Our most recent Fixed-Income3.com bond portfolio additions and reviews
FX3 | Fixed Income3.com Is A High Yielding, Foreign Currency Short Term, Low Cost Managed Income Portfolio. Designed to earn you both a higher fixed income and return your money back !
Fixed-Income 3 | FX3 is a Foreign-currency investment utilizing separate segregated accounts, if your looking for US dollar only please review:
FX1| Fixed-Income1.com and
If your looking for just some currency exposure please review:
FX2 | Fixed-Income2.com options.
Why Fixed-Income3.com :
It’s simple: You worked hard to earn your money, it’s time your income worked as hard as you did, to support you !
FX3 | Portfolios providing the following chartists:
- High 8-8.5% yields
- Foreign currency
- Short 3.75 Year Average Laddered Maturities
- Return Of Principle is Important
- Increase Your Standard of Living, High Cash Flow from Principle 8- 8.5%
- Higher Institutional yields, and Wide Diversified Portfolio’s
- Low 0.50 % advisory Fees, Manged by Durig Capital
- Highest levels of Fiduciary Service
- Internal research, see our opinions
- Cash flow from superior global bond placement, not trading
- Global coverage
- Economy – tough times
Our most recent Fixed-Income3.com bond portfolio additions and reviews
Year-In-Review: November 1, 2013 to October 31, 2014
Presented below is a summary of the 30 bond reviews and recommendations that we have given to our clients over the past twelve months, from the end of October, 2013 through the start of November, 2014. Twenty three of these global corporate debt instruments were Yankee Bonds (foreign corporation debt denominated in US dollars), and seven were issued in other currencies, including, Canadian dollars, Australian dollars, Brazilian reals, and British Pound Sterling.
Each summary that follows lists the issuer, coupon rate, maturity, credit rating, the yields at the time of acquisition, the portfolio (FX1, FX2, or FX3) each was added to, as well as a brief update of the issuer. Many of the companies hold dominant positions within their respective countries. It is not uncommon, however, to find credit ratings that are constrained by a national sovereign credit rating.
· 23 US dollar debt additions, with average indications of 9.84%*, made to FX1.
· 30 mixed currency debt additions, averaging 9.63%*, were made to FX2.
· 7 foreign currency debt additions, averaging 8.96%*, were made to FX3.
Presented below is a summary of the 26 bond recommendations that we have made to our clients over the last 12 months, from June 2013 through May 2014. The yields shown below are when these securities were added to our FX1,FX2, and/or FX3 Fixed Income portfolios, and they average 9.81%.
Nineteen of these global corporate debt instruments were Yankee bonds (foreign corporation debt denominated in US dollars), with nine in other currencies, including Canadian dollars, Swedish krona, Brazilian real, and Russian rubles.
Each summary that follows lists the issuer, coupon rate, maturity, credit rating, the yields obtained at the time of acquisition, the portfolio (FX1, F2, or FX3) each was added to, as well as the business sector and a brief recap of the reason for its selection. Many of the companies hold prominent or even dominant positions within their respective countries. It is not uncommon, however, to find credit ratings that are constrained by a national sovereign credit rating.
- 19 US dollar debt additions, averaging 10.25% yield, were made to FX1.
- 26 mixed currency debt additions, averaging 9.81% yield, were made to FX2.
- 7 foreign currency debt additions, averaging 8.61% yield, were made to FX3.
The bonds in the portfolios have an average outstanding maturity of under 40 months (3 years, 4 months) at an overall indicated average net yield of 9.81%.
FX3 | Fixed-Income3.com targets a 8-8.5 % yield with our 3+ average maturity that is far better than the current 0.91% that the three year government bonds are currently paying. That works out to be about an 800% increase of income.
Based on the above treasury yield, if you have a $ 1, 000,000 portfolio in US government bonds for three years your yearly income would be $9,100 dollar. Or only $758.33 dollars per month, hardly fitting a millionaire life style.
With our midpoint 8.25% yield with a similar maturities, using the same $ 1,000,000 portfolio, your yearly income could be $82,500. Or $ 6,875.00 dollars per month. Thus a higher income yield can greatly increase your standard of living, in this case over 800%.
