With 15 years in the investment industry, Scott Russian works as a consultant with SCR Consulting. Receiving his master of business administration in finance in 2006, Scott Russian has experience working with financial portfolios in areas such as implementing policy decisions and asset allocation. In addition, Mr. Russian also conducts independent investment research in areas such as fixed income investing for his clients.

When investing, fixed income investing can be a good option for some, as most fixed income investments provide a regular return on capital. These investments include bank certificates of deposit, bonds, and fixed-rate annuities. Some benefits that this type of investment can provide are a steady stream of income, preservation of capital, and reduced taxes compared to some other investments.

Because most fixed income investments offer dividends at regular intervals, this can be a good way for those wishing to avoid riskier investments such as buying and holding equities. However, like all investments, there is some risk. Not all fixed income investments offer a high enough rate of return to offset inflation, causing the investment to lose real value over time. There is also some liquidity risk, in that a buyer can occasionally be hard to find for these types of investments. Finally, the rate of return should be high enough to warrant the investment in relation to the investor's risk profile and long-term goals.Fixed Income Investing