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Customize a bond ladder and sample portfolio
Tools to add scale, simplicity, and precision to your bond portfolios.
Why are advisors thinking differently about their bond portfolios?
Quality bonds have become harder to find, making it increasingly difficult to navigate the fixed income market. With heightened regulatory pressure and fluctuating rate environments, advisors are looking to scale their practices while ensuring each portfolio is personalized to their clients’ needs.
Why BlackRock for fixed income?
As the largest fixed income asset manager2, BlackRock has direct access to bond issuers to make purchases at scale. This allows clients to potentially benefit from lower transaction costs and greater access to inventory.
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What is a bond ladder?
A bond ladder is an investment strategy that consists of holding securities with different maturities, and reinvesting the income from matured bonds into new bonds. Bond laddering is a popular strategy among investors seeking steady returns and income, particularly when interest rate conditions are uncertain.
How does a bond ladder work?
Ladders can be funded with cash or your client’s existing bonds in order to limit tax consequences and maintain the integrity of the portfolio.
As bonds mature at the bottom of the ladder, money is reinvested to a later maturity date, which typically offers higher yields.
Why Blackrock?
BlackRock offers bond ladders in multiple maturity ranges and can be customized to a client’s state preference*, giving them the flexibility to choose their desired exposure.
Customize your own bond portfolio?
Customize the base of your portfolio across fixed income type, investment horizon, and investment amount, as well as credit quality, state allocation, and duration.
The tool provides insight into portfolio characteristics, interest rate scenarios and exposure analysis.
Ready to leverage our bond expertise and customization capabilities to enhance your clients’ portfolios?
Contact us by calling 415-670-4200 or send us an email.
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© 2023 BlackRock, Inc. All rights reserved.
1BlackRock analysis sourced from Federal Reserve Board of Funds Accounts (Table L.212), as of 12/31/2021
2 Pensions & Investments 2022
*Portfolio minimums varies by state.
At $250,000 the following states are available for Intermediate Municipal Fixed Income and Short-term Municipal Fixed Income: CA, NJ, NY, TX. For Long-term Municipal Fixed Income: CA, NY, TX. At $250,000 the following states are available for Intermediate Municipal Fixed Income on a best-efforts basis: AL, AR, AZ, CO, CT, FL, GA, HI, IA, IL, IN, KS, KY, LA, MA, MD, MI, MN, MO, MS, MT, NC, NE, NM, NV, OH, OK, OR, PA, SC, TN, UT, VA, VT, WA, WI. For Long-term Municipal Fixed Income: NJ, PA, UT.
At $3,000,000 all other states are available on a best-efforts basis for the Intermediate Municipal Fixed Income strategy. Single-state municipal portfolios may include some out of state municipal securities and securities issued by U.S. territories (e.g., Puerto Rico). BlackRock will attempt to accommodate requests but cannot guarantee that it will be able to do so.
Investing involves risk, including possible loss of principal. Asset allocation and diversification may not protect against market risk, loss of principal or volatility of returns. Actual investment outcomes may vary. Stock and bond values fluctuate in price so the value of your investment can go down depending upon market conditions. Two significant risks related to fixed income investing are interest rate risk and credit risk. Typically, when interest rates rise, there is a corresponding decline in the market value of bonds. Credit risk refers to the possibility that the issuer of the bond will not be able to make principal and interest payments. There may be less information available on the financial condition of issuers of municipal securities than for public corporations. The market for municipal bonds may be less liquid than for taxable bonds. A portion of the income may be taxable. Some investors may be subject to Alternative Minimum Tax (AMT). Capital gains distributions, if any, are taxable. Municipal securities may not be suitable for all investors. There is no guarantee that these investment strategies will work under all market conditions or are suitable for all investors and each investor should evaluate their ability to invest long-term, especially during periods of downturn in the market. No representation is being made that any account, product, or strategy will or is likely to achieve profits. This material has been prepared for informational purposes only, and is not intended to provide, and should not be relied on for, accounting, legal or tax advice. You should consult your tax or legal advisor regarding such matters. This material is not intended to be relied upon as a forecast, research or investment advice, and is not a recommendation, offer or solicitation to buy or sell any securities or to adopt any investment strategy.
© 2023 BlackRock, Inc., or it's affiliates. All Rights Reserved. BLACKROCK, iSHARES and ALADDIN are trademarks of BlackRock, Inc. or its affiliates. All other trademarks are those of their respective owners.
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