At a glance:

• Many traditional CDs are issued by banks with high credit ratings, providing you with a lower risk product
• Popular with capital preservation strategies
• Many options for long-term interest accumulation
• Traditionally designed to outpace the rate of inflation more effectively than traditional savings accounts

Learn More

At a glance:

• Pay interest based on an underlying index (i.e. S&P 500)
• Enjoy investment returns similar to the stock market, with less risk of capital loss
• If the market does well, your interest may exceed the rate of traditional CDs
• If the market declines, your principal is protected but you might receive little to no interest
• MCDs vary from traditional bank CDs and you should understand the differences and risks prior to investing

Learn More

At a glance:

• Tied to investment companies that invest in highly liquid securities
• Higher risk than CDs
• Allow access to low-risk securities typically only available to large investors
• Available for “sweep option” automated purchases
• No maturity dates, capital is readily available without penalty
• Seek to maintain a $1.00 per share value, though this is not guaranteed

Learn More

At a glance:

• Securities backed by a pool of mortgages and issued to the public.
  • Also referred to as Real Estate Mortgage Investment Conduits (REMICs)
• A long-term investment with variable degrees of risk
• Potential for steady payments and a higher yield over comparable fixed-income securities

Learn More

At a glance:

• A proportional ownership interest in a corporation
  • Generally Liquid (transfer shares at will)
  • Limited Liability
• Savvy investors rely upon a deep understanding of market history, trends, business dynamics and human nature
• Those who succeed are both nimble and patient
• For every goal, there are many investment strategies to help get you there

At a glance:

• Debt certificates issued by a corporation to raise funds for various business purposes
• Regular fixed-rate interest payments, though not guaranteed
• Priority over common stockholders in the event of corporate bankruptcy
• Generally intended as a long-term investment

Learn More

At a glance:

• Debt instruments issued directly by the U.S. Government
• Portfolio may include Marketable (T-bills, Bonds, Notes, etc.) and Non-Marketable (Savings Bonds) assets
• Low default risk
• Inflation protection
• Interest generally taxable only at Federal Level²

Learn More

At a glance:

• Federal Agencies
  • Owned by U.S. Government, issue debt on their own behalf
  • Ginnie Mae is one of the largest
  • Fully backed by faith and credit of the U.S. Government
  • Wide maturity range (3 months to 30 years)
  • Interest taxable at Local, State and Federal Levels
• Government Sponsored Entities
  • Corporations created by Congress
  • Fannie Mae, Freddie Mac, Sallie Mae, and others
  • Not fully backed by the U.S. Government
  • State and local tax obligations vary by state

Learn More

At a glance:

• Debt obligations of local entities
  • Often for infrastructure improvements
• Tax implications vary²

Municipal Bonds¹

• General Funds
  • Lower risk - backed by credit of city
• Revenue Funds
  • Yield varies on potential profit from toll revenue

Municipal Bond Funds

• Built-in diversification
• Lower minimum investment levels

Learn More

At a glance:

• Investment in a portfolio of securities based upon a company’s objectives
• Diversification opportunities with lower transactional costs
• Active management possibilities

At a glance:

• A contract whereby the contract buyer holds the right to purchase or sell an underlying asset to or from the contract seller at a certain price within a certain timeframe
• For sophisticated investors
• Useful for various strategies, depending on the contract type: hedging, leverage, protection; please contact us for details, and read the Options Disclosure Document available prior to investing. Visit www.theocc.com for more information.
• Get the 411: visit www.888options.com, a great source of educational information provided by the Options Industry Council

For more information on your Employee Stock Plan, click here.

Please refer to the Options Disclosure Document provided to you upon approval or available here for more information.  Supporting documentation will be provided upon request.

Learn More

For more information on exercising your Employee Stock Options, click here.

At a glance:

• Stocks or Bonds being offered for the very first time
• New offerings by currently listed companies
• Distributions regulated by the Securities and Exchange Commission (SEC)

StockCross helps you stay in the know about upcoming New Issues. Request a preliminary prospectus and express interest in advance, so you can take advantage of these opportunities as they become available.

Learn More

At a glance:

• A portfolio of fixed securities that have a defined life period
• Portfolio is unmanaged, securities are rarely sold or added
• Securities typically include:
  • Stocks (for capital appreciation and dividend income)
  • Bonds (for steady monthly income and principal security)
• Units of the portfolio can generally be resold in the secondary market, where the price will vary based on current economic conditions
• Tax advantages: shelter from unrealized capital gains²

Learn More