It’s simple: You worked hard to earn your money, it’s time your income worked as hard to support you ! Continue reading
FX3 | Fixed-Income3.com is able to access the often much higher yielding global institution bonds, maybe because of our outstanding reputation or high internet presence, because we receive many major US and World bond firms contact us wanting our business. It puts us in the enviable position of picking who we think provides the better value service for our clients. Thus we are able to shop the globe seeing much higher yielding bonds from a wide variety of counties, industries and services, where most of our bonds we provide to clients they can’t find these on their own. Thus we shop the world to find our clients better bonds. Continue reading
The FX3 | Fixed-Income3.com portfolio targets 100% in foreign currencies, it designed as a high yielding bond portfolio to have high level of diversity away from the dollar.
Remember foreign currencies might and will increase volatility to this portfolio even though the added diversity could reduce your overall portfolio risks. Again, we have an unblemished record in returning principle, a high yield, short maturities, with a very low fee, so our clients can continue to achieve their goals of higher cash flow while limited their exposure to the US Dollar. Continue reading
FX3 | Fixed-Income3.com portfolio is designed to protect our clients against inflation, with a focus on short maturity certain bonds.
Historically interest rates move in 30 year cycles, thus interest rates have been falling for about 30 years until the 4th quarter 2012, not only did interest rates decline for about 30 years, we beleive they hit almost zero, a artificially very low level. This artificial low level was caused by the Federal Reserve to keep short term interest rates at about zero while at the same time pumping large amounts of new money into the system to stimulate the US economy.
We have learned though history that this kind of activity, repeated over a long period of time, could and will have negative long term effects, for example this man made effect effect often creates a similar duration and magnitude opposite swing. Just like a clock pendulum, thus is you move a clock pendulum to the left many degrees and then let go it will come close to the same movement past center to the right before it begins to find a equilibrium, in finance this is called Regression to the means. So if interest rates are artificiality low with a large pumping of new money for now over 5 years, it is our belief at some point this could cause an opposite effect proving a equally overly high level of interest rates, for about the same five year period. Either way we believe interest rate over the foreseeable future will be tending up and the best way to deal with this is the keep your maturities very short and certain and your bond coupons high. Continue reading
At FX3 | Fixed-Income3.com we are a fiduciary service firm and very proud of it !
We put our clients interest first. Our service is excellent, we are honest and hard working blue collar type workers, that will explain to you the risk and rewards, we beleive that the financial world will be tough, that their will be many economic challenges ahead, we not only beleive it, we are working hard on our plans to better position our clients they could better evade most if not all of these future issues. We are only paid by our clients and take zero on soft dollars, kickbacks, or trading fees. It is as important for us to structure a company that is fundamentally right for our clients on fees, it is just as import to provide an fiduciary selection and investment model for our clients our clients.
To take to the next step, the companies we own, vendors that services us, and employees we work with are all under a fiduciary model. We work hard to run all aspects of our business in a fiduciary role.
At FX3 | Fixed-Iincome3.com after meeting with a future client, we realized he was charge a 1.5 % fee, to have his money managed, the advisory/broker put our new client in many income mutual funds, each with about a 1% fee.
Thus our clients fees were over 2.5% before trading and other hidden costs, and these fees exceeded his returns in this low income environment, what was just plainly wrong was the the manager and mutual funds were making good returns, while taking no risks and our future clients was making less money than his fees were charging cause him to loose money and take all the risk.
To make matters worse this was money for the clients future retirement.
Our fees of 0.50% are in this case only 1/5 or 20% of the cost what he was charge, our income generation has greatly surpassed what he was getting, and he claims we give him far superior service.
To summarize: The income form his portfolio is over 3 times higher, his fees/costs dropped 80%, and he is making about 8% net off his retirement account instead of loosing, plus he is getting better service.
Our fees are almost always below most advisory fees, and especially consider we give one to one personal fiduciary services.
The FX3 | Fixed-Income3.com portfolio is designed with low fees to give you a higher return. We are able to keep fees very low with a high degree of service, first we do this by limiting our overhead. We have an large footprint internet business with one central low cost location / a building in-which we own. We disliked the high rent offices, one in every city, knowing you would eventual would have to pay for it. We utilize the internet to provide a higher level of transparency, we’re immediate available on Skype, we charge a very low fee and we know of no firms that could provide such a high degree of specialized income service, that we provide.