Investors have seen the recent headlines: Historic low yields in U.S. Treasury bonds and negative interest rates in some international bonds. Even the S&P 500 yields less than half its historic average in dividends annually. Low interest rates are great for some things, like mortgages and loans for borrowers, but not so great for investors. For income-focused investors especially, this era of low rates potentially leaves two choices for a portfolio: Earn little or nothing on low-risk investments like government bonds and money market accounts or chase much riskier assets with higher yields, like low-grade corporate bonds.

A recent Forbes survey of 500 individual investors found that this era of low rates is causing worry: 30% are concerned that their current or future income may be lower than they want and another 24% are worried about the growth of their capital. A quarter of all investors are less than confident

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