tag:blogger.com,1999:blog-6727079944128243283.post2992592692274127737..comments2018-08-14T12:40:43.852-04:00Comments on The Educator's Retirement: Investment Options for 2011Robert (Robby) E. Schultz III, CFP®, ChFC®, CPWA®http://www.blogger.com/profile/03231465764747676907noreply@blogger.comBlogger2125tag:blogger.com,1999:blog-6727079944128243283.post-58191914790667197462011-01-31T11:51:52.701-05:002011-01-31T11:51:52.701-05:00Thanks for reading the blog and for your comment/q...Thanks for reading the blog and for your comment/question.<br /><br />I agree that the low CD rates are indeed hurting some people, but unfortunately, no one ever said it would be easy. It used to be that money markets and CDs were easy money, but that is not the case anymore.<br /><br />Most blue chips do have a dividend with a decent yield, but there is not much "security" because the underlying stock could fall. Blue chips "should" do well, but the lack of security is an issue.<br /><br />Most of the bond funds that deal with high yield bonds will have a fairly good yield. For example, Pimco High Yield (7.62%), Janus High Yield (7.45%), and Fidelity High Income (7.18%) all have good yields (and are no-load), but there is a bit of risk there too. The risk they face is a default risk, but if the economy continues to grow, the default risk for each should continue to fall.<br /><br />Once again, a good financial adviser should be able to point you to some other options than just CDs or even the fixed rate annuities after reviewing your personal situation.<br /><br />Thanks again for your question.Robert (Robby) E. Schultz III, CFP®, ChFC®, CPWA®https://www.blogger.com/profile/03231465764747676907noreply@blogger.comtag:blogger.com,1999:blog-6727079944128243283.post-621089478668334642011-01-31T11:24:20.942-05:002011-01-31T11:24:20.942-05:00While I think I agree with you, the low CD rates a...While I think I agree with you, the low CD rates are really hurting some people - especially those who need some security in their investing. Bonds don't seem to be much better. Is there a particular sector of the market you might consider less dangerous than others - how about blue chips?Looking for the Best CD Rateshttps://www.aurorabankfsb.com/consumer/banking/cdsnoreply@blogger.com