Thanks for the sharing. I'm mid 50s and have $200k for investment. My criteria wld be stable sustainable fixed income funds of ard 4 to 5%, that preserve my funds. Someone recommend to look at City Spring, JPMorgan and Allianz. As this is my first time buying, wld like to ask:
a) Do I need to consider the mgmt fees?
b) How and where do I buy and sell such funds? Through bank or broking firm?

Tks.