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Individual Investors
Stocks
A stock represents participation in the ownership of a company. It is indicated by shares, which represent a piece of the corporation's assets and earnings. Buying and selling stock can be puzzling, but it may play an important role by providing potential growth opportunities when positioned properly in a portfolio.
Bonds
Bonds are typically used for investors seeking income. They are debt instruments issued for a period of more than one year. The US government, local governments, water districts, companies and many other types of institutions sell bonds. When an investor buys bonds, he or she is lending money. The seller of the bond agrees to repay the principal amount of the loan at a specified time. Interest-bearing bonds pay interest in varied modes.
Mutual Funds
A mutual fund pools money from a large number of investors to construct a portfolio of stocks, bonds, real estate, and or other securities, according to its prospectus stated objective. Each investor in the fund gets a slice of the total pie. Mutual funds make it easy to diversify. requiring only small amounts of money to get started enabling investors to construct a diversified portfolio much more cheaply.
Exchange Traded Funds (ETFs)
ETFs are best described as a basket of stocks similar to an index mutual fund. However, there are a number of important differences between ETFs and mutual funds. The ETF can be traded within the day, they can be shorted, purchased on margin and there even exists options on some ETFs.
Annuities
A fixed or variable investment issued by an insurance company providing tax advantaged savings to the investor. Variable annuities offer greater upside potential since they provide for investments in subaccounts which may include stocks and bonds, but also have greater downside risk due to volatility of financial markets. Fixed annuities, on the other, generally provide protection against loss of principal and earn a stated rate of interest which is determined by the issuing insurance company.
Insurance
Provides protection against things such as premature death, nursing home, or disability. By making payments in the form of premiums to an insurance company, they then agree to pay an agreed-upon sum to the insured in the event of death, disability, or nursing home confinement.
Financial Solutions
When seeking financial solutions, opinions from an expert are best when searching for strategies to attain certain financial goals, such as retirement, education, tax savings and more.
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