Q: The bonds in my portfolio have struggled lately. What should I be doing with them? – G.I., Orlando

A: As interest rates rise, bond prices typically fall. If you have high-quality individual bonds you still want to hold, you will receive your principal back at maturity if those bond issuers are still viable. But an increase in interest rates also means investors are receiving a better return on newly issued bonds. Consider adding to them as long as they meet your rate of return requirement in the short term.  – Colby Winslow

Q:  How can I help my children get started with investing while stock market values are below market highs? – C.C. Altamonte Springs

A:  Parents or relatives can open a Uniform Transfers to Minor Act account in the name and Social Security number of their child and invest the funds for their child.  When the child turns either age 21 or 25 the child will take over the account.  – Charlie Fitzgerald, III

Questions are answered by Certified Financial Planners from the Financial Planning Association of Central Florida. Answers are for educational purposes only; you should also consult a financial professional. Questions and answers may be edited for space considerations.