Fixed income funds aren’t the most profit-yielding sources of investment. In fact, they generally fall under the lowest tier of a financial investment tools’ pyramid. Stocks and the share market provide tempting offers that have a definitive return, usually on the higher end. However, should the stock market face a hit or your stocks see a downfall, a fixed income fund would help you get by till you’re back in the game.
The biggest challenge of fixed income funds, which primarily include government bonds, is the ever-increasing rate of interest. The constant rise in the rate of interest results in people avoiding bonds. Another hassle involving bonds is the tenure of the bond. The older bonds with a low yield have less demand, whereas the newer bonds with a high yield are more promising to buyers. The best way to approach this complicated scenario and mitigate the loss is by investing in one of the 10 best fixed-income funds and even consider choosing from among the top 10 fixed-rate bonds.
In the following, 5 fixed-income funds from among the top 10 have been listed.
Best fixed income funds
Discussed below are the top five fixed-income funds, which carry the least amount of risks and generate good returns.
Vanguard’s Short-Term Treasury ETF
The average maturity period of Vanguard’s Short-Term Treasury ETF is around two years, making it less susceptible to an upscaling rate of interest. It currently yields around 2.2 percent.
iShares 1-3 Years Treasury Bond ETF
Short-term bonds are known to have stability and reduces the risk of long-term rates that could pose as an added expense. iShares currently provides a 2.6 percent yield.
SPDR Bloomberg Barclays High-Yield Bond ETF
Risk-free funds give people the stability they look for financially. However, for those who don’t mind taking a leap in the dark, Bloomberg Barclay’s High-Yield bond is ideal. There is a high risk involved, but there is also a 5 percent yield on the bonds, which will not default.
PIMCO Total Return Bond ETF
PIMCO’s ETF gives you a 3.1 percent yield. However, there is a higher chance of the risk involved when investing in the fund and you might have to pay more expenses to maintain it.
VanEck Vectors® Fallen Angel High Yield Bond ETF
While the VanEck Vectors® Fallen Angel bonds might be in the top tier of junk bonds, the yields received on the funds are what make it attractive. It gives a satisfying yield of around 4.99 percent.
Whatever fund you choose, do your research well. Ensure you know the exit load associated with the fund you invest in so that in case you exit before the maturity date, you do not have to witness a huge dip in the overall returns from the fund.
Apple phones are expensive, however, you can buy the iPhone 7 at an affordable price since cheap deals and offers on the iPhone 7 are now offered at various stores. The iPhone is good enough for most people and is available at an affordable price through carriers like Verizon, AT&T, Sprint, and T-Mobile. The amazing thing is that you don’t have to pay as much as you did earlier when the iPhone 7 was newly launched.
Likewise, several carriers provide installment plans in order to minimize the upfront costs. You will get the Apple iPhone 7 32GB for just $549. This makes it much more affordable than it once was. This price is for an unlocked model. Surprisingly, during a flat price is also offered by Apple. Since this price is set directly by given Apple, you can simply trust your purchase.
There are several deals available on the iPhone 7. The iPhone 7 was until yesterday Apple’s flagship product, and the introduction of the iPhone X has made the iPhone 7 and 7 Plus much affordable. Apple has dropped the retail price of the iPhone 7 and the iPhone 7 Plus arrives at just around $100.
Apple had reduced the cost of both the models and eliminated the 256 GB versions of the phones. So, the suggested retail price of a 32GB iPhone 7 would be around $549, while that of a 32GB iPhone 7 Plus would be around $669. Similarly, the 128 GB model costs somewhere between $649 and $769, respectively. You can also buy the iPhone 7S if you are looking for the great phone at a lower price.
AT&T offers buy-1 and get-1 free deals on the iPhone 7 for the latest customers who will sign up for its AT&T Next service. There are retail stores such as Target and Costco, which frequently provide store gift cards when you buy the iPhone 7. This could further increase your savings. While you can even consider GameStop (the video game retailer) who even sells the refurbished iPhones.
You may also visit the official website of Apple. The website offers deals on the refurbished items such as iPhone 7; however, it is not available at the moment. Moreover, you can expect prices to go lower as the holidays approach and retailers look to bring in foot traffic.
Are you someone who sweats a lot? Do you hate the sweaty smell of armpits after a workout session? Then, a good deodorant may help you. Choosing the men deodorant is tough. So before making a purchase you should read its customer reviews online. A good deodorant should have an amazing smell without any chemicals. It should not leave any stains on clothes and should not darken the armpits region. Also, the best men deodorant must fit your budget. Be sure to read about the ingredients before buying a new brand as all brands don’t suit to all skin types.
