- How Is Investing for Retirement Different from Other Investing?
- Your Retirement Investment Goal
- Investment Return
- Understanding Risk
- Individual Stocks
- Mutual Funds
- Diversification
- Asset Allocation
Before mutual funds came along, investors wanting to invest in a company had to buy shares of stock in that company. The value of the investment was dependent upon the performance of that one company.
Given the high price of more established, blue-chip stocks, average investors with limited funds buying individual stocks are typically limited to investing in a handful of companies. Because you own shares of stock in only a few companies, your risk is higher than if you owned the shares of many companies.
To purchase individual stocks, you need to open a brokerage account. Full service brokers typically charge commissions, but provide you with more research and information, and are appropriate for investors who desire professional assistance. Discount brokers charge you less but you need to know what stock you want to buy or sell—they are not going to give you advice. Some stocks can be bought directly from the company itself through a dividend reinvestment plan.
| Securities and Insurance Products: | ||
| Not Insured by FDIC or any Federal Government Agency | May Lose Value | Not a Deposit or Guaranteed by the Bank or any Bank Affiliate |
| Investment and insurance products and services are offered through INFINEX INVESTMENTS, INC. Member FINRA/SIPC. Infinex and the bank are not affiliated. Community Wealth Advisors is a trade name of the bank. Products and services made available through Infinex are not insured by the FDIC or any other agency of the United States and are not deposits or obligations of nor guaranteed by insured by any bank or bank affiliate. These products are subject to investment risk, including the possible loss of value. | ||
 |
||