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How Dopkins Wealth's fixed income offering is different

Posted by The Dopkins Wealth Team

Jan 26, 2016 8:00:00 PM

Dopkins Wealth Management is a member of the BAM Alliance, a community of more than 140 independent wealth management firms located throughout the United States — united in belief and in practice that there is a better, more effective, and more resilient way for investors and their families to safeguard their financial futures and realize their dreams.  Our clients benefit in many ways through this alliance, including many fixed income advantages. The following outlines some of these benefits to fixed income investors.  

Dopkins, through the BAM Alliance, works with BAM’s Fixed Income department, a team of dedicated fixed income advisors who help provide customized investment solutions for Dopkins’ clients. BAM’s Fixed Income Desk evaluates new assets and portfolios, constructs bond ladders and monitors bond positions for credit quality changes. The desk manages more than $8 billion in bonds and bond funds and trades $2 billion in market value a year. We want to share some key differentiators between Dopkins and BAM’s Fixed Income offering compared with the traditional broker-dealer model.

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Topics: fixed income, bonds, municipal bonds, registered investment advisor, ria, investment advisors act



The Federal Reserve and Rising Rates

Posted by The Dopkins Wealth Team

Dec 14, 2015 11:48:00 AM

With the recent spate of positive economic news, highlighted by the strong jobs numbers for both October and November, all signs point toward the Federal Reserve raising the federal funds target rate 25 basis points from 0–0.25 percent to 0.25–0.50 percent. Based on federal funds futures, the market is assigning a roughly 76 percent probability of a federal funds increase. Given that this would be the first interest rate hike by the Federal Reserve since 2006, many clients are beginning to ask, “Should we stay short and wait for the Fed to raise interest rates before investing?” 

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Topics: wealth management, fixed income, Federal Open Market Committee, Federal Open Market Committee, (FOMC), the fed, treasury bond, fixed income ladder



What are agency bonds?

Posted by The Dopkins Wealth Team

Dec 3, 2015 4:30:00 PM

Agency bonds are securities issued by two types of entities: 1) government-sponsored enterprises (GSEs), which usually are federally chartered but privately owned corporations; and 2) federal government agencies which issue  bonds to finance activities related to public purposes, such as increasing home ownership or providing agricultural assistance. 

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Topics: securities, agency bonds



5 Ways We Evaluate Muni Bonds

Posted by The Dopkins Wealth Team

Nov 19, 2015 3:51:06 PM

While there have been few defaults in the municipal market, it’s important to note that not all muni bonds are created equal. The market offers many different types of bonds backed by varying legal pledges and revenue sources to repay the debt. The following are some of the qualifications it takes for a muni offering to meet our strict parameters to be considered for purchase.

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Topics: fixed income, bonds, muni bonds, municpal bonds



5 Investing Principles Savvy Investors Know

Posted by Chad R. O'Connell AIF QPFC

Oct 31, 2015 1:50:00 PM

If the majority of investors understood the true benefits of a buy-and-hold strategy, some of the thousands of trades placed each day would likely not be made. Likewise, some of the products that thrive on being complex would see a not-surprising decline in popularity — if investors knew about their many disadvantages. The following are 5 key investing principles that investors should know.

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Topics: investing,, investments, investors



Stock Market Volatility a Good Thing for Investors?

Posted by The Dopkins Wealth Team

Aug 27, 2015 11:42:11 AM

In light of recent stock market volatility, we wanted to share the thoughts of Jared Kizer, the BAM ALLIANCE's Chief Investment Officer. As Jared points out, many times market volatility can be a good thing and sticking to a well thought out investment plan is the best way to achieve financial success. 

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Topics: dwm



Federal Reserve System Refresher

Posted by The Dopkins Wealth Team

Aug 25, 2015 1:49:39 PM

We are all familiar with the Fed (not to be confused with Roger Federer), but do you really know what it is, what it does, and how it functions?

Q: What is Federal Reserve System

A: The Federal Reserve is the central bank for the United States. It is composed of 12 regional Federal Reserve Banks located around the country as well as the Board of Governors, the independent government agency, in Washington D.C. A 12 member board is selected from these entities to create the Federal Open Market Committee (FOMC). The Federal Reserve controls the country’s monetary policy with the dual mandate of stable prices and full employment with the goal of sustainable economic growth. Monetary policy is concerned with the amount of money and credit in the economy. The Federal Reserve is also in charge of regulating banks and other economically important institutions to protect depositors and ensure the safety of the financial system.

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Topics: dwm



Changes in Bond Yields: How Is Your Portfolio Affected?

Posted by The Dopkins Wealth Team

Jul 9, 2015 2:19:55 PM

The recent increase in bond yields and the likelihood that the Federal Reserve will begin raising its target rate later this year have elevated investor concerns. Many investors are wondering if this is the beginning of a continued increase in yields and, if so, how it will affect their bond portfolios. From the end of January, the benchmark 10-year Treasury rate increased from a low of 1.64 percent to 2.37 percent in mid-June. While this rate is still low from a historical perspective, it is a fairly large increase for a short time frame.

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Topics: interest rates, yield curve, Federal Open Market Committee, bond yields, bond returns, (FOMC)



What is fixed income duration and why is it important?

Posted by The Dopkins Wealth Team

Jun 16, 2015 12:05:40 PM

Fixed income investors know there is an inverse relationship between interest rates and the price of fixed-income securities. When interest rates rise, prices fall. When rates decline, prices increase. There are a number of risk measures available to give investors a feel for how a specific bond or portfolio of bonds may change in value given a change in interest rates. The best way, though, to measure price sensitivity is to use duration, of which there are multiple types.

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Topics: fixed income, fixed income duration, modified duration, effective duration, interest rates



A bond’s coupon rate vs. yield to maturity— know the difference?

Posted by The Dopkins Wealth Team

Jun 8, 2015 2:00:00 PM

The coupon rate tells you the annual amount of interest paid by a fixed income security. For example, a Treasury bond with a coupon rate of 5 percent will pay you $50 per year per $1,000 of face value of the bond. The coupon rate, however, tells you very little about the yield. For most securities, the yield is a good proxy for the return of the fixed income security (that is, how much you can expect your wealth to increase if you purchase the security) and is far more meaningful than the coupon rate. To illustrate, consider these two Treasury bonds:

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Topics: fixed income, bonds, dwm, bonds; fixed income, securities





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