Offering an Array of Investment Solutions
Part of planning for your future involves making educated decisions about managing your wealth and savings. Our Financial Services Representatives have the knowledge to guide you through the increasingly complex roadmap of investments that are available to you in today’s growing financial market.
Your Financial Services Representative can help you develop a plan for your investments that takes these key factors into consideration.
There are three basic types of investments (called asset classes):
are instruments of equity and represent shares of ownership in a company. They rise and fall with investor perception of the company’s potential or other stock market factors, such as the outlook for the company’s industry, the political climate or the strength of the economy.
are instruments of debt that represent loans issued by the government or a company. Investors who purchase bonds receive from the issuer a stated rate of interest and the promise of repayment of the principal amount when the bond reaches its stated maturity date. Interest-rate movements up or down typically have the greatest impact on bond prices.
are low or no-risk investments that generally have lower expected yields than stocks, bonds, and other investments—cash-equivalents may not yield enough to keep up with the rate of inflation. Cash-equivalent investments include the following:
Certificate of Deposits (CDs)
represent fixed, interest-bearing time-deposits with a bank or other FDIC-insured institution.
Money Market Accounts
represent portfolio-based investments that derive their value and generate interest by purchasing a variety of short-term debt instruments, including Treasury bills, CDs, banker’s acceptances, and commercial paper.