Zero-Coupon Bonds

A zero-coupon bond (also called a discount bond or deep discount bond) is a bond bought at a price lower than its face value, with the face value repaid at the time of maturity It does not make periodic interest payments, or have so-called "coupons," hence the term zero-coupon bond. Investors earn return from the compounded interest all paid at maturity plus the difference between the discounted price of the bond and its par (or redemption) value.

An investment in a zero coupon bond can be a valuable tool for increasing portfolio diversity and complementing plans such as college, estate, and retirement planning. Integral Financial can help you seek investments in these zero coupon bonds to build a stable portfolio through predictable returns.

Features of a Zero Coupon bond:

• Provide potential growth if securities are held until maturity.
• Low minimum investment.
• Automatic compounding of interest

Corporate Bonds

A bond issued by a corporation. Corporate bonds can fulfill the need for a more diversified, fixed-income portfolio. Consider these bonds to help increase your income and your overall earnings potential. Integral Financial offers you a wide range of corporate bond selections, so you can choose the one you like to help balance your portfolio.

Features of a Corporate Bond:

• Flexibility in a wide range of ratings and yields related to financial health of issuers.
• Corporate bonds pay interest periodically.
• Payments to bondholders have priority over payments to stockholders.

Inflation-protected notes

It is a investment alternative created to assist in offsetting the effects of inflation. Interest payment is adjusted periodically to reflect changes in inflation. Because the effects of inflation can erode the real value and purchasing power of payments received in the future, it is a good alternatives for investors who rely on the stability and predictability of fixed-income investing, finding ways to limit or mitigate the effects of inflation.

Agency bonds

For investors who accept less security than direct U.S. government backing, these Agencies normally offer a combination of higher quality, higher yield and higher liquidity. Integral Financial provides a wide range of structures to fulfill different customers' needs. Several largest Agencies are Federal Home Loan Bank, Federal Home Loan Mortgage Corporation "Freddie Mac", and Federal National Mortgage Association "Fannie Mae".

Municipal bonds

Bond issued by a state, city, or local government. Municipalities issue bonds to raise capital for their day-to-day activities and for specific projects that they might be undertaking. The major benefit of a municipal bond is its tax-free feature. Interest paid on a municipal bond is free from federal taxation and sometimes even state and local taxes. For those investors look for investments with tax-free returns, dependability, and relative safety, Integral Financial provides you with this convenient investment to balance the risk in your portfolio.

Features of a Municipal Bond:

• Interest income is exempt from federal income tax and may also be exempt from state and local taxes.
• Yields on municipal bonds are often lower than corporate or treasury bonds with comparable maturities, because of the important advantage of not being taxed at the federal level.
• In general, municipal bonds are considered safer than corporate bonds.
• Some municipal bonds can also be insured by outside agencies. These companies will pay the interest and principal if the issuer defaults. Both issuers and bondholders can carry this insurance, though a bondholder would need to have a large stake to get the coverage.