Here is a guide to some of the best men deodorants which every man should know and use-
LAB Series Deodorant
LAB Series Deodorant is one of the best men deodorant brands in the country that enhances your personality and confidence by providing effective odor solution. It is fragrant-free and white in color when applied, thereafter becoming colorless. Its benefits are-
Every Man Jack Deodorant
Every Man Jack Deodorant is for men who want to smell great without the use of harsh chemicals. This best men deodorant has a citrus scent and is aluminum free. The product is natural and brings long lasting odor protection feature. Its benefits are-
Old Spice
Another aluminum free deodorant, this one stands apart from all brands by providing clean arctic force scent. It has the ability to provide 24-hour odor protection and comes in a clean, crispy and sporty fragrance. Its benefits are-
Gillette Deodorant
Gillette Deodorant is a worldwide product that aims to knock off all other brands with its immense quality and features. The Gillette best men deodorant provides 48 hours of sweat and odor protection. It has scent XTend technology which provides a fade resistant scent. It has a precision engineered formula that keeps you fresh all day and gives invisible sweat protection to the skin. It has following benefits-
Secret Deodorant
Secret Deodorant is one of the best men deodorant due to its portable underarm fixers that come in Secret’s signature fragrances. It has a wide range of varieties i.e. Luxe Cool Water Lily, Lavender, Paris Rose, and Chill Ocean. All the varieties have a nice smell with aromatic qualities in it. Its additional benefits are-
Degree Deodorant
Degree deodorants stand better than other brands as they do not consist of water or alcohol which leaves a wet residue on the skin. Neither does it consist of wax that can leave a residue. It gives 48 hours odor protection and wetness. Its benefits are-
People spend at least eight hours of their day at office or a job place to earn and make their lives better. It’s a place where they need to show their confidence and skills. Smelling and a sweating body can lead to work loss. Also, some people sweat a lot, for them most deodorants do not work out and thus it becomes difficult to sustain that confident personality for them. Therefore, it is very important to choose the best men deodorants carefully and see if a particular brand works out for your body or not.
Every year, Apple, Samsung, and Google launch great smartphones which rule the market. Even though many other players also did exceptionally well in 2017, these three brands did not let others occupy the top spots. Apple and Samsung did not let their buyers down with the launch of their latest smartphones. So, the list of best smartphones sure has Samsung, Apple, and Google phones in addition to some other brands which managed to gain their places just below the top. As Apple has a different price range and androids become a much more sensible option for people for whom price matters, one needs to know about the best options available in this segment. Here are some of the best Android smartphones in the market.
Samsung Galaxy S8: Samsung Galaxy S8 is considered to be at the top of the list of best smartphones, according to many tests done on the smartphones. The S series by Samsung has always been the first option of many ever since its existence. In the very latest Samsung Galaxy S8, we will find a ridiculously big screen of 5.8 inches and a battery of 3000 mAh. The camera quality is amazing with a 12-megapixel rear camera and 8-megapixel front camera. Even though some people may not prefer it because of its unusually bigger size, others may prefer it for its features and grandeur when having a handy phone is not one of their priorities.
Google Pixel 2 XL: Looking for a phone with an excellent camera, big screen to view video clips, good battery life, and abundant storage? Google Pixel 2 XL is the phone that completes all these requirements. Even though with a storage of 64/128 GB and a battery of 3520mAh are great enough for a person to buy this phone, the camera of this phone overshadows any other features. With a 12.2 MP rear camera and 8 MP front camera, this phone has become one of the best camera smartphones in the market. The screen is not very impressive and there is no port for the headphones as well. But, if you do not have a budget issue and having a great camera phone is all that matters, this is the smartphone where your search ends.
Samsung Galaxy Note 8: This is one of the best Android phones for the people looking for a phone with big screen. Samsung Galaxy Note 8 has a screen of 6.4 inches. With a storage of 64 GB and RAM 6 GB, this phone is unstoppable in performance. It has a dual rear camera of 12MP+12MP and a front camera of 8MP. The battery does just fine with 3300 mAh. Even though the infinity display is excellent, the single, working below par speaker is its weakness. Just like many other Samsung phones, the fingerprint of this, too, is not without a flaw. It is slightly off-center. Regardless, note 8 is still considered one of the best Android phones as the overall performance beats a lot of other smartphones. But, being very expensive becomes a hindrance in the acquisition of note 8 by many people.
LG V30: Considered one of the best Android phones of 2017, LG V30 is undeniably the best LG has. Like many other best Android phones, it also has a big screen, that of 5.7 inches. Storage is abundant with 64GB ROM and 4GB RAM. The battery life is pretty good with a battery of 3300mAh. The rear camera of 16MP is great, but there is nothing great about the 5MP front camera. The LG smartphone has the best video recording capabilities a phone has to date. The OLED display is great, much better than the LED seen in previous LG phones. Also, this phone is expensive. If a person is looking for a phone with exceptional video recording, this is exactly the phone to grab.