Conventional wisdom says that what goes up must come down. But even if you view market volatility as normal, it can be tough when your money is at stake. Although there’s no foolproof way to handle the swings, the following common-sense tips can help:
Don’t put all of your eggs in one basket — Diversifying your investment portfolio is essential, because asset classes often perform differently under varying conditions. Spreading them across stocks, bonds, and cash alternatives can help reduce your overall risk.
Focus on the forest, not the trees — Try not to become too concerned about day-to-day returns and keep your eyes on your long-term goals.
Don’t count your chickens before they hatch — As many investors learn the hard way, being overly optimistic about investing during the good times can be as detrimental as worrying too much during the bad. The right approach is to be realistic. Have a plan, stick with it, and strike a comfortable balance.
Your membership puts the expertise of a CFS Financial Advisor, located at America First Financial Solutions, at your service. Please call 1-800-999-3961 for a no-cost, no-obligation appointment or email your request to email@example.com.
*Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (CFS), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk, including possible loss of principal. Investment representatives are registered through CFS. The credit union has contracted with CFS to make non-deposit investment products and services available to members.
Choose America First Financial Solutions to provide your family with:
• Retirement planning
• Many other high-quality products & services
Your membership puts the expertise of an investment representative, located at America First Credit Union Financial Solutions, at your service. Please call 1-800-999-3961 or send an email to firstname.lastname@example.org for a no-cost, no-obligation appointment.
Non-deposit investment products and services are offered through CUSO Financial Services, L.P. (CFS), a registered broker-dealer (Member FINRA/SIPC) and SEC Registered Investment Advisor. Products offered through CFS are not NCUA/NCUSIF or otherwise federally insured, are not guarantees or obligations of the credit union, and may involve investment risk, including possible loss of principal. Investment representatives are registered through CFS. The credit union has contracted with CFS to make non-deposit investment products and services available to members.
At America First, we provide a diverse range of vehicles that can help you ensure your resources are there for you during all of life’s important stages.We also provide Individual Retirement Account (IRA) investment accounts through CUSO Financial Services, L.P. (CFS).
IRAs are certainly one of the most powerful tools available to you. Even if you’re contributing to a 401(k) or other plan at work, you should also consider investing in an IRA.
Traditional IRAs: The only requirements for opening and contributing to a traditional IRA are having taxable compensation or earned income through employment, and you have to be under age 70½. Deposits can have significant tax advantages if you quality. Annual distributions are required after the age listed above until the funds are exhausted.
When you think of home loans, think America First…first.
Just take a look at our Fixed for Five Equity Line of Credit:
• Rates as low as 3.74% APR*
• No closing costs
• Available funds when you need them
• Fixed rate adjusts only once every five years
• Perfect for recurring expenses
Apply in minutes here or stop by a branch near you.
*On approved credit, subject to change, terms & conditions. Equal Housing Lender.
We have all your home loan needs under one roof.
Apply at an America First location near you for the best in affordable:
• Home Equity Loans
• Home Equity Lines of Credit
• Construction & Lot Loans
Click here to learn more.
Look to us — first — to save on your next vehicle purchase or refinance.
• Loan rates as low as 2.99% APR
• Flexible terms and payment options
• The best in quality service
• And more
When you make a career switch, you also need to decide what you’re going to do with your 401k.
Should you leave the funds where they are or take your plan with you? Should you roll the money into an Individual Retirement Account (IRA) or transfer it to your new employer? Here are some choices:
• Take the money and run — You can withdraw your 401k in a lump sum and use the funds to meet expenses or invest elsewhere. Because these distributions involve complex tax issues, it’s always wise to consult a professional for more information.
• Another option is to simply leave resources in your old employer’s 401k and let them grow tax-deferred. However, you may not always have this opportunity, because some companies require you to take your money or withdraw it once you reach normal retirement age.
Home is where the heart is.
And it’s where the cash is, because you’re building equity 24/7.
Turn it into serious green with an America First loan:
- Low rates
- Flexible terms
- No closing costs or annual fees
- Potential tax advantages
Now’s a great time to make those upgrades, consolidate your debt — pretty much take care of anything you need.
Apply for your Home Equity Loan or Line of Credit today.
Equal Housing & Opportunity Lender.
equity every day, 24/7.
A low-rate America First Home Equity Loan or Line of Credit can turn it into some serious green.
Which means money you can use to finance improvements, make upgrades, go on your dream vacation, consolidate debt — pretty much whatever you need.
With values going up and loan rates staying low, there’s never been a better time to take advantage of these resources.
Apply online here or visit a branch near you for additional information.
Equal Housing & Opportunity Lender.