- How Is Investing for Retirement Different from Other Investing?
- Your Retirement Investment Goal
- Investment Return
- Understanding Risk
- Individual Stocks
- Mutual Funds
- Diversification
- Asset Allocation
When you work on your retirement investment strategy, one of the key issues is the rate of return you expect to earn on your money. Historically, different investments or asset classes have achieved different rates of return over different time periods. When you compare the returns on common stocks, bonds and cash, common stocks have had the highest rate of return over a long period of time. Cash and cash alternatives, which provide safety of principal and pay interest, have provided the lowest long-term rates of return. If your risk tolerance is low, you'll need to assume a relatively low rate of return on your investment when you do your planning. Likewise, if your risk tolerance is higher and you have a long-term time horizon, investing in common stocks or stock mutual funds will allow you to assume a higher rate of return for planning purposes. But remember, a higher rate of return does not come without some risk.
- ARE NOT A DEPOSIT
- ARE NOT FDIC-INSURED
- ARE NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
- ARE NOT GUARANTEED BY THE BANK
- MAY GO DOWN IN VALUE
Important information about procedures for opening a new account
To help the government fight the funding of Terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.
What this means to you: When you open an account, we will ask you for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
Investment products are offered through Osaic Institutions, Inc., Member FINRA/SIPC. Insurance products offered through Osaic Institutions, Inc.
