Portfolio Management

• Our Investment Management Services Include:
  Helping clients determine the amount of investments needed to achieve their goals
  Advising clients, the types of accounts and products most appropriate for them
  Recommending investment strategies appropriate for a client's time horizon and risk tolerance
  Building diversified portfolios across market sectors and asset classes
  Rebalancing portfolios to maintain target asset allocations
  Monitoring and minimizing fees and expenses
  Working with our clients' accountants, attorneys, and other advisors to coordinate services
  Discouraging market timing and helping prevent our clients’ from making emotional, rather than rational, investment decisions
  Facilitating transfers, withdrawals, contributions, and other transactions
  Keeping our clients informed with a review of their accounts
  Educating our clients so they are comfortable with, and fully understand, the strategies implemented
  Making ourselves available to answer questions and address any issues as they arise

What is an Investment? 

An investment is an up-front commitment of capital to purchase financial products with the intention of generating future profit based on interest or appreciation of the capital invested. Most investments also contain the risk that investors may lose part of or all their investment. Investors should be aware of the risk/return potential of any investment products they consider for purchase, as typically the greater the return potential of a given investment, the greater the risk potential. Investors should also consider their own comfort with risk, the length of time they must invest, the fees charged by the investments they are considering, and their goal for the investment when making investment decisions.

The financial market offers a wide variety of different investment products for investors to purchase—from straightforward investment types (securities) like stocks, bonds, and short-term/cash-equivalent investments to portfolios that combine these investment types within various products, such as mutual funds, annuities, and variable life insurance policies.

Investors may choose different investment products to meet a variety of needs, including retirement and estate planning, education financing and funding purchases of all sizes. Financial Services Representatives can help select appropriate investment products based on an investor’s goal for the investment, individual profile (comfort with risk, length of time to invest) and a product’s fees and tax considerations (many investment products have built-in tax advantages).  

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):

Stocks 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.
Bonds 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.
Short-term/cash-equivalents are low- or no-risk investments that 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 Deposit (CD)s 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, bankers' acceptances, and commercial paper. 

Investing is also about taking steps to protect your financial future. Investors should develop a plan that addresses specific short-term and long-term goals and that can be maintained and adjusted, as appropriate.

On the road to financial independence, you don’t have to go it alone and risk making the wrong projections. If you don’t have expertise in financial products and planning, a Financial Services Representative can help you make educated decisions and develop a plan.

CRN202209-271451