FOR IMMEDIATE RELEASE

Diversifying a Portfolio by Investing in Low Risk, Fixed Income Bonds

StateTrust specializes in providing a complete range of financial products, services and strategies to help

its clients to grow and preserve their net worth, while reaching their investment objectives and financial

goals.

Miami, Florida, USA – March 5, 2014 – StateTrust’s fixed income desk can help clients trade more than

25,000 bonds from all major regions of the world, from the developed markets of the U.S. and Western

Europe to emerging markets in Latin America, Eastern Europe, Middle East, Africa, and Asia, keeping

clients up-to-date with events happening in the fast-changing bond markets.

A bond is a debt security, in which the authorized issuer (debtor) owes the holders (lenders) a debt and,

depending on the terms of the bond, is obliged to pay interest (the coupon) and/or to repay the

principal at a later date, termed maturity. A bond is a formal contract to repay borrowed money with

interest at fixed intervals.

Bonds can be issued in foreign currencies. Issuing bonds denominated in foreign currencies allow issuers

to tap into investment capital available in foreign markets. Some foreign issuers look to diversify their

investor base away from their domestic market.

Historically, adding bonds to a portfolio comprised of stocks and cash equivalents has reduced portfolio

volatility without sacrificing the level of return.

The price of a bond is influenced by interest rate expectations, current market interest rates, maturity or

length of the term and creditworthiness of the issuer. These factors are likely to change over time, so

the market price of a bond will vary after it is issued. This price is expressed as a percentage of nominal

value. Bonds are not necessarily issued at par (100% of face value, corresponding to a price of 100), but

bond prices converge to par when they approach maturity (if the market expects the maturity payment

to be made in full and on time) as this is the price the issuer will pay to redeem the bond.

Depending on the issuer, there are usually two types of bonds. Corporate Bonds are issued by

companies and offer higher yields because there is generally a higher risk of a company defaulting than

a government. Government Bonds are issued by a sovereign state and depending on their maturities

they can be classified as Bills (less than a year), Notes (1 to 10 years) and Bonds (more than 10 years).

Additionally, Bonds can be categorized by the geography or region of the issuer as domestic bonds,

international bonds, emerging market bonds or Asian bonds.

The quality of a Bond is influenced by a variety of factors. Some factors are directly dependent to the

issuer's ability to meet its financial obligations and other factors are dependent on the issuer’s

environment, such as country regulations, currency and political environment. All these factors can

cause a change in the bond's rating.

ABOUT STATETRUST

StateTrust is a privately owned financial institution specializing in wealth and investment management.

It operates in the United States through StateTrust Capital LLC, an investment advisor firm and

StateTrust Investments Inc., a registered broker-dealer.

If you are interested in more information about StateTrust Wealth Management services or for further

information about this release, please contact:

StateTrust Group

800 Brickell Avenue, Suite 100

Miami, FL 33131

(305) 921-8100

www.statetrust.com