MUTUAL FUNDS

Mutual Fund FAQs

Why Buy a Mutual Fund?

Mutual funds offer you a diversified investment vehicle without requiring a great deal of money. Your investment and those of other investors with similar objectives are pooled to purchase securities.

A professional manager will closely monitor the securities held within a fund portfolio to determine if they're meeting the objective of that fund. Managers will buy and sell securities in an effort to get the best return for investors while maintaining that objective. There's usually a fee charged by fund companies for the manager's services. Those fees are normally a fraction of what it would cost you to make stock or bond purchases independently. See the prospectus for complete information regarding fees.

Risk Disclosures

Investing involves risk, including potential for loss.

Target-date portfolios have investment objectives that are adjusted over time to be more conservative as the target date (date the investor plans to start withdrawing their funds) approaches. The principal value of the fund(s) is not guaranteed at any time, including at the target date.

Diversification does not assure a profit or protect against loss.

An investment in the Fund is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the Fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the Fund.

AP2013/11/2122

Not FDIC Insured

  • No Bank Guarantee
  • May Lose Value