#18 Unity Finance #18

  Building a Laddered Municipal Bond Strategy for Tax-Free Income For high-income investors seeking predictable, low-risk income—without triggering federal tax bills—municipal bonds are a powerful tool. But buying a random muni fund may not give you the income stability or control you need. Instead, consider a laddered municipal bond strategy that spreads risk, matches cash flow needs, and keeps your portfolio tax-efficient. 📌 Table of Contents What Is a Bond Ladder? Why Use Munis for Laddering? How to Build a Muni Bond Ladder Risks and Management Tips Best Tools and Accounts for Munis What Is a Bond Ladder? A bond ladder is a portfolio of fixed-income securities (like muni bonds) that mature at staggered intervals—typically every year or few years. This strategy offers: ✔️ Predictable cash flow ✔️ Reduced reinvestment risk ✔️ Better interest rate flexibility Why Municipal Bonds? Municipal bonds (issued by state and local governments) off...

  Using Life Settlements as an Investment Class Life settlements — the purchase of life insurance policies from seniors who no longer need or want them — have evolved into a compelling alternative investment class for sophisticated investors. Unlike stocks or bonds, life settlements are not correlated with market cycles, making them a powerful tool for diversification and yield enhancement in high-net-worth or institutional portfolios. In this post, we’ll explore how life settlements work, who invests in them, and what to watch out for in this unique asset class. 📌 Table of Contents What Is a Life Settlement? How Life Settlement Investing Works Return Potential and Key Risks Institutional vs. Retail Access Regulatory Considerations Further Resources 💡 What Is a Life Settlement? A life settlement occurs when a life insurance policyholder — usually age 65 or older — sells their policy to a third-party investor for more than the cash surrender ...

  Buying Structured Settlements as an Alternative Investment 📌 Table of Contents What Are Structured Settlements? Why Investors Buy Structured Settlements How the Purchase Process Works Risks and Legal Considerations Tax Implications for Buyers Conclusion What Are Structured Settlements? Structured settlements are financial agreements in which a plaintiff receives scheduled payments over time as part of a personal injury or wrongful death lawsuit resolution. Instead of receiving a lump sum, the recipient gets periodic payments funded through an annuity issued by an insurance company. These steady, court-ordered payments can span years or even decades. Why Investors Buy Structured Settlements Some recipients choose to sell their future payments in exchange for immediate cash. Investors, in turn, buy these payments at a discount, allowing them to earn predictable returns over time. This creates a win-win scenario: liquidity for the seller, and...

  The Future of Longevity Bonds in Retirement Planning As life expectancy continues to rise, longevity risk has become a pressing concern for retirees and pension funds alike. Longevity bonds have emerged as an innovative solution to address this challenge. In this post, we'll explore what longevity bonds are, their role in retirement planning, and why they matter for the future. Table of Contents What Are Longevity Bonds? Why Longevity Bonds Matter Challenges and Opportunities How to Incorporate Them Into Retirement Planning Conclusion What Are Longevity Bonds? Longevity bonds are debt instruments specifically designed to hedge against the financial risks associated with people living longer than expected. Issued by governments or insurance companies, these bonds provide payouts that increase if a reference population lives longer. This makes them especially useful for pension funds and annuity providers. Why Longevity Bonds Matter With aging populatio...

  The Growing Trend of Investing in Litigation Finance Litigation finance has emerged as one of the most intriguing alternative investment strategies in today’s global market. It allows investors to fund legal claims in exchange for a portion of the financial recovery if the case is successful. This once-niche asset class has grown into a multibillion-dollar industry, attracting hedge funds, private equity firms, and even individual accredited investors. But what exactly makes litigation finance so appealing, and what should you know before jumping in? Table of Contents What Is Litigation Finance? Why Investors Are Interested in Litigation Finance Understanding the Risks and Rewards How to Get Started with Litigation Finance Investments Final Thoughts and Resources What Is Litigation Finance? Litigation finance, also known as legal funding, is a process where third-party investors provide capital to plaintiffs or law firms to cover the costs of litigatio...