INVESTING MADE SIMPLE

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "INVESTING MADE SIMPLE"

Transcription

1 Investing Fundamentals INVESTING MADE SIMPLE AN EDUCATIONAL GUIDE FOR EVERY INVESTOR. INVEST WITH CONFIDENCE. HuntingtonFunds.com 1

2 1

3 Your Guide to the Basics of Investing Through Mutual Funds Mutual funds are an indispensable part of the American financial landscape. Institutional and individual investors across America including nearly half of all households have entrusted more than $11.6 trillion to these investments.* The key to the universal appeal of mutual funds? They provide a convenient and affordable way to invest in a diversified, professionally-managed portfolio of investments to help you meet your long-term goals. The Huntington Funds bring these compelling advantages to investors through a broad family of mutual funds that provide access to key financial markets: fixed income, tax-exempt fixed income, equity and international, including emerging markets and specialty alternative strategies. Huntington Funds are managed by professionals averaging 25 years of investment management experience. Looking for an easier, cost-effective way to build your investment portfolio? Huntington funds offers a variety of growth, income and specialty funds that can put your money to work under the watchful eyes of our professionals. A Few Words About Risk Stocks have historically outperformed other asset classes over the long-term, but tend to fluctuate more dramatically over the short-term. Bonds are sensitive to interest rate movements. Their prices, and thus the share prices of funds that invest in them, generally move in the opposite direction from interest rates. Investing in foreign issuers and non-dollar securities may involve additional risks due to various legal, political, economic and currency-related factors. Some Funds are subject to the risks associated with its investments in emerging market securities, which tend to be more volatile and less liquid than securities traded in developed countries. Not A Deposit Not FDIC Insured Not Insured By Any Government Agency No Bank Guarantee May Lose Value * Investment Company Institute (03/2012) 3

4 The Growth of Money Over Time? Most people invest to help achieve a variety of personal goals. Whether you d like to buy a home, send your children to college or someday retire comfortably, growing your assets over time can be an important goal for any investment portfolio. To meet their growth objective, people have typically invested in the stocks of public corporations. This is also referred to as investing in equities. When you buy a stock, you have an actual ownership interest, or equity, in the company. As the company grows its sales and profits, the price of its stock is expected to grow as well. Historically, stocks have outperformed other types of securities, such as bonds and money market instruments, helping investors build their wealth over time. However, stocks may also experience what s referred to as volatility the risk of ups and downs in their values due to economic conditions or other factors that can affect the market as a whole, a particular industry or the individual company issuing the stock. Because their prices may fluctuate more than other types of investments, stocks are best suited for investors with a longer time horizon. Just as there are many different kinds of companies, there are also many different kinds of stocks, referred to as market segments, all with their own characteristics. The stocks of larger, more stable companies may be slow-andsteady growers, often paying income in the form of quarterly dividends. Small companies stocks can provide faster growth, but sometimes with a few bumps in the road. Value vs. Growth Stocks Value Stocks Sell at a price that is judged to be less than their underlying worth due to temporary events or market conditions; sometimes referred to as out of favor Generally represent stable and mature companies with average prospects for growth Many pay regular dividends Growth Stocks Considered to be more aggressive than value stocks May appreciate further in price, due to favorable market conditions, or new products or services; may also tend to be more volatile Many do not pay dividends 4 HuntingtonFunds.com

5 Key Characteristics of Different Segments of the Stock Market Large-Cap Stocks Issued by large, established companies, with proven track records and typically with a market capitalization of more than $10 billion Represented by the popular U.S. benchmark known as the Standard & Poor s 500 Index 1 Generally pays regular dividends Mid-Cap Stocks Issued by mid-sized companies, typically with a market capitalization between $1 billion and $10 billion Have the potential for greater growth than more conservative, large-company stocks Potentially less volatile than more aggressive, small-company stocks Small-Cap Stocks Issued by small companies with a market capitalization of less than $1 billion Have the potential for higher returns over time in exchange for a higher level of risk and volatility as compared to stocks issued by large, well-established companies International Stocks Issued by companies located outside of the U.S. and may provide additional diversification as well as solid return potential Can provide opportunities to participate in world marketplace growth Potential additional volatility due to political and currency risks May be a good choice for long-term goals like retirement especially when retirement is many years away Level of Risk HIGHER RISK AND HIGHER POTENTIAL RETURNS LARGE-CAP STOCKS $10 Billion + MID-CAP STOCKS $1 - $10 Billion SMALL-CAP STOCKS <$1 Billion Risks associated with stocks typically increase the smaller the market capitalization Mid-cap investing involves greater risk not associated with investing in more established companies, such as greater price volatility, business risk, less liquidity and increased competitive threat. Small-Cap investing involves greater risk not associated with investing in more established companies, such as greater price volatility, business risk, less liquidity and increased competitive threat. Investments in international markets present special risks including currency fluctuation, the potential for diplomatic and political instability, regulatory and liquidity risks, foreign taxation and differences in auditing and other financial standards. Risks of foreign investing are generally intensified for investments in emerging markets. HuntingtonFunds.com 5

6 1

7 Huntington Funds Growth Funds Investing in Huntington s growth funds gives you an easy way to take advantage of a broad array of stocks with various characteristics and benefits. Seeks growth from leading companies with products and services that are household names Huntington Growth Fund PURSUES: Long-term capital appreciation by investing primarily in U.S. equity securities INVESTS IN: Common stocks of medium- to large-sized companies with the potential for growth in earnings and dividends. The Fund focuses on stocks that have proven track records, with products that America depends on and investors use every day. SUITABLE FOR: Investors with a long-term investment horizon seeking growth of principal Seeks growth opportunities beyond U.S. borders Huntington International Equity Fund 2 PURSUES: Total returns by investing in foreign stocks with the potential for superior long-term returns INVESTS IN: Stocks issued by international companies, focusing on stocks of companies chosen from more than 25 countries in Europe, Asia and the Americas SUITABLE FOR: Investors who are looking to complement their U.S. stock holdings with international stocks. Combining international stocks with U.S. investments may lower the overall risk of the portfolio, because international and U.S. markets do not typically move in lock step. Seeks to diversify with a range of mid-cap stocks Huntington Mid Corp America Fund 3 PURSUES: Long-term capital appreciation INVESTS IN: Primarily stocks issued by mid-sized companies. The Fund delivers two levels of diversification by: 1) investing in stocks with the expectation of significant earnings growth and the potential for price appreciation, and 2) holding approximately 120 stocks. SUITABLE FOR: Investors seeking capital appreciation who are interested in complementing their large-company stock investments with investments in mid-size companies. Seeks an aggressive approach to stocks Huntington Situs Fund 2,4 PURSUES: Long-term capital appreciation INVESTS IN: A strategic combination of U.S. and foreign companies whose situs, or geographical, political and/or demographic positions appear to give them a competitive advantage and the potential to outperform regardless of market capitalization. SUITABLE FOR: Investors with long-term goals who seek to complement their large-company stock holdings with a more aggressive approach. Please see page 18 for important disclosure information about each fund. HuntingtonFunds.com 7

