When is three percent better than 6 percent? Yeah, we all know the response, but only until the prices of the securities we already own start to fall. Then, logic and mathematical acumen go away and we become susceptible to all kinds of special cures for the occasional onset of higher interest rates.

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

There are actually two crucial issues that your mother never ever told you about Income Investing: (1) Higher interest levels are good for investors, much better than lower rates, and (2) Picking the right securities to take advantage of the interest rate cycle just isn't particularly difficult.

Higher rates are excellent for investors, especially when retirement is a factor within your investment decisions. The more you receive for your reinvestment money, the more likely it is that you will not need a second job to maintain your way of life.

Choosing the best securities to reap the benefits of the interest rate cycle is not particularly challenging, but it does demand a change in focus from the statement bottom line along with the use of a few security types that you might not be 100% comfortable with.

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

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

(2) The eyebrow raising Unit Trust varietals, Closed End Funds, Royalty Trusts, and Real Estate Investment Trusts.

The market rules that apply to most of these are fairly predictable, but the capability to generate a safer, higher yielding and flexible portfolio can vary substantially within the security types.

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

At the same time, keep doing your own analysis on restructuring finance and investment plans to yield exceptional returns.

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