We tailor our investment recommendations to meet our clients’ needs and goals. Our approach can be as individualized as each client because we are a truly independent firm with our own inventory of fixed-income investments.  We consider each client’s tax status, retirement goals, cash flow needs and philanthropic intent to create a portfolio that can serve each of these needs using low-cost, high-quality investments. 

The following are some types of investments that help make up a typical D.M. Kelly & Company portfolio.

Equities

Equities, or common stocks, represent ownership in publicly traded corporations. Investors in equities have the potential to receive dividend payments, as well as appreciation in share price. This can serve as a hedge against inflation over time. D.M. Kelly & Company focuses on companies that have what we consider solid fundamentals and a strong commitment to their shareholders. 

Mutual funds

Mutual funds provide investors access to a professionally managed collection of stocks, bonds or both—inside a single investment. D.M. Kelly & Company places emphasis on mutual funds with proven track records and below-average expenses. A collection of mutual funds can create a diversified portfolio on their own or can be used as a complement to a portfolio of individual stocks and fixed-income securities.

Government bonds

Government-issued debt is the safest form of debt you can own because it’s backed by the full faith and credit of the U.S. government. Also, T-bonds and T-notes are exempt from state and local taxes and are a stable source of fixed income for your portfolio.

Municipal bonds

Generally free from federal taxes, municipal bonds pay interest while supporting the infrastructure of local communities. In addition, certain municipal bonds may be exempt from state and local taxes. These characteristics make municipal bonds ideal for investors in higher tax brackets who may benefit from tax exemption.

Corporate bonds

Corporate bonds generally have higher yields than government bonds because they aren’t backed by the full faith and credit of the U.S. government. D.M. Kelly & Company specializes in bonds with investment-grade ratings. Our registered representatives constantly research and purchase bonds to help provide our customers with the right balance of security and return.

Bond ladders

A bond ladder spreads investment dollars among bonds that mature at staggered intervals. We help many of our clients construct customized bond ladders for their fixed income portfolios. 

Bond ladders offer many benefits, such as helping offset fluctuating interest rates, providing diversification and meeting cash/funding needs. Our deep knowledge and access to major fixed income market places offer the ability to locate quality bonds at efficient prices.

CDs

Issued by banks and FDIC insured, certificates of deposit (CDs) provide D.M. Kelly & Company accounts with added diversity and security. CDs are available in a variety of interest configurations, including fixed, stepped, variable or zero coupon. Your D.M. Kelly & Company registered representative will help you determine which type of CD would best complement your portfolio.

Contact us

To talk to us about your investment goals and learn more about how we can help, contact us today.