8 Need income to retire, meet current expenses or simply reinvest? Income needs come in all shapes and sizes. Some investors look for regular, monthly cash to meet current living expenses. Others would like a little extra periodically to supplement other income sources. Still others prefer to reinvest their income and purchase more shares of their mutual fund to potentially provide income down the road. Traditional Bond Funds for Income Potential Many investors looking for income have traditionally turned to bonds. Bonds, also known as debt securities, are issued by companies, municipalities or government agencies when those entities want to borrow money from investors. In a way, a bond is like a loan. Investors buy bonds based on the issuer s promise to repay the amount loaned (the principal) on a specific date in the future (the maturity date). The bond issuer agrees to pay income (make periodic interest payments) over the life of the loan. These payments may make bonds a good choice for investors who want a regular income stream. The value of a bond, also called its price, can and does fluctuate on the open market based on changing interest rates in the general economy and how far in the future the bond s maturity date might be. Bonds with shorter maturities are generally considered to be more conservative since they typically fluctuate less in value than bonds with longer maturities. The price is also affected by the issuer s credit rating, which reflects its perceived ability to make timely interest payments and repay the principal. U.S. government bonds are considered to be among the safest types of bonds because the timely payment of principal and interest is guaranteed by the U.S. government or the agency that issued them. 5 When you invest in a bond mutual fund, you own shares of a pool, or portfolio, of bonds. While bond fund total returns (which include both income and capital appreciation) haven t matched those of stock funds over the long-term, bond funds are generally considered less risky investments. For this reason, many investors use bond funds to help balance their growth portfolios and may begin to gradually shift their assets more toward these conservative funds as retirement nears. 8 HuntingtonFunds.com

9 Huntington Funds Traditional Bond Funds Looking for opportunities to add to your income or balance the higher risks associated with stocks? A traditional bond fund may be a great choice! A moderate approach to investing in bonds Huntington Fixed Income Securities Fund PURSUES: High current income INVESTS IN: Investment-grade quality corporate bonds, U.S. Treasuries and government agencies with an average portfolio maturity of 10 years or less SUITABLE FOR: Investors who are looking for current income with the moderate level of risk of a high-quality bond portfolio A moderate, all-government approach to bonds Huntington Intermediate Government Income Fund 6 PURSUES: A high level of current income INVESTS IN: A combination of U.S. Treasury, government agency and the highest quality mortgagebacked securities with an average portfolio maturity between three and ten years SUITABLE FOR: Investors seeking a high level of current income and the low credit risk of government bonds A conservative approach to investing in mortgage securities Huntington Mortgage Securities Fund 6,7 PURSUES: Current income INVESTS IN: Mortgage-backed securities, U.S. government securities and Real Estate Investment Trusts SUITABLE FOR: Investors who are seeking income A more conservative approach to bonds Huntington Short-Intermediate Fixed Income Securities Fund PURSUES: Current income INVESTS IN: High quality corporate bonds, U.S. Treasuries and government agencies; the Fund s portfolio offers low-to-moderate volatility because its dollar-weighted average portfolio maturity is more than two years but less than five years SUITABLE FOR: Investors seeking current income with low to moderate risk Bond prices are sensitive to changes in interest rates, and a rise in interest rates can cause a decline in their prices. Please see page 18 for important disclosure information about each fund. HuntingtonFunds.com 9

10 Strategic Income Funds to Diversify Your Income Investing The world of income possibilities doesn t stop at bonds. Alternatives go beyond bonds into asset classes and securities considered non-traditional. Innovative income strategies provide the potential for multiple income streams for innovative sources. For additional income in your portfolio, you may want to consider adding exchange-traded funds (ETFs), dividend-paying common and preferred stocks, Real Estate Investment Trusts (REITs), and Master Limited Partnerships (MLPs) to your portfolio. These securities are issued in the U.S. and across the globe. Bond exchange-traded funds (Bond ETFs) are securities that track a bond index like an index fund but trade on an exchange like a stock. They offer investors access to various types and maturities of bonds at low cost. Preferred stocks represent a higher class of ownership in a company than common stocks; that means they have a higher claim on the assets and earnings of the company in the event it runs into trouble. The dividends of preferred stocks are generally fixed and often higher than the dividends of common stocks, but these stocks may have less potential for overall growth over time. Would you like to increase your diversification opportunities as well as your investment income potential? Consider a strategic income fund. Real Estate Investment Trusts (REITs) are securities that trade on an exchange like a stock. Instead of representing ownership in a public company, REITs invest in real estate, either directly or through mortgages. REITs typically offer relatively high yields and receive special tax considerations. Master Limited Partnerships (MLPs) are a type of publicly traded limited partnership that invests in real estate, natural resources or commodities. The investor, or limited partner, provides capital to the business and receives periodic income distributions from the MLP s cash flow. Investments in real estate investment trusts ( REITs ) and real-estate related securities involve special risks associated with an investment in real estate, such as limited liquidity and interest rate risks and may be more volatile than other securities. In addition, the value of REITs and other real estate-related investments is sensitive to changes in real estate values, extended vacancies of properties and other environmental and economic factors. Funds that invest in MLPs may have additional expenses, as some MLPs pay incentive distribution fees to their general partners. 10 HuntingtonFunds.com

11 Huntington Funds Strategic Income Funds Huntington Funds strategic income funds enable you to reach around the globe and find a broad range of potential income opportunities where you might not have thought to look. And historically, some of these non-traditional investments have provided income at rates that have outpaced more traditional asset classes income you can take as cash or reinvest to accumulate more shares. Seeks a best of both worlds (dividends and growth) approach to stocks Huntington Dividend Capture Fund 3,7,10 PURSUES: Total return (dividend income and price appreciation), with dividend income as an important component of that return INVESTS IN: Common and preferred stocks issued by mature mid-size and large U.S. companies that pay dividends; as well as dividend-paying Real Estate Investment Trusts (REITs) UTILIZES: Strategic timing of purchases and sells in an effort to capture dividend payments and increase income for shareholders SUITABLE FOR: Investors seeking capital appreciation with the potential for a higher level of income than the average stock fund Seeks dividend income along with relatively lower volatility than traditional stock investing Huntington Income Equity Fund 3,10 PURSUES: Current income and moderate appreciation of capital primarily through investments in income-producing equity securities. INVESTS IN: Primarily common stocks of medium-to-large sized companies with the potential to pay attractive dividends. SUITABLE FOR: Investors seeking a relatively less volatile approach to equity investing, a high current dividend yield, and growth in that income stream. Fund of funds designed to maximize income Huntington Income Generation Fund Pursues: Maximize current income while attempting to minimize volatility, paying monthly dividends for current cash or reinvestment. Invests In: A combination of other Huntington Funds adjusting its allocation and emphasizing different funds as market and economic conditions change, seeking just the right combination of funds to meet the income objective. Suitable For: Investors seeking monthly cash flow, reinvestment of monthly payouts or to diversify their portfolio Takes a global approach to finding income opportunities and managing risk Huntington World Income Fund 2,7,8,9 PURSUES: Current income and preservation of principal INVESTS IN: Corporate and government bonds, foreign and domestic, bond exchange-traded funds (ETFs), dividend-paying common and preferred stocks, as well as more specialized securities such as Real Estate Investment Trusts (REITs) and Master Limited Partnerships (MLPs) UTILIZES: An allocation strategy that invests in a broad range of asset classes around the world as well as a hedging strategy to help manage risk SUITABLE FOR: Investors seeking income from globally diverse sources while protecting their principal Please see page 18 for important disclosure information about each fund. HuntingtonFunds.com 11

