Monthly Archives: July 2013

Help Clients Understand the Impact of Rising Rates on Retirement Income

Nest-Egg imageFear of rates rising and causing a large price depreciation in fixed income funds continues to be a very concerning topic.  Our previous article ‘Rising Rates: How are you prepared?’ addressed some of the diversification techniques and how greatly varying the correlation can be between different fixed income asset classes.  This recent flyer from Franklin Templeton, ‘Interest Rates and Your Fixed Income Investments’ pdf-icon , addressed an additional component: the role income plays in a fund’s total return.

A fixed income fund generates return in two main ways: price appreciation and income from the underlying holdings.  Just because the underlying holdings depreciate, does not mean the fund will necessarily have a negative total return after factoring in the income generated.  The flyer does a great job of visually displaying this concept in a year by year analysis of Barclays U.S. Aggregate Index’s total return broken up by price appreciation/depreciation and income.  Furthermore, it looks at the total return for Government, Municipal, and Corporate Bonds over the last 20 years  (ending December 31, 2012) and shows this same breakdown – over 90% of the total return is income derived!

Mortgage Website is Updated

TFS Mortgage on the Web Is Updated & Open for Business!!

At www.tfsweb.com > MortgagesYou can see the following:

Mortgage Case Status-> Your Clients listed and Status

Calculators-> For Professional Proposals to present to your Clients and a Quick Hypothetical Mortgage Calculator.

TFS Promotions->Current Incentives.

Express Programs-> Decide which way is best for you.

New & Events– > Stay Current with “TFS Mortgage News”

Compensation-> Learn How to Earn More.

Mortgage Forms-> All you need to get started.

Reference Library-> Missed an Event?  Presentation PowerPoint’s are available, Customizable Marketing Fliers, Helpful Tools will advise if your clients Zero Equity Home is eligible to be refinanced. Hot Products and Programs – Coming Soon!!

Realizing the challenges with your busy schedules TFS Mortgage is committed to deliver all the tools and information you need to be your Clients “Trusted Mortgage Advisor” and the New Improved Mortgage Resource Center will be updated and current to assist you when your time is limited.

For More Information Contact: Richard Widmer Vice President- New Business Development NMLS#861176 Cell (908) 705-1498 Office (732) 758-9300 ext. 116

Division of Tomorrow’s Financial Services, Inc. Correspondent Residential Mortgage Lender, New Jersey Department of Banking & Insurance Registered Mortgage Broker: NYS Banking Department and Florida Office of Financial Regulation NMLS ID 51460 · Visit us on the web at www.tfsweb.com 437 Newman Springs Road, Lincroft, NJ 07738(732) 758-9300 FAX (732) 758-9418

Franklin Templeton’s Hasenstab Sees Buying Opportunity in Bonds, Currencies

currency imageBy Min Zeng

Bond fund manager Michael Hasenstab said battered emerging-market bonds and currencies present a buying opportunity after a frenzied selloff in May and June.

Mr. Hasenstab, manager of the $70.1 billion Templeton Global Bond Fund (TPINX) at Franklin Templeton Investments, said concerns that a pull back by the Federal Reserve of monetary stimulus will undermine the growth of emerging-market nations are overblown. Continue reading