When is three percent better than six percent? Yeah, we all know the answer, but only until the prices of the securities we already own start to fall. Then, logic and mathematical acumen vanish and we become subject to all kinds of special cures for the periodic onset of greater interest rates.

We'll be told to sit in money until rates stop climbing, or to sell the securities we own now, just before they lose even more of their precious Market Value. Other gurus will recommend the purchase of shorter-term bonds or CDs to stem the tide of the apparent erosion in portfolio values.

There are two critical issues that your mother never ever told you about Income Investing: (1) Greater interest rates are good for investors, much better than lower rates, and (2) Selecting the right securities to reap the benefits of the interest rate cycle is not particularly difficult.

Greater rates are excellent for investors, especially when retirement is really a factor in your investment decisions. The more you receive for your reinvestment money, the more likely it is that you won't require a second job to maintain your standard of living.

Picking the best securities to reap the benefits of the interest rate cycle isn't particularly difficult, but it does demand a change in focus from the statement bottom line and the use of a few security types that you simply may not be 100% comfy with.

I'm going to assume that you simply are familiar with these options, each of which might be considered (from time to time) for a spot in the well diversified Income Portion of your Asset Allocation:

(1) The standard individual Municipal and Corporate Bonds, Treasuries, Government Agency Securities, and Preferred Stocks.

(2) The Unit Trust varietals, Closed End Funds, Royalty Trusts, and REITs.

The market rules that apply to these are fairly predictable, but the capability to generate a safer, greater yielding and flexible portfolio varies considerably within the security types.

So do just a little research and spread your dollars around the numerous management companies that are on the market. If your agent tells you that all of this really is risky, tell them to look into corporate debt restructuring just before you restructure your investment plans.

In the meantime, keep doing your own analysis on restructuring finance and investment plans to yield outstanding returns.

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