Investment Funds

Mutual Funds ...

... an investment tool by which you are pooling your money with other investors so as to gain the advantage of diversification, liquidity, and professional money management. A mutual fund is as much an investment itself as it is a way to invest . There are tens of thousands of different mutual funds available to investors, each one is slightly different from the next and some are better at investing your money than others. We can assist you in selecting those that are best suited for your unique investment objectives. Investing in mutual funds does involve risk, including possible loss of principal. Investments in specialized industry sectors have additional risks, which are outlined in the prospectus.

Stocks ...

... an investment that represents your partial ownership in the issuing company. It is corporate ingenuity that creates wealth. The ability companies to bring goods and services that make life easier for us all, is rewarded financially. Through stock ownership, you can own part of these and/or other companies and participate in their future.

Bonds ...

... an income producing investment which specifies a length of time that your money will be invested and a specific rate of income (interest paid) for that period of time, after which, your original principal investment is returned to you. With a bond investment, you lend your money to a government or corporation which pays you to use your money for a predetermined time. In some cases, the interest paid to the investor may be tax free . Investing in bonds involve risk, including possible loss of principal. Investments in specialized industry sectors have additional risks, which are outlined in the prospectus.

CDs ...

... a savings certificate issued by banks. Like bonds, CDs promise to pay a specified rate of interest and repay investors at a specified future date. Additionally, CDs are issued with FDIC insurance to protect investors from loss of principal (if held to maturity) in the case of financial failure of the issuing bank.