Forbes: James St. Aubin on the Benefits of Bond Laddering

Different ways you can prevent an SVB portfolio nightmare with Bond Laddering

“If I have a 10-year window where I know that I’m completely safe from having to sell anything if the markets don’t go in the right direction, that’s a great place to be,” says James St. Aubin, chief investment officer of Sierra Mutual Funds and Ocean Park Asset Management, in Santa Monica, California.

This strategy can work well for somebody approaching, or in, retirement who wants to maintain a separate investment portfolio for growth, which may also include bonds or bond funds. That’s a reasonable way to look at it because while you can probably do a fairly good job of estimating your expenses for 5-10 years, you may have only the fuzziest idea of how long you need your overall savings to last.

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The thoughts and opinions expressed in the article are solely those of the person speaking as of 4/8/2023. The discussion of individual companies should not be considered a recommendation of such companies by the Fund’s investment adviser. The viewer must make his/her own assessment of the relevance, accuracy, and adequacy of the information contained in this article, and make such independent investigations as he/she may consider necessary or appropriate for the purpose of such assessment.

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