12 How About a Different Approach for that Special Place in Your Portfolio? Many investors seek special investment opportunities that may help them increase their diversification, provide an extra potential for growth or simply help manage the overall risk of their investments. You may be looking for strategies focused on managing risk of loss in your investment portfolio uncovering potential growth opportunities around the world, or protecting your assets from inflation. Perhaps you d like to add an approach that emphasizes sophisticated investment strategies such as sector rotation or option strategies. If so, you should consider an investment in one of Huntington Funds specialty strategies. Would you like to take advantage of some specialized investment opportunities? Tap into the expertise of our investment professionals and OUR innovative strategies. 12 HuntingtonFunds.com

13 Huntington Funds Specialty Funds Uses a disciplined approach to maintain stability while investing in the large-cap industry leaders. Huntington Disciplined Equity Fund 11 PURSUES: Long-term capital appreciation with lower volatility by minimizing downside risk through an options hedging program INVESTS IN: High quality, dividend-paying stocks, employing conservative option strategies to help meet these objectives SUITABLE FOR: Long-term investors who are seeking an investment strategy with the potential to lower market volatility Opens the door to potential dynamic and growing investment opportunities in both developed and emerging markets around the world Huntington Global Select Markets Fund 2,4,7,8 PURSUES: Total return INVESTS IN: Equity and fixed income securities, in the United States and in developed and emerging markets throughout the world; may invest in Real Estate Investment Trusts (REITS) and exchange-traded funds ( ETFs ) SUITABLE FOR: Investors who seek exposure to growth opportunities around the world Seeks to diversify portfolios by investing in assets that historically are less correlated with U.S. stocks and bonds and may offer potential for inflation protection 7, 12 Huntington Real Strategies Fund PURSUES: Total return consisting of capital appreciation and income INVESTS IN: A strategic combination of primarily real estate and commodity-related securities, and inflation-protected bonds SUITABLE FOR: Investors who have long-term investment horizons and are concerned about the effects of inflation Seeks opportunity wherever it can be found Huntington Rotating Markets Fund 2,3,4 PURSUES: Capital appreciation INVESTS IN: The equity market segment believed to offer the greatest potential for capital appreciation given current economic conditions. Provides investors the opportunity to pursue the performance potential of a wide range of sectors as represented by major broad-based stock indexes including large-, mid-, small-cap and global. Based on the market and economic outlook, the Fund s manager rotates, or focuses, the portfolios in the sector that the manager believes to have the most potential. SUITABLE FOR: Investors looking for a unique approach to capital appreciation Please see page 18 for important disclosure information about each fund. HuntingtonFunds.com 13

14

15 Do You Want a Simple Way to Own a Broadly Diversified Portfolio? Diversifying your portfolio may be the most important strategy you can use to help make the most of your investment. Putting all your eggs or dollars in one basket may expose your money to a high degree of risk. By allocating portions of your assets among a variety of growth, income and specialty investments, you have the potential to capture the performance of each, while managing the overall risk for your portfolio over time. Historically, different sectors of the market have performed well at various times. While the international sector increases in value, domestic securities may be growing less rapidly or even decreasing. Similarly, when stocks are declining, bonds may be on the rise. Huntington Asset Advisors strategists have developed a tactical asset allocation strategy to capitalize on potential opportunities in the market. Using this strategy, the Huntington Asset Allocation Funds were developed to offer an efficient mix of risk and return designed to meet investors particular objectives. For each Fund, our strategists look first to the appropriate balance of growth and income. Then, based on the tactical asset allocation strategy, specific Huntington Funds are selected to create a portfolio designed to reflect the appropriate risk/reward profile for the given Huntington Asset Allocation Fund. The resulting portfolios have what we believe to be the potential to deliver robust long-term performance over a wide range of market conditions. Diversification does not ensure a profit or guarantee against loss. HuntingtonFunds.com 15

16

17 3, 4, 13, 14, 15 Huntington Asset Allocation Funds Huntington strategists employ a tactical asset allocation strategy to capitalize on potential opportunities in the market and provide an efficient mix of risk and return as appropriate for your situation. 20% Equity HUNTINGTON Conservative Allocation Fund PURSUES: High current income INVESTS IN: A combination of underlying Huntington Funds with a target asset allocation of 20% Equity, 80% Income, and 0-15% Money Market. The equity portion of the Fund s portfolio is significantly weighted to large-cap domestic equity and international equity funds, but also includes weightings to mid- and small-cap equities. 80% Income SUITABLE FOR: Investors seeking additional diversification provided by a conservative portfolio of funds with exposure to both fixed income and equity sectors. 40% Income HUNTINGTON Balanced Allocation Fund PURSUES: Current income and moderate appreciation of capital INVESTS IN: A combination of underlying Huntington Funds with an asset allocation target of 60% Equity, 40% Income, and 0-15% Money Market. The equity portion of the Fund s portfolio is significantly weighted to large-cap domestic equity and international equity funds, but also includes weightings to mid- and small-cap equities. 60% Equity SUITABLE FOR: Investors seeking additional diversification provided by a balanced portfolio of funds, with exposure to both equity and fixed income sectors. 20% Income HUNTINGTON Growth Allocation Fund PURSUES: Capital appreciation with income as a secondary goal INVESTS IN: A combination of underlying Huntington Funds with an asset allocation target of 80% Equity, 20% Income and 0-15% Money Market. The equity portion of the Fund s portfolio is significantly weighted to large-cap domestic equity and international equity funds but also includes weightings to mid- and small-cap equities. 80% Equity SUITABLE FOR: Investors seeking additional diversification provided by a growth-oriented portfolio of funds with exposure to both equity and fixed income sectors. Please see page 18 for important disclosure information about each fund. HuntingtonFunds.com 17

