INVESTING

Wealth is built through investing! With so many ways to invest, it is important to educate yourself and only do what makes you comfortable.

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What is your Risk Tolerance?

Conservative

Moderate

Aggressive

You like to play it safe! You rather keep your money safe, even if it means your investment grows slowly.

You want to balance risk and reward! You want your money to grow, but you also want to make sure they don't lose too much if things go wrong.

You want high returns, even if it means higher potential losses. You know you could lose money in the short term, but you hope it will pay off with big gains over time.

And here’s where you can put your money to grow based on your risk tolerance

Conservative Investments

Saving Accounts
High-Yield Savings Accounts
Government Bonds

Moderate Investment

401(k) or IRA
Index Funds
Mutual Funds
Corporate Bonds
Real Estate Investment Trusts (REITs)

Aggressive Investment

Cryptocurrency
Individual Stocks
Leveraged ETFs

WARNING!

Here are some common mistakes people make when investing.

Putting all your eggs in one basket.

Relying too much on one type of investment can expose you to higher risks.

Instead, learn how to diversify...

Spread your investments across different types of assets—like stocks, bonds, and real estate—to balance risk.

This way, if one part of your portfolio suffers, other investments can help protect you from significant losses.

Underestimating the impact of losses.

When your investments lose value, recovering from those losses can be more difficult than it seems. For example, if your portfolio drops by 50%, you will need a 100% gain just to get back to where you started.

Instead, focus on minimizing losses...

Be cautious with high-risk investments, especially if you are approaching retirement because you won't have enough time to recover your losses if ever.

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Counting on consistent returns year after year.

No one can predict the stock market, returns won’t show up like clockwork every year. If you experience poor returns in the early years of retirement while withdrawing money, your nest egg could be depleted faster than you expect. Take Chris' and Sam's portfolio as an example

Instead, plan ahead for market fluctuations.

Keep a cash cushion or safer investments for the early years of retirement so that if the market takes a dip, you won’t have to sell off your investments at a loss. This gives your portfolio the breathing room it needs to bounce back while you enjoy your retirement without financial stress.

How Do You Want to Manage Your Investments?

Choose the investment approach that best aligns with your financial goals, personal investment style, and risk tolerance.

Passive

(Buy and Hold Strategy)

NFollows the Market Index
NLower Cost Investing
NDesigned for Long Term
NLess Effort Required

VS

Active

(Buy and Sell Strategy)

NTries to Beat the Market
NHigher Cost Investing
NFocuses on Short-Term Opportunities
NRequires More Involvement

u

What do you want from your investments?

This is Alex. He wants stable income from his investments.

Alex is nearing retirement and wants a steady cash flow to cover daily expenses without draining his savings. He likes the peace of mind that comes with a predictable income, just like getting a regular paycheck.

Where you can invest like Alex?

Dividend-Paying Stocks
Bond
Real Estate Investment Trusts (REITs)
Fixed Annuities
Certificates of Deposit (CDs)
Preferred Stocks

This is Taylor. She wants to grow her money through investments.

Taylor is in her 30s with a stable job and no immediate need for extra cash. Her main goal is to grow wealth over time for things like buying a home or ensuring a comfortable retirement down the line.

Where you can invest like Taylor?

Growth Stocks
Index Funds
Exchange-Traded Funds (ETFs)
Real Estate
Mutual Funds

70% of people who start investing early reach their goals faster—what’s your next move?

Remember, every smart investment is a step closer to your financial freedom!

KNOW YOUR INVESTMENT OPTIONS TODAY!