Most investors simply don’t have the resources to invest in a sufficient number of individual stocks and bonds to properly diversify their portfolio. By pooling the money of many investors, a mutual fund is used to purchase hundreds of individual stocks, bonds or other securities through a single investment, with each investor receiving an ownership percentage of the underlying investments.
Some mutual funds, known as Target Date Funds1, automatically adjust their mix of stocks, bonds and cash over time, according to a pre-determined retirement date that the fund is designed to meet – essentially becoming more conservative as retirement nears.
Learn how our SunTrust SummitView goals-based planning approach can give you a clear view into all your stocks, bonds, retirement and savings accounts, allowing you and your advisor to better align your investments to your goals and objectives.
* Diversification does not ensure against loss and does not assure a profit.
Mutual Fund Values fluctuate so that an investor’s shares, when redeemed, may be worth more or less than their original cost.
Investors should consider the investment objectives, risks and charges and expenses of a mutual fund carefully before investing. A prospectus which contains this and other information can be obtained from your financial professional. Please read the prospectus carefully prior to investing. Past performance cannot guarantee future success. Diversification is no guarantee against loss. Mutual Fund values fluctuate so that an investor’s shares, when redeemed, may be worth more or less than their original cost.
1The target date in the name of the fund is the approximate date when an investor plans to start withdrawing money and the principal value of the funds is not guaranteed at any time, including the target date.
In 2017, Americans gave more than $358 billion to charity with nearly three-quarters of that amount coming directly from individuals. And while much of these donations come in the form of direct cash gifts, more and more individuals are turning to planned.
Learn the differences between traditional IRAs and Roth IRAs for the 2019 tax filing season.
The financial obligations associated with caring for an aging parent can often coincide with other priorities. Of course you want to help out when possible; just don’t jeopardize your own future.
Faced with the potential to live 30+ years in retirement, the traditional approach to retirement income may no longer make sense.
Big life changes can dramatically change how much money you’re able to save each month. Keep in mind these rules of thumb when life shakes things up.
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