18 1 The S&P 500 Index is an unmanaged, capitalization-weighted index of 500 stocks designed to measure performance of the broad domestic economy through changes in the aggregate market value of 500 stocks representing all major industries. Investments cannot be made in an index. 2 International investing involves special risks including currency risk, increased volatility of foreign securities, political risks and differences in auditing and other financial standards. In addition, prices of emerging markets securities can be significantly more volatile than the prices of securities in developed countries and currency risk and political risks are accentuated in emerging markets. 3 Mid-cap investing involves greater risks not associated with investing in more established companies, such as greater price volatility, business risk, less liquidity and increased competitive threat. 4 Small company stocks may be less liquid and subject to greater price volatility than large capitalization stocks. Companies with smaller market capitalizations also tend to have unproven track records, a limited product or service base and limited access to capital. These factors also increase risks and make these companies more likely to fail than companies with larger market capitalizations. 5 Mutual Funds shares are not guaranteed, not bank products, not FDIC insured. 6 The value of some mortgage-backed securities may be particularly sensitive to changes in prevailing interest rates, and although the securities are generally supported by some form of government or private insurance, there is no assurance that private guarantors or insurers will meet their obligations. 7 Investment in real estate investment trusts ( REITs ) involves special risks associated with an investment in real estate such as limited liquidity and interest rate risks. Property values can fall due to environmental, economic, or other reasons, and changes in interest rates can negatively impact the performance of real estate companies. 8 An investment in an exchange-traded fund ( ETF ) generally presents the same primary risks as an investment in a fund that is not exchange traded and may also be subject to other risks, such as: (i) ETF shares may trade above or below their net asset value; (ii) an active trading market for an ETFs shares may not develop or be maintained and (iii) trading of an ETFs shares may be halted by the listing exchange s officials. Ultrashort ETFs are subject to additional risks. 9 Master Limited Partnerships (MLPs) concentrate investments in the natural resource sector and are subject to the risks of energy prices and demand and the volatility of commodity investments. Damage to facilities and infrastructure of MLPs may significantly affect the value of an investment and may incur environmental costs and liabilities due to the nature of their business. MLPs are subject to significant regulation and may be adversely affected by changes in the regulatory environment. MLPs are subject to certain risks inherent in the structure of MLPs, including complex tax structure risks, the limited ability for election or removal of management, limited voting rights, potential dependence on parent companies or sponsors for revenues to satisfy obligations, and potential conflicts of interest between partners, members and affiliates. 10 There are no guarantees that dividend-paying stocks will continue to pay dividends. In addition, dividend-paying stocks may not experience the same capital appreciation potential as non-dividend paying stocks. 11 The Fund may write (sell) covered call options (options to purchase a security at a predetermined price for a specified period of time) which may limit the Fund s gain, if any, on the underlying securities, and the Fund continues to bear the risk of a decline in the value of the underlying stock until the option expires or is closed out. The Fund may write (sell) call options and purchase put options (options to sell a security at a predetermined price for a specified period of time) and/or enter into put option spreads. The Fund may also write (sell) put options on individual stocks deemed attractive for purchase at prices at or above the exercise price of the put options written. If a counterparty is unable to honor its commitments, the value of Fund shares may decline and/or the Fund could experience delays in the return of collateral or other assets held by the counterparty. Selling covered calls will result in tax consequences that will impact and affect the overall performance of the Fund. 12 While inflation-protected securities ( IPS ) adjust in response to inflation as measured by a specific price index, the value of these securities generally may still decline in response to an increase in real interest rates. In addition, any increase in principal value of an IPS caused by an increase in the price index is taxable in the year the increase occurs, even though the Fund will not receive cash representing the increase at the time. Commodities-related investments are subject to the same risks as direct investments in commodities and prices may rise and fall in response to many factors such as economic, political and regulatory developments. The Fund s use of derivative instruments involves risks different from, or possibly greater than, the risks associated with investing directly in securities and other traditional investments. These risks include interest rate risk, credit risk, liquidity and leverage risks. Derivatives may also increase the taxable distribution to shareholders, as explained in the Fund s prospectus. Diversification does not assure a profit nor protect against loss. Although the fund can add diversification to your portfolio, the fund itself is a non-diversified fund. The Fund may invest a greater percentage of its assets in the securities of a single issuer than do other mutual funds. Therefore, Fund performance can be affected significantly by the performance of one or a small number of issuers. 13 The risk of investing in the Huntington Asset Allocation Funds is a reflection of the risks of investing in the Underlying Funds in which each Asset Allocation Fund invests. Therefore, it is important that you carefully read the prospectus for each Underlying Fund. 14 Because the Asset Allocation Funds invest in other Funds, the Asset Allocation Funds are shareholders of the Underlying Funds and indirectly bear proportionate share of the operating expenses, including management fees, of the Underlying Funds. 15 Diversification does not ensure a profit or protect against loss. 18 HuntingtonFunds.com

19 1

20 Huntington Funds 41 South High Street, HC0520 Columbus, OH HuntingtonFunds.com Shareholder Services: Huntington Asset Services 2960 Meridian Street, Suite 300 Indianapolis, IN For more complete information about the Huntington Funds, call , or visit funds.com for a prospectus. Investors should consider the fund s investment objectives, risks, charges, and expenses carefully before they invest. Information about these and other important subjects is in the fund s investment objectives, risks, charges, and expenses carefully before investing. Information about these and other important subjects is in the fund s prospectus, which should be read carefully before investing. The Funds are distributed by Unified Financial Securities, Inc. (Member FINRA) a wholly owned subsidiary of Huntington Bancshares, Inc. and an affiliate of Huntington Asset Advisors, Inc. the advisor to the Huntington Funds. and Huntington are federally registered service marks of Huntington Bancshares Incorporated 2012 Huntington Bancshares Inc. Not A Deposit Not FDIC Insured Not Insured By Any Government Agency No Bank Guarantee May Lose Value 1 HuntingtonFunds.com

With interest rates at historically low levels, and the U.S. economy showing continued strength,

With interest rates at historically low levels, and the U.S. economy showing continued strength, Managing Interest Rate Risk in Your Bond Holdings THE RIGHT STRATEGY MAY HELP FIXED INCOME PORTFOLIOS DURING PERIODS OF RISING INTEREST RATES. With interest rates at historically low levels, and the U.S.

More information

ADVISORSHARES YIELDPRO ETF (NASDAQ Ticker: YPRO) SUMMARY PROSPECTUS November 1, 2015

ADVISORSHARES YIELDPRO ETF (NASDAQ Ticker: YPRO) SUMMARY PROSPECTUS November 1, 2015 ADVISORSHARES YIELDPRO ETF (NASDAQ Ticker: YPRO) SUMMARY PROSPECTUS November 1, 2015 Before you invest in the AdvisorShares Fund, you may want to review the Fund s prospectus and statement of additional

More information

TD Mutual Funds Fund Profiles

TD Mutual Funds Fund Profiles TD Mutual Funds Fund Profiles U.S. Equity Funds TD North American Dividend Fund TD U.S. Blue Chip Equity Fund TD U. S. Quantitative Equity Fund TD U.S. Large-Cap Value Fund TD U.S. Large-Cap Value Currency

More information

Overview of Your TIAA-CREF Investment Solutions SM Accounts

Overview of Your TIAA-CREF Investment Solutions SM Accounts Overview of Your TIAA-CREF Investment Solutions SM Accounts TIAA-CREF Investment Solutions SM now offers you nine mutual funds in addition to our fixed and variable annuity accounts. TIAA-CREF Investment

More information

Important Information about Closed-End Funds and Unit Investment Trusts

Important Information about Closed-End Funds and Unit Investment Trusts Robert W. Baird & Co. Incorporated Important Information about Closed-End Funds and Unit Investment Trusts Baird has prepared this document to help you understand the characteristics and risks associated

More information

Insurance Dedicated Funds: Variable Insurance Trusts

Insurance Dedicated Funds: Variable Insurance Trusts At a Glance September 2015 Insurance Dedicated Funds: Variable Insurance Trusts Our goal at GSAM is to meet the financial goals of investors worldwide, now and in the future, with innovative investment

