Are your investments diversified? Putting your money in a variety of investment options—diversifying—can reduce your risk. Some investments perform better than others in certain situations. For example, when interest rates go up, bond prices tend to go down. One industry may struggle while another prospers.
Are there any tax advantages to a particular investment? Đang chơi bàiU.S. savings bonds are exempt from state and local taxes. Municipal bonds are exempt from federal income tax. Sometimes, state income tax is exempt as well. Some tax-deferred investments with special goals, including college tuition and retirement, let you avoid paying income taxes or allow you to postpone payments.
More Information on Investing
Find tools to research investments and learn how to avoid investment fraud:
Đang chơi bài, a website from the Securities and Exchange Commission (SEC), offers tips on investing. It also has and a .
The SEC requires public companies to disclose financial and other information. This helps you make sound decisions. You can view these filings on the SEC’s .
Learn the questions to ask when choosing a financial professional. This can help you hire an experienced, trustworthy person who offers financial advice and investment services.
The Financial Industry Regulatory Authority (FINRA) can help you . You can also find up-to-date for stocks, bonds, mutual funds, and other securities.
Check with the for information on investing in coins or coin-related products. Before you invest in collectible coins, research the seller with a government agency, such as your state consumer protection office or the .
Đang chơi bàiLearn about the different types of Treasury securities:
- and Savings Bonds—Securities that offer a fixed interest rate over a fixed period of time
- —Short-term securities that mature between a few days and 52 weeks
- —Medium term securities that mature between one and 10 years
- —Long-term securities, with a 30-year term. These bonds pay interest every six months, until the bond matures.
- —Two-year term securities with variable interest rates
- —Securities with principal values that change based on inflation. They have fixed interest rates for five, 10, or 30-year maturities.
You can buy Treasury securities for yourself or as gifts in several ways:
- Banks, brokers, and other financial institutions
- Online through
- - Invest it in savings bonds through payroll direct deposit.
- - Buy securities directly from the Treasury at an auction.
Has the person had any problems with regulators or received complaints from investors? Đang chơi bài. People on this list have been asked to appear before the SEC federal court. Or, they have been named as defendants in SEC administrative proceedings. Use FINRA's tool to review licensing, employment, and disciplinary actions against financial brokers, advisers, and firms. You may also contact your state securities regulator or the .
How is the person paid? Đang chơi bàiIs it an hourly rate, a flat fee, or a commission that is based on the investments you make? Does the person get a bonus from their firm for selling you a particular product? Independent advisers don’t need to promote specific funds. That way, they can offer you more flexible investment options.
What are the fees for setting up and servicing your account? Firms can charge fees based on the number of trades or the amount of your assets.
Tools to Choose a Financial Planner or Investment Adviser
Use these tips when choosing a financial planner or investment adviser:
Đang chơi bàiThe Commodity Futures Trading Commission (CFTC) allows you to and stay alert for the latest fraud schemes. for questions or to file a complaint.
and how they can help you choose the right financial planner or firm.
Both the and the offer tips on saving, investing, and information about avoiding investment fraud.
Consider Ways to Save
Saving money involves looking for deals and buying the quality items you need at the best price. You can save money by --comparing the prices and quality of products you plan to buy. MyMoney.gov offers and to achieve your goals.
Invest in Long Term Goals
Investing is a way to make money grow, by buying shares of stocks, mutual funds, bonds, or real estate. When you invest, there is risk that you could lose the money you invest. In general, the greater the earnings you can make, the greater the risk. You can save for long term goals, such as and , by investing. for emergencies and short and long term goals, and become an informed investor.
- Find out what your bond is worth today and in the future.
Đang chơi bài - Learn the value and interest earned for savings bonds issued from 1941 to the present.
There is no way to search online for forgotten or unclaimed savings bonds. But you can search for other unclaimed money from the government.
Give Savings Bonds as Gifts
You can give savings bonds for many occasions, such as birthdays, weddings, and graduations. Learn how to give . Keep in mind, paper savings bonds are no longer sold at financial institutions. But, you can buy savings bonds electronically through TreasuryDirect.
Do you have a question?
Đang chơi bài Ask a real person any government-related question for free. They'll get you the answer or let you know where to find it.
Last Updated: September 18, 2020