Premium Choice Bond Investment

Quality Matters

Municipal and Corporate

Municipal and Corporate

  Historically AAA and AA credit rated (the only bonds we purchase) municipal and corporate bonds have been a low-risk  investment.

  


  Depending on market conditions we will be investing in either long or short term bonds to accommodate interest rate variations. 

Municipal and Corporate

Municipal and Corporate

Municipal and Corporate

We purchase two types of bonds: Corporate and Municipal.


Bonds pay the bond owner interest on the principal invested until the bond matures or is "called", meaning the issuer matures the bond earlier then the maturity date.

 

Our average maturity is around two-years.



 When the bond matures the principal is returned and remaining interest is paid. We then purchase new bonds with these proceeds.  


Corporate Bonds

Municipal and Corporate

Corporate Bonds

 Corporate bonds are issued by corporations to raise capital.


  This capital can be used to build manufacturing plants, purchase inventory, or support the many requirements to strengthen the company.


Examples of corporate bonds you would own are Nestle, Walmart,  Johnson and Johnson to name a few.


The majority of corporate bonds we purchase are rated AA.  At this time only two companies have AAA rating Johnson and Johnson and Microsoft Corp. 



  


  


Municipal Bonds

Pay No Federal Tax on your Earnings.

Corporate Bonds

  

  Governments issue municipal bonds for building and maintaining the public domain. 


There are two types of municipal bonds we purchase: General Obligation and Revenue Bonds.


General Obligation bonds are backed by the taxing ability of the state,  county or city government.


Revenue Bonds are backed by the revenue earned from the government owned utilities,  road-tolls, and many other income producing projects.  



Pay No Federal Tax on your Earnings.

Pay No Federal Tax on your Earnings.

Pay No Federal Tax on your Earnings.

 

Pay no Federal Tax on your municipal bond earnings.


    Most states are free of state tax  if the purchaser lives in the state of the bond purchased. 


This provides an incentive for high-income earners to invest in America,  the higher the investor's tax bracket the greater the  federal tax-free yield.  


For example:  If you are in the   35% tax bracket and had a tax exempt yield of 3.00% your actual return would be 4.62%.


Circumstances are different for all tax payers consult a adviser.

  



Americas Infrastructure

Pay No Federal Tax on your Earnings.

Pay No Federal Tax on your Earnings.

 

 We invest only in the top two highest rated municipalities (AAA and AA) throughout the United States.


Municipal bonds are a $2.5 trillion dollar market.


 They build America's infrastructure.


We purchase individual bonds which allows us to keep the credit-quality high and diversify your holdings.


 We do not purchase mutual bond funds


 

There are no withdrawal fees or lock up periods  owning individual bonds.

  


Smart Bear Balanced Accounts

Bear Market

Lang’s Smart Bear Balanced product is for the more aggressive investor, as this product is designed to perform well in any market environment, but especially performs well in a bear market.


 This is done with the majority of the portfolio invested in AAA and AA individual municipal bonds and corporate bonds plus a smaller percentage of the portfolios in "inverse" ETFs.  Inverse ETFs go up in price when the stock markets go down, but conversely will go down in price when markets rise.


 The objective is to profit in a down market, but also provide attractive returns regardless of market direction. We accomplish this objective by limiting the inverse ETF exposure to 15% of the portfolio with the remainder of the portfolio (85%) in the above mentioned fixed securities.

ETFs down market charted financial analyst Melbourne Florida bear market Indialantic Florida

ETFs down market charted financial analyst Melbourne Florida bear market Indialantic Florida