More information

Market Linked Certificates of Deposit

Market Linked Certificates of Deposit Market Linked Certificates of Deposit This material was prepared by Wells Fargo Securities, LLC, a registered brokerdealer and separate non-bank affiliate of Wells Fargo & Company. This material is not

More information

Guide to mutual fund investing. Start with the basics

Guide to mutual fund investing. Start with the basics Guide to mutual fund investing Start with the basics Pursue your financial goals Why do you invest? For a rainy day? A secure retirement? Funding a college tuition? Having a specific goal in mind will

More information

John Hancock Funds II Supplement dated September 30, 2013 to the current Summary Prospectus

John Hancock Funds II Supplement dated September 30, 2013 to the current Summary Prospectus John Hancock Funds II Supplement dated September 30, 2013 to the current Summary Prospectus John Hancock Retirement Living 2010-2050 Portfolios John Hancock Retirement Choices 2010-2050 Portfolios John

More information

Evergreen INSTITUTIONAL MONEY MARKET FUNDS. Prospectus July 1, 2009

Evergreen INSTITUTIONAL MONEY MARKET FUNDS. Prospectus July 1, 2009 Evergreen INSTITUTIONAL MONEY MARKET FUNDS Prospectus July 1, 2009 Evergreen Institutional 100% Treasury Money Market Fund Evergreen Institutional Money Market Fund Evergreen Institutional Municipal Money

More information

Spectrum of Investment Options

Spectrum of Investment Options Kentucky Deferred Comp Spectrum of Investment Options Your guide to available investment options. Tier 1 Target Date Funds, Balanced Fund Target Date Funds Vanguard Target Retirement Funds (in five-year

More information

Mutual Funds Made Simple. Brighten your future with investments

Mutual Funds Made Simple. Brighten your future with investments Mutual Funds Made Simple Brighten your future with investments About Invesco Aim When it comes to investing, your sights are set on a financial summit a college diploma, new home or secure retirement.

More information

Financial Wellness & Education. Understanding mutual funds

Financial Wellness & Education. Understanding mutual funds Financial Wellness & Education Understanding mutual funds Benefits of mutual funds Foresters Financial Services provides everyday families and individuals with financial solutions, guidance and tools,

More information

ALLOCATION STRATEGIES A, C, & I SHARES PROSPECTUS August 1, 2015

ALLOCATION STRATEGIES A, C, & I SHARES PROSPECTUS August 1, 2015 ALLOCATION STRATEGIES A, C, & I SHARES PROSPECTUS August 1, 2015 Investment Adviser: RidgeWorth Investments A Shares C Shares I Shares Aggressive Growth Allocation Strategy SLAAX CLVLX CVMGX Conservative

More information

INVESTMENT TERM GLOSSARY

INVESTMENT TERM GLOSSARY A Accrued Interest - Interest that has been earned but not yet credited to a bond or other fixed-income investment, such as a certificate of deposit. Active Management The use of professional investment

More information

Prospectus Socially Responsible Funds

Prospectus Socially Responsible Funds Prospectus Socially Responsible Funds Calvert Social Investment Fund (CSIF) Balanced Portfolio Equity Portfolio Enhanced Equity Portfolio Bond Portfolio Money Market Portfolio Calvert Social Index Fund

More information

Structured Products. Designing a modern portfolio

Structured Products. Designing a modern portfolio ab Structured Products Designing a modern portfolio Achieving your personal goals is the driving motivation for how and why you invest. Whether your goal is to grow and preserve wealth, save for your children

More information

The Pinnacle Funds. Simplified Prospectus. December 11, 2009 Class A and Class F units and Class I units where noted. Money Market Fund.

The Pinnacle Funds. Simplified Prospectus. December 11, 2009 Class A and Class F units and Class I units where noted. Money Market Fund. The Pinnacle Funds Simplified Prospectus December 11, 2009 Class A and Class F units and Class I units where noted Money Market Fund Pinnacle Short Term Income Fund Bond Funds Pinnacle Income Fund Pinnacle

More information

John Hancock Retirement Choices at 2045 Portfolio

John Hancock Retirement Choices at 2045 Portfolio CLICK HERE FOR PROSPECTUS CLICK HERE FOR THE STATEMENT OF ADDITIONAL INFORMATION John Hancock Retirement Choices at 2045 Portfolio (FORMERLY JOHN HANCOCK RETIREMENT 2045 PORTFOLIO) SUMMARY PROSPECTUS 12

More information

FREE MARKET U.S. EQUITY FUND FREE MARKET INTERNATIONAL EQUITY FUND FREE MARKET FIXED INCOME FUND of THE RBB FUND, INC. PROSPECTUS.

FREE MARKET U.S. EQUITY FUND FREE MARKET INTERNATIONAL EQUITY FUND FREE MARKET FIXED INCOME FUND of THE RBB FUND, INC. PROSPECTUS. FREE MARKET U.S. EQUITY FUND FREE MARKET INTERNATIONAL EQUITY FUND FREE MARKET FIXED INCOME FUND of THE RBB FUND, INC. PROSPECTUS December 31, 2014 Investment Adviser: MATSON MONEY, INC. 5955 Deerfield

More information

Nuveen Intelligent Risk Conservative Allocation Fund will be liquidated after the close of business on June 24, 2016.

Nuveen Intelligent Risk Conservative Allocation Fund will be liquidated after the close of business on June 24, 2016. NUVEEN INTELLIGENT RISK CONSERVATIVE ALLOCATION FUND SUPPLEMENT DATED APRIL 18, 2016 TO THE SUMMARY PROSPECTUS DATED DECEMBER 31, 2015 Nuveen Intelligent Risk Conservative Allocation Fund will be liquidated

More information

BlackRock Diversified Income Portfolio. A portfolio from Fidelity Investments designed to seek income while managing risk

BlackRock Diversified Income Portfolio. A portfolio from Fidelity Investments designed to seek income while managing risk BlackRock Diversified Income Portfolio A portfolio from Fidelity Investments designed to seek income while managing risk Fidelity Investments has formed a strategic alliance with BlackRock Investment Management,

More information

Basic Investment Terms

Basic Investment Terms Because money doesn t come with instructions.sm Robert C. Eddy, CFP Margaret F. Eddy, CFP Matthew B. Showley, CFP Basic Investment Terms ANNUITY A financial product sold by financial institutions pay out

More information

UNDERSTANDING CLOSED-END FUNDS

UNDERSTANDING CLOSED-END FUNDS Lessons in Investing for Income UNDERSTANDING CLOSED-END FUNDS Income is one of investors most common goals but one not easily achieved, especially in today s low-yielding environment. That s why investors

More information

American Funds Insurance Series Portfolio Series. Prospectus May 1, 2015. American Funds Managed Risk Global Allocation Portfolio

American Funds Insurance Series Portfolio Series. Prospectus May 1, 2015. American Funds Managed Risk Global Allocation Portfolio American Funds Insurance Series Portfolio Series Prospectus May 1, 2015 Class 4 shares American Funds Global Growth Portfolio American Funds Growth and Income Portfolio Class P2 shares American Funds Managed

More information

A portfolio that matches your plans.

