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Investments

Investing isn't a sprint - your final stretch could last decades, and so should your investment strategy.

 
Have questions? Your StockCross Investment Representative is standing by to help you, In Person, By Phone, or online via E-mail or Live Chat.

Directory of Offerings

Certificates of Deposit (CDs)

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

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Market Linked Certificates of Deposit (MCDs)

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

Money Market Funds

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

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Collateralized Mortgage Obligations

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

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Common Stocks

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

Corporate Bonds1

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

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Government Securities

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

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Government Agency Securities

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

State and Municipal Securities

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

Mutual Funds (Managed Investment Companies) 

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

Options

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.


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Employee Stock Plans

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

Select New Issues

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.

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Unit Investment Trusts (UITs)

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


1Bonds are subject to various risks, including changes in interest rates, credit risk and prepayment risk. Typically, as prevailing interest rates rise, fixed income securities prices will fall. Credit risk: a decline in the issuer's credit rating, or creditworthiness, will generally cause a bond's price to decline. High yield bonds carry other risks: increased risk of default and greater volatility because of the lower credit quality of the issues. Prepayment risk: if interest rates fall, an issuer may choose to borrow money at a lower interest rate, and pay off previously issued bonds. Holders of those bonds will lose the interest payments from the investment and will be forced to reinvest in a market where prevailing interest rates are lower than when the initial investment was made.

2StockCross Financial Services does not provide tax or legal advice. This material is not intended to be used and cannot be used for the purpose of avoiding penalties that may be imposed by law. Please seek advice based on your particular tax circumstances from an independent tax advisor.

For more information, please contact your Investment Specialist.

For more information about the risks and benefits of fixed income investing, please review the "Smart Investing" section of the Financial Industry Regulatory Authority (FINRA) and the "Learn More" section on investinginbonds.com, a resource of the Securities Industry and Financial Markets Association (SIFMA) to help inform investors. For more information on municipal bonds, please access the "Education Center" section of emma.msrb.org, the Municipal Securities Rulemaking Board's (MSRB) official source for Municipal Disclosures and Market Data.


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Brokerage Products and Services offered by StockCross Financial Services, Inc. - Member FINRA and SIPC.

Investors should consider the investment objectives, risks, charges and expenses carefully before investing. The prospectus and, if available, the summary prospectus contain this and other information about the investment company.  To obtain a prospectus contact StockCross at 800.225.6196. Read the prospectus carefully before investing.

Options involve risk and are not suitable for all investors. Detailed information on our policies and the risks associated with options can be found in the StockCross Options Application and Agreement, Customer Agreement, and by downloading the Characteristics and Risks of Standardized Options, and 2012 Supplements from The Options Clearing Corporation, or by requesting a copy from StockCross free of charge. 

Margin trading involves interest charges and risks, including the potential to lose more than deposited or the need to deposit additional collateral in a falling market. The Margin Disclosure Statement and Agreement (PDF) is available for download, or by requesting a copy from StockCross free of charge. 

Testimonials may not be representative of the experience of other clients and are no guarantee of future performance or success.

Copyright StockCross Financial Services, Inc. 2016.