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A mutual fund is a pool of money from many different people which is then invested in a portfolio of stocks, bonds and/or other investments to meet a specific objective. They are very attractive to the average person because you can actively participate in a wide range of investments which would be prohibitively expensive on your own. Because mutual funds are managed by professional money managers, you only need to know which funds are consistent with your own goals and tolerance for risk.

How do they work? Instead of buying individual stocks or bonds you are purchasing a share of the fund, making you a shareholder. You can buy and sell shares in mutual funds and while you hold your shares you can participate in the fund’s rewards (increase in value) and risks (decrease in value). Mutual funds are very easy to invest in, although, fees and costs can vary widely.


Since no one can predict the future, the only thing you can do is plan for it. You work hard your entire life so that at some point you can have the choice to do what you want. That could mean kicking back and relaxing, sailing around the world, devoting yourself to your children, grandchildren or a worthy cause or even starting a whole new career. People who retire today can expect to live longer than their parents and grandparents, so here’s a good rule of thumb: live comfortably and plan accordingly. One option that can help you meet your retirement goals is an Individual Retirement Account (IRA).

What is an Individual Retirement Account (IRA)?

An IRA is a stand-alone tax deferred account that enables you to save money for retirement. It can also act as an investment account that gives you a place in which to roll over any employer-sponsored retirement plan assets like from a 401(k) when changing jobs or retiring. Many people open IRAs in addition to any employer-sponsored retirement plans they might have to save for their futures.

How does an IRA work?

You establish an IRA by opening an account through an insurance company, employer, a bank or financial services firm. Your contributions to the account can be made by depositing money from your savings periodically, through payroll deductions or by making a lump sum deposit. Most plans offer you a choice of various funding options including annuities, stocks, bonds and mutual funds tailored to different styles of investors. At age 59½ you become eligible to begin taking distributions from the account which, depending on the account type, may be taxed at that time. Generally there is a 10% penalty for withdrawing funds before you turn 59½.

Mutual Funds are sold by prospectus. For more complete information, please request a prospectus from your registered representative. Please read it and consider carefully a Fund's objectives, risks, charges and expenses before you invest or send money. The prospectus contains this and other information about the investment company.

The information provided herein is for general informational purposes only and is obtained from sources we deemed reliable. It’s accuracy, completeness or reliability cannot be guaranteed. Any strategies described may not be suitable for everyone. This information is not intended as tax or legal advice. Please consult with a qualified attorney or accountant prior to making an informed decision.