A portfolio that matches your plans. A portfolio that matches your plans. Amerivest Core Portfolios powered by Morningstar Associates Expert investment management Tailored portfolio recommendations Straightforward, competitive pricing Dedicated

More information

Retirement Balanced Fund

Retirement Balanced Fund SUMMARY PROSPECTUS TRRIX October 1, 2015 T. Rowe Price Retirement Balanced Fund A fund designed for retired investors seeking capital growth and income through investments in a combination of T. Rowe Price

More information

Brown Advisory Strategic Bond Fund Class/Ticker: Institutional Shares / (Not Available for Sale)

Brown Advisory Strategic Bond Fund Class/Ticker: Institutional Shares / (Not Available for Sale) Summary Prospectus October 30, 2015 Brown Advisory Strategic Bond Fund Class/Ticker: Institutional Shares / (Not Available for Sale) Before you invest, you may want to review the Fund s Prospectus, which

More information

The Advisors Inner Circle Fund. Westwood LargeCap Value Fund. Summary Prospectus March 1, 2015 Ticker: Institutional Shares WHGLX

The Advisors Inner Circle Fund. Westwood LargeCap Value Fund. Summary Prospectus March 1, 2015 Ticker: Institutional Shares WHGLX The Advisors Inner Circle Fund Westwood LargeCap Value Fund Summary Prospectus March 1, 2015 Ticker: Institutional Shares WHGLX Before you invest, you may want to review the Fund s complete prospectus,

More information

PowerShares Smart Beta Income Portfolio 2016-1 PowerShares Smart Beta Growth & Income Portfolio 2016-1 PowerShares Smart Beta Growth Portfolio 2016-1

PowerShares Smart Beta Income Portfolio 2016-1 PowerShares Smart Beta Growth & Income Portfolio 2016-1 PowerShares Smart Beta Growth Portfolio 2016-1 PowerShares Smart Beta Income Portfolio 2016-1 PowerShares Smart Beta Growth & Income Portfolio 2016-1 PowerShares Smart Beta Growth Portfolio 2016-1 The unit investment trusts named above (the Portfolios

More information

Financial Markets and Institutions Abridged 10 th Edition

Financial Markets and Institutions Abridged 10 th Edition Financial Markets and Institutions Abridged 10 th Edition by Jeff Madura 1 23 Mutual Fund Operations Chapter Objectives provide a background on mutual funds describe the various types of stock and bond

More information

RETIREMENT INSIGHTS. Is It Time to Rebalance Your Plan Investments? Mutual Fund Categories: A Primer for New Investors

RETIREMENT INSIGHTS. Is It Time to Rebalance Your Plan Investments? Mutual Fund Categories: A Primer for New Investors RETIREMENT INSIGHTS July 2014 Your HFS Team Heffernan Financial Services 188 Spear Street, Suite 550 San Francisco, CA 94105 800-437-0045 rebeccat@heffgroup.com www.heffgroupfs.com CA Insurance Lic# 0I18899

More information

T. Rowe Price Target Retirement 2030 Fund Advisor Class

T. Rowe Price Target Retirement 2030 Fund Advisor Class T. Rowe Price Target Retirement 2030 Fund Advisor Class Supplement to Summary Prospectus Dated October 1, 2015 Effective February 1, 2016, the T. Rowe Price Mid-Cap Index Fund and the T. Rowe Price Small-Cap

More information

Diversified Managed Allocations

Diversified Managed Allocations Diversified Managed Allocations Multi-strategy portfolios with a focus on flexibility Is this program right for you? DMA is designed for investors who: Want experienced, professional money managers to

More information

A Guide To DEFINED FOCUSED DISCIPLINED

A Guide To DEFINED FOCUSED DISCIPLINED A Guide To F I R S T T R U S T U N I T I N V E S T M E N T T R U S T S DEFINED FOCUSED DISCIPLINED W H A T I S A U N I T I N V E S T M E N T T R U S T? U I T F E A T U R E S A unit investment trust or

More information

IU Retirement Plan (57524) Start investing in yourself today, with help from IU Retirement Plan and Fidelity.

IU Retirement Plan (57524) Start investing in yourself today, with help from IU Retirement Plan and Fidelity. IU Retirement Plan (57524) Start investing in yourself today, with help from IU Retirement Plan and Fidelity. Invest some of what you earn today for what you plan to accomplish tomorrow. Dear Indiana University

More information

An Overview of the US Closed-End Fund Market. By Paul Mazzilli

An Overview of the US Closed-End Fund Market. By Paul Mazzilli An Overview of the US Closed-End Fund Market By Paul Mazzilli Introduction Closed-end funds (CEFs) are professionally managed investment companies that offer investors various unique benefits. They offer

More information

GLOSSARY OF INVESTMENT-RELATED TERMS FOR NATIONAL ELECTRICAL ANNUITY PLAN PARTICIPANTS

GLOSSARY OF INVESTMENT-RELATED TERMS FOR NATIONAL ELECTRICAL ANNUITY PLAN PARTICIPANTS GLOSSARY OF INVESTMENT-RELATED TERMS FOR NATIONAL ELECTRICAL ANNUITY PLAN PARTICIPANTS General Information This Glossary of Investment-Related Terms for National Electrical Annuity Plan Participants (the

More information

Slide 2. What is Investing?

Slide 2. What is Investing? Slide 1 Investments Investment choices can be overwhelming if you don t do your homework. There s the potential for significant gain, but also the potential for significant loss. In this module, you ll

More information

I.A.M. National 401(k) Plan. Investment Options Summary

I.A.M. National 401(k) Plan. Investment Options Summary I.A.M. National 401(k) Plan Investment Options Summary The I.A.M. National 401(k) Plan offers a diverse investment lineup to meet the varied needs of our participants. The lineup includes 12 Retirement

More information

GUIDE TO INVESTING IN MARKET LINKED CERTIFICATES OF DEPOSIT

GUIDE TO INVESTING IN MARKET LINKED CERTIFICATES OF DEPOSIT GUIDE TO INVESTING IN MARKET LINKED CERTIFICATES OF DEPOSIT What you should know before you buy What are Market Linked CDs? are a particular type of structured investment issued by third-party banks. A

More information

Investment Risk: Don t Avoid It Manage It!

Investment Risk: Don t Avoid It Manage It! Investment Risk: Don t Avoid It Manage It! Today s Agenda What is risk? Types of investment risk Investments that carry each type of risk Match personal goals with investments and risk levels Risk management

More information

Glossary of Investment Terms

Glossary of Investment Terms online report consulting group Glossary of Investment Terms glossary of terms actively managed investment Relies on the expertise of a portfolio manager to choose the investment s holdings in an attempt

More information

LifePath Index 2060 Fund Q

LifePath Index 2060 Fund Q Release Date: 9-3-215 LifePath Index 26 Fund Q Standard & Poor's 5 Index LifePath Index 26 Custom Target Date 251+... Allocation of Stocks and Bonds 1 8 6 4 2 45 4 35 3 25 2 15 1 5 Years Until Retirement

More information

DFA INVESTMENT DIMENSIONS GROUP INC.

