interest rate changes. Investors may lose money if bonds are sold before maturity. You should consider the securities' investment objectives, charges, expenses, and risks carefully before you invest. The securities' prospectus, which can be obtained by calling your financial representative, contains this and other information about the fund. Read the prospectus carefully before you invest or send money.
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Securities offered by Personal Financial Representatives through Allstate Financial Services, LLC (LSA Securities in LA and PA). Registered Broker-Dealer. Member FINRA, SIPC. Main Office: 151 N 8th Street, Suite 450, Lincoln, NE 68508. (877) 525-5727.
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