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Join Chief Income Strategist Marc Lichtenfeld for a quick summary of how he succeeds in the bond market... SPECIAL OPPORTUNITIES [The Oxford Club Special Opportunities]( Note From Editorial Director Justin Fritz-Rushing: In today's article, Chief Income Strategist Marc Lichtenfeld notes that he typically buys bonds with the intention of holding them to maturity and collecting interest along the way. [Convertible bonds, or "refundable stocks" as Marc calls them, are where he makes an exception.]( Unlike regular bonds, which function as corporate IOUs... These bonds come with the option to convert to stock whenever you like at a preset price. This enables you to lock in HUGE stock profits at a DISCOUNT should the associated stock rise. [And as Marc's latest research presentation shows, these assets are a safer, more flexible alternative to the stock market.]( According to a former money manager at Merrill Lynch, convertibles are Wall Street's best kept secret. And Marc agrees. [Click here to watch Marc's presentation on convertibles.]( --------------------------------------------------------------- Why This "Dividend Guy" Relies on Bonds Marc Lichtenfeld, Chief Income Strategist, The Oxford Club [Marc Lichtenfeld] If you've read anything from my e-letter Wealthy Retirement, you know I'm the dividend guy. I believe so strongly in the power of investing in Perpetual Dividend Raisers that I spent two years writing Get Rich with Dividends to show investors why they must include this wealth- and income-building machine in their portfolios. I write about dividend-growth stocks every week. I invest in these types of stocks for myself and for my kids. So it may surprise you to know that I also own some bonds. I have a mix of bonds, including convertible, corporate, Treasury and municipal bonds. My Treasurys have extremely short maturities - less than a year. I basically treat them as a place to park my cash and earn a little extra income. My corporates and municipals also have short maturities, but not as short as those of the Treasurys. I'll typically buy bonds that mature in three years or less. Since we're in a high interest rate environment, I don't want to be locked in at a lower interest rate for too long. Most of the time when I buy bonds, I plan on owning them until maturity. I'm not interested in trading them. Sure, if I get a spike in the price above par (the price at which the bond will be redeemed at maturity), I may consider selling early. But generally, I'm buying a bond to collect a consistent stream of income with the guarantee (in a Treasury) or near-guarantee (in a municipal or investment-grade corporate bond) of getting my money back. The important thing to remember when owning bonds is that you get the par value of the bond back at maturity... no matter what the bond, bond market or economy is doing. For example, let's say you buy a bond at par value ($1,000) that yields 4% and matures in two years. That means you'll collect 4% interest each year and receive your $1,000 back at maturity. If the bond declines in value to $900 next year, it doesn't matter. Because at maturity, you'll get your $1,000 back. And you'll still collect 4% interest. The interest rate you'll receive does not fluctuate with the price of the bond. I like that kind of stability for a small portion of my portfolio. I keep my bond holdings fairly small because I'm still building wealth. I have years to go until retirement. Investors who have a lower tolerance for stock market risk might want to have a larger percentage of their portfolio invested in bonds than I do. If you're interested in bonds, I do NOT recommend bond funds or exchange-traded funds (ETFs). These investments will lose value as interest rates rise. Individual bonds may also lose value, but at maturity, investors will get their money back. There is no maturity on a bond fund or ETF, so you will very likely lose money in a rising rate environment. It's important to note that your bond positions aren't likely to grow your wealth much, unless you buy bonds that are undervalued. You're not going to get rich buying bonds. But you may stay rich. Bonds are a useful way to generate some good income while preserving your capital. Just keep your maturities short while rates are rising and buy bonds that are high quality. Take it from the dividend guy. Good investing, Marc P.S. [Click here to check out my new presentation on what I consider to be the "perfect investment."]( In fact, this alternative investment can produce gains as high as 1,984% in three years... while CUTTING your risk. OPPORTUNITIES OF INTEREST - [One Potentially Explosive Stock That Alexander Green Just Discovered Has Seen Five-Year 2,000% Revenue Growth, Enjoys 70% Gross Margins and Sports a Debt-Free Balance Sheet, yet Still Trades Under $10. 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