DFA INVESTMENT DIMENSIONS GROUP INC. PROSPECTUS February 28, 2015 Please carefully read the important information it contains before investing. DFA INVESTMENT DIMENSIONS GROUP INC. DFA ONE-YEAR FIXED INCOME PORTFOLIO Ticker: DFIHX DFA TWO-YEAR

More information

BOND FUNDS L SHARES. October 1, 2004

BOND FUNDS L SHARES. October 1, 2004 BOND FUNDS A SHARES L SHARES October 1, 2004 CLASSIC INSTITUTIONAL U.S. GOVERNMENT SECURITIES SUPER SHORT INCOME PLUS FUND FLORIDA TAX-EXEMPT BOND FUND GEORGIA TAX-EXEMPT BOND FUND HIGH INCOME FUND INVESTMENT

More information

Investing. Mutual Fund. ABC Company 123 Main Street Anywhere, USA 12345 www.sampleabccompany.com 800.123.4567

Investing. Mutual Fund. ABC Company 123 Main Street Anywhere, USA 12345 www.sampleabccompany.com 800.123.4567 Mutual Fund Investing Your promotional imprint here and/or back cover. ABC Company 123 Main Street Anywhere, USA 12345 www.sampleabccompany.com 800.123.4567 Mutual funds are one of the most popular ways

More information

May 1, 2015 as amended June 1, 2015

May 1, 2015 as amended June 1, 2015 INSTITUTIONAL INVESTOR May 1, 2015 as amended June 1, 2015 DATE TARGET FUNDS MyDestination 2005 Fund MyDestination 2015 Fund MyDestination 2025 Fund MyDestination 2035 Fund MyDestination 2045 Fund MyDestination

More information

PRUDENTIAL INVESTMENTS» MUTUAL FUNDS RETHINKING THE ROLE OF INCOME INVESTING THE FOUR WAYS INCOME INVESTMENTS CAN HELP YOU MEET YOUR FINANCIAL GOALS

PRUDENTIAL INVESTMENTS» MUTUAL FUNDS RETHINKING THE ROLE OF INCOME INVESTING THE FOUR WAYS INCOME INVESTMENTS CAN HELP YOU MEET YOUR FINANCIAL GOALS PRUDENTIAL INVESTMENTS» MUTUAL FUNDS RETHINKING THE ROLE OF INCOME INVESTING THE FOUR WAYS INCOME INVESTMENTS CAN HELP YOU MEET YOUR FINANCIAL GOALS YOU PLAY MANY ROLES. INCOME INVESTMENTS DO TOO. If

More information

Score. Stifel CONQUEST Portfolios. Research-Driven Portfolios PORTFOLIO STRATEGY EXCHANGE TRADED FUNDS. Ease of Diversification

Score. Stifel CONQUEST Portfolios. Research-Driven Portfolios PORTFOLIO STRATEGY EXCHANGE TRADED FUNDS. Ease of Diversification Stifel CONQUEST Portfolios PORTFOLIO STRATEGY The Washington Crossing Advisors Stifel CONQUEST Portfolios seek to add value by actively allocating assets among U.S. equities, bonds, commodities, and foreign

More information

LVIP Dimensional Non-U.S. Equity RPM Fund. Summary Prospectus April 30, 2013

LVIP Dimensional Non-U.S. Equity RPM Fund. Summary Prospectus April 30, 2013 LVIP Dimensional Non-U.S. Equity RPM Fund (formerly LVIP Dimensional Non-U.S. Equity Fund) (Standard and Service Class) Summary Prospectus April 30, 2013 Before you invest, you may want to review the Fund

More information

Balanced fund: A mutual fund with a mix of stocks and bonds. It offers safety of principal, regular income and modest growth.

Balanced fund: A mutual fund with a mix of stocks and bonds. It offers safety of principal, regular income and modest growth. Wealth for Life Glossary Aggressive growth fund: A mutual fund that aims for the highest capital gains. They often invest in smaller emerging companies that offer maximum growth potential. Adjustable Rate

More information

What you will learn today. Different categories of investments Choosing your investment mix Common investor pitfalls Determining your next steps

What you will learn today. Different categories of investments Choosing your investment mix Common investor pitfalls Determining your next steps Investing 101 What you will learn today Different categories of investments Choosing your investment mix Common investor pitfalls Determining your next steps 2 Asset Allocation One of Your Most Important

More information

YOUR GUIDE TO GETTING STARTED

YOUR GUIDE TO GETTING STARTED George Mason University Cash Match Plan (#72170) Invest in your retirement and yourself today, with help from The George Mason 401(a) Match Plan and Fidelity. YOUR GUIDE TO GETTING STARTED Invest some

More information

Morningstar Highlights

Morningstar Highlights Morningstar Highlights Second quarter Data as of June 30, 2015 Invesco offers funds that have competitive performance relative to their peers across most style boxes. Below are Invesco funds with four-

More information

Waddell & Reed Advisors Select Plus Annuity SM Invest in your future

Waddell & Reed Advisors Select Plus Annuity SM Invest in your future Investment choices performance report January 31, 2016 Waddell & Reed Advisors Select Plus Annuity SM Invest in your future Answers to frequently asked questions. What you should know about purchasing

More information

I.A.M. National 401(k) Plan. Investment Options Summary

I.A.M. National 401(k) Plan. Investment Options Summary I.A.M. National 401(k) Plan Investment Options Summary The I.A.M. National 401(k) Plan offers a diverse investment lineup to meet the varied needs of our participants. The lineup includes 12 Retirement

More information

CALVERT UNCONSTRAINED BOND FUND A More Expansive Approach to Fixed-Income Investing

CALVERT UNCONSTRAINED BOND FUND A More Expansive Approach to Fixed-Income Investing CALVERT UNCONSTRAINED BOND FUND A More Expansive Approach to Fixed-Income Investing A Challenging Environment for Investors MOVING BEYOND TRADITIONAL FIXED-INCOME INVESTING ALONE For many advisors and

More information

A GUIDE TO MUTUAL FUND INVESTING

A GUIDE TO MUTUAL FUND INVESTING Many investors turn to mutual funds to meet their long-term financial goals. They offer the benefits of diversification and professional management and are seen as an easy and efficient way to invest.

More information

BRINKER CAPITAL OVERVIEW. Helping You Invest with Confidence

BRINKER CAPITAL OVERVIEW. Helping You Invest with Confidence BRINKER CAPITAL OVERVIEW Helping You Invest with Confidence PARTIALLY INVESTED PERIODIC INVESTMENT FULLY INVESTED Unwavering Focus on Investment Excellence For more than 25 years, Brinker Capital has been

More information

Morningstar Highlights

Morningstar Highlights Morningstar Highlights Third quarter Data as of September 30, 2015 Invesco offers funds that have competitive performance relative to their peers across most style boxes. Below are Invesco funds with four-

More information

Impact of rising interest rates on preferred securities

Impact of rising interest rates on preferred securities Impact of rising interest rates on preferred securities This report looks at the risks preferred investors may face in a rising-interest-rate environment. We are currently in a period of historically low

More information

PNC Target Date Funds. Making Saving for Retirement Simpler for You

PNC Target Date Funds. Making Saving for Retirement Simpler for You PNC Target Date Funds Making Saving for Retirement Simpler for You Walking With You on the Path to Retirement We understand that with the number and variety of retirement savings options available to you,

More information

LAUDUS INSTITUTIONAL TRUST Laudus Mondrian Institutional Funds

LAUDUS INSTITUTIONAL TRUST Laudus Mondrian Institutional Funds LAUDUS INSTITUTIONAL TRUST Laudus Mondrian Institutional Funds Laudus Mondrian Institutional Emerging Markets Fund and Laudus Mondrian Institutional International Equity Fund Supplement dated October 1,

More information

Asset Management Portfolio Solutions Disciplined Process. Customized Approach. Risk-Based Strategies.

