Basic Principles of Investing
- Introduction
- Fund Your Retirement Plans First
- Liquidity Needs
- Deposit Insurance
- Money Market Funds*
- Savings Bonds
- Emergency Funds
- Goals and Time Horizon
- Defining Risk
- What's Your Risk Profile?
- Why Take Any Risk?
- Asset Allocation
- Dollar-Cost Averaging
- Portfolio Management
- Buying Investments
- Putting It All Together
Putting It All Together
Investing is an ongoing process; it is not something you do once and forget about. Make a commitment to remain active in managing your portfolio in order to maximize your returns. Use this checklist to stay on the right track:
- I have money set aside for emergencies.
- I've taken care of my retirement needs first.
- I know my risk tolerance.
- I know my time horizon.
- I've written down my investment goals.
- I have my asset allocation, and I am taking steps to make my investments fit into it.
- I've read the sections on different types of mutual funds.
- Taking my risk tolerance into account, I am investing in a variety of stock and bond mutual funds, diversifying to get the best return for the least risk.
- I'm keeping the statements I get concerning my mutual fund investments.
No one's portfolio is ever perfect. Where you are now and where you should be may be quite different. Remember to consider dollar-cost averaging. You may want to move slowly from where you are to where you should be; divide the amount that needs to be moved into quarters and move one quarter every six months. Staying on top of your asset allocation is a key to successful investing.
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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.
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- ARE NOT FDIC-INSURED
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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.