When I first started investing, I did not know where to begin in regards to researching the fixed income (e.g. government or corporate bonds) asset class. It is a significant asset class to consider for our portfolio which typically may have more modest returns but less risk than stocks. It can seem overwhelming to at-home investors, or even those who are trying to understand recommendations from their financial advisors. However, we do not win by guessing or by always assuming our advisor is right, but by studying and asking good questions to improve our understanding.

I recommend spending some time at the Vanguard site online to research and possibly invest in diversified government or corporate bond funds. They provide a lot of choices and effective diversification through bond funds. They also have a good search tool to help you sort through the many options available and find what is right for you.

Take the time to research and study either with the Vanguard search tool or other similar tools at different investing sites. Browse through and drill down to read about the different options. For those working with a financial advisor, use this research to help focus your questions and validate the advice they may be giving you. Compare the fee structure of products you are offered vs. the low fee structure at Vanguard.

For the record, I have no affiliation with Vanguard or any other products I comment on in my articles.

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