The Future of Fixed Income: Leveraging Modern MYGAs to Optimize Client Portfolios
As market conditions evolve and interest rates are expected to decline over the next several years, registered investment advisors (RIAs) face the ongoing challenge of boosting fixed income and cash positions in client portfolios. Recent signals from central banks and credible news sources like Reuters indicate that the declining-rate environment is likely to persist in the near term, pressing the need for alternative, reliable income strategies.
At Gainbridge, we understand the urgency to adapt. This comprehensive guide explores how Multi-Year Guaranteed Annuities (MYGAs) can serve as a strategic tool to enhance fixed income positions—offering both stability and attractive returns even when conventional fixed income products underperform. By integrating MYGAs into your advisory approach, you’ll be well-equipped to navigate the challenges of today’s yield landscape while positioning your clients for long-term financial success.
MYGAs are fixed annuities that offer a guaranteed interest rate for a predetermined period, typically ranging from three to ten years. They are issued by insurance companies, which pool the funds from policyholders and invest them in a diversified portfolio. Unlike market-sensitive products, MYGAs provide predictable returns and stability, making them an attractive option for advisors focused on fixed income.
Inside the guide, you’ll find detailed comparisons of MYGAs versus traditional fixed income assets like CDs and bonds, along with tax-deferred and non-tax-deferred MYGA options. We outline portfolio integration strategies—such as split allocation, laddering, and blended fixed income—complete with real-world case studies that demonstrate how MYGAs can balance yield, liquidity, and risk management to meet diverse client objectives.
Ready to discover how MYGAs can transform your fixed income strategy? Download “The Future of Fixed Income: Leveraging Modern MYGAs to Optimize Client Portfolios” and explore yield potential, tax considerations, and actionable tactics to empower your clients in today’s dynamic rate environment.
