Is the sun rising or setting on your financial security?

Rollercoaster Ride:  Is stock market volatility causing you indigestion?  The world has changed dramatically and the pace of change quickened as a result of the Great Recession, the continuing massive unemployment, the great credit crunch and 10 years of losses in the stock market.

Hildy Richelson, Ph.D., and Stan Richelson, J.D., LL.M., are authors of four books on bonds.  Hildy Richelson is President of Scarsdale Investment Group Ltd. In Blue Bell, PA.

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Listen
Capital Spectator Interview
with Stan Richelson (December 30, 2008)

Growth and Income:  Whether you are Lenny Dykstra, the ex-Phillies star who earned $36.5 million over the course of his career, or a salaried person trying to make ends meet, individual bonds are the right choice for you.  If Dykstra had invested his earnings in tax-exempt bonds yielding 4.5% he would have earned $1,642,500 annually.  If he saved some money, the reinvested interest would have boosted his principal.  Instead Dykstra is bankrupt. 

The Advisor Matters:  A brokerage firm that buys and sells bonds to individuals has a severe conflict of interest.  The brokerage firm is actually a principal in the sale of the bonds to you.  The brokerage firm represents itself, not you in the bond transactions.  When considering any investment, the advisor matters.

Our Investment Program:  See your investment future through our eyes.  Our book Bonds:  The Unbeaten Path to Secure Investment Growth, (Bloomberg Press, 2007).  explains The All-Bond Portfolio.

Stan and Hildy
Richelson

Read
Advisor Perspectives Lead Article
"The Case for an
All Bond Portfolio"
(Feburary 24, 2009)

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EXPLORE THE ALL-BOND PORTFOLIO

Scarsdale Investment Group

The Unbeaten Path to Secure Investment Growth

See Article:
"Bonds: Why Bother?" by Robert Arnott
(May 13, 2009)

Wealth Preservation:  The possibility of a quick gain in the stock market often makes us overlook the importance of preserving our wealth.  We believe that individual investors can best preserve and grow their wealth by investing in high quality individual bonds.  Don't underestimate the power of compound interest available to you through the All-Bond Portfolio strategy.

Read Article:
"Time to Dump Stocks
and Buy Bonds?"
in TheStreet.com
(May 18, 2009)

Read Article:
"Buy Bonds and
Not Bond Funds"
Advisor Perspectives
(November 24, 2009)

What Works: Modern Portfolio Theory and associated Asset Allocation theories, were all supposed to reduce investment risk.  However, they failed miserably in the Great Recession, when all asset classes declined together. High quality individual bonds, whether they were tax-free or taxable, held their value and reduced portfolio risk.

See the latest
All Bond Newsletter:
Questions, Questions Questions
(June, 2010)

Read Article:
"Build America Bonds Power the US States"
Advisor Perspectives
(August 24, 2010)