Are you investing for your future? Now is the time to develop a plan. We, at Ocean Financial, handle domestic and international accounts for individuals, families, entities, foundations and trusts.
Backed by highly trained and qualified professionals, our team can lead you in the right direction.
Fixed Income Securities
One of our options consists of seeking the balance between capital preservation, income and liquidity through Fixed Income Securities (bonds), which are a debt security. When purchasing a bond, you are lending money to a government, municipality, corporation, federal agency or other entity known as an issuer. In return for that money, the issuer provides you with a bond in which it will pay a specified rate of interest during the life of the bond and to repay the face value of the bond (the principal) when it matures, or comes due.
Mutual Funds
Maybe allow us to look into a Mutual Fund to help grow your wealth? A mutual fund is a pool of money managed by a professional (or a group of professionals) called an “investment adviser.” In a managed mutual fund, after investigating the prospects of many companies, the fund’s investment adviser will pick the stocks (or bonds) and put them into a fund. Investors can buy shares of the fund, and their shares rise or fall in value as the values of the stocks and bonds rise and fall. Investors may typically pay a fee when they buy or sell their shares in the fund, and those fees, in part, pay the salaries and expenses of the professionals who manage the fund.
Equity Securities
Possibly you could consider a slightly more aggressive path, which leads to a more diversified investment portfolio, by investing in Equity Securities (stocks). While stocks have historically performed well over the long term, there’s no guarantee you’ll make money on a stock investment at any given point. Although a number of things can help you assess a stock, no one can predict exactly how a stock will perform in the future. Also, stock prices change often and for many reasons. Therefore, it is very important that you carefully evaluate the risks involved in stock investing before adding stocks to your investment portfolio.
Structured Products
As an alternative you could consider Structured Products, which tend to be a bit more stable. The benefits of structured products may include principal protection, tax-efficiency, reduced volatility and the ability to earn a positive return in a low yield or flat market environment. However, structured products can also be risky due to the credit characteristics of the underlying bond, a lack of liquidity or secondary market, and less than reliable pricing information. Also, many structured products tend to be very complex in nature due to the relationship between the bond component and the derivative. Finally, the fees on structured products tend to be difficult to determine.
Ready to Talk
Do you believe that Estate Planning is only for the wealthy? You shouldn’t, you always need a plan when it comes to the transfer of wealth… and we can help.
Is it possible to use the value of your investments for borrowing? Of course we can assist you, through our networking relationship with our parent company Ocean Bank.