Asset Management Portfolio Solutions Disciplined Process. Customized Approach. Risk-Based Strategies. INSTITUTIONAL TRUST & CUSTODY Asset Management Portfolio Solutions Disciplined Process. Customized Approach. Risk-Based Strategies. As one of the fastest growing investment managers in the nation, U.S.

More information

Average Annualized Return as of 11/30/2015 1. YTD 1 Year 3 Years 5 Years

Average Annualized Return as of 11/30/2015 1. YTD 1 Year 3 Years 5 Years Investment Options at a glance Current performance may be lower or higher than performance data shown. Performance data quoted represents past performance and is not a guarantee or prediction of future

More information

PRINCIPAL TRUST TARGET DATE FUNDS SUMMARY

PRINCIPAL TRUST TARGET DATE FUNDS SUMMARY Date Collective Investment s PRINCIPAL TRUST TARGET DATE FUNDS SUMMARY The date of this summary is October 28, 2015 This summary includes key information about the Trust Date Collective Investment s (each

More information

INVESTING EFFECTIVELY TO HELP MEET YOUR GOALS. MUTUAL FUNDS

INVESTING EFFECTIVELY TO HELP MEET YOUR GOALS. MUTUAL FUNDS { } INVESTING EFFECTIVELY TO HELP MEET YOUR GOALS. MUTUAL FUNDS 1 MUTUAL FUNDS: STRENGTH IN NUMBERS You like to think about retirement; that time when you will be able to relax and enjoy life the way it

More information

Unit Investment Trusts

Unit Investment Trusts a guide to Unit Investment Trusts A unit investment trust (UIT) is a registered investment company that buys and holds a generally fixed portfolio of stocks, bonds, or other securities. Table of Contents

More information

Client Education. Learn About Exchange-Traded Funds

Client Education. Learn About Exchange-Traded Funds Client Education Learn About Exchange-Traded Funds 2 What is an ETF? 6 How do ETFs work? 12 How do ETFs compare with other investments? 2 Exchange-traded funds, or ETFs, are attracting more and more attention

More information

Investing Basics. Bank of the Bluegrass Wealth Management 215 Southland Drive Lexington, KY 40383 859-233-4500

Investing Basics. Bank of the Bluegrass Wealth Management 215 Southland Drive Lexington, KY 40383 859-233-4500 Bank of the Bluegrass Wealth Management 215 Southland Drive Lexington, KY 40383 859-233-4500 Investing Basics 2013 Page 1 of 9, see disclaimer on final page Saving and Investing Wisely The impact of 3%

More information

Bond Mutual Funds. a guide to. A bond mutual fund is an investment company. that pools money from shareholders and invests

Bond Mutual Funds. a guide to. A bond mutual fund is an investment company. that pools money from shareholders and invests a guide to Bond Mutual Funds A bond mutual fund is an investment company that pools money from shareholders and invests primarily in a diversified portfolio of bonds. Table of Contents What Is a Bond?...

More information

General Money Market Funds

General Money Market Funds General Money Market Funds Prospectus April 1, 2014 Class A General Money Market Fund, Inc. (GMMXX) General Government Securities Money Market Fund (GGSXX) General Treasury Prime Money Market Fund (GTAXX)

More information

Equity Investing Evolved Manage risk, stay invested

Equity Investing Evolved Manage risk, stay invested Equity Investing Evolved Manage risk, stay invested HSBC Buffered Strategies Are you on track to meet your retirement and investment goals? Have extreme market swings prevented you from investing? Would

More information

IU Tax Deferred Annuity Plan (51913) IU TDA Plan. Start investing in yourself today, with help from IU TDA Plan and Fidelity.

IU Tax Deferred Annuity Plan (51913) IU TDA Plan. Start investing in yourself today, with help from IU TDA Plan and Fidelity. IU Tax Deferred Annuity Plan (51913) IU TDA Plan Start investing in yourself today, with help from IU TDA Plan and Fidelity. Invest some of what you earn today for what you plan to accomplish tomorrow.

More information

EXPLORE. Investment Planning Planning for Financial Security SAVING : INVESTING : PLANNING

EXPLORE. Investment Planning Planning for Financial Security SAVING : INVESTING : PLANNING EXPLORE Investment Planning Planning for Financial Security SAVING : INVESTING : PLANNING About this seminar Presentation > Provides comprehensive education > Includes action steps > Provides opportunity

More information

RBC Money Market Funds Prospectus

RBC Money Market Funds Prospectus RBC Money Market Funds Prospectus November 25, 2015 Prime Money Market Fund RBC Institutional Class 1: RBC Institutional Class 2: RBC Select Class: RBC Reserve Class: RBC Investor Class: TPNXX TKIXX TKSXX

More information

TD Asian Growth Fund (3)(4) TD Emerging Markets Fund (4)(16) TD Latin American Growth Fund

TD Asian Growth Fund (3)(4) TD Emerging Markets Fund (4)(16) TD Latin American Growth Fund TD Asset Management TD Mutual Funds Simplified Prospectus July 23, 2015 Money Market Funds TD Canadian T-Bill Fund (1) TD Canadian Money Market Fund (3)(4)(10) TD Premium Money Market Fund (1)(11) TD U.S.

More information

Enjoy the Benefits of Professional Wealth Management Quantitative InnovationsSM Investment Advisory Program

Enjoy the Benefits of Professional Wealth Management Quantitative InnovationsSM Investment Advisory Program Enjoy the Benefits of Professional Wealth Management Quantitative InnovationsSM Investment Advisory Program As an individual investor, you have access to more investment options than ever. With these choices,

More information

Seix Total Return Bond Fund

Seix Total Return Bond Fund Summary Prospectus Seix Total Return Bond Fund AUGUST 1, 2015 (AS REVISED FEBRUARY 1, 2016) Class / Ticker Symbol A / CBPSX R / SCBLX I / SAMFX IS / SAMZX Before you invest, you may want to review the

More information

Guggenheim BulletShares ETFs An In-Depth Look at Defined Maturity ETFs

Guggenheim BulletShares ETFs An In-Depth Look at Defined Maturity ETFs Guggenheim BulletShares ETFs An In-Depth Look at Defined Maturity ETFs Contents I. A Whole New Range of Opportunities for Investors 1 II. A New Era in Fixed Income Investing 2 III. Understanding Fund Distributions

More information

Wealth management and customized investment portfolios for individuals and institutions looking to preserve and grow wealth.

Wealth management and customized investment portfolios for individuals and institutions looking to preserve and grow wealth. Wealth management and customized investment portfolios for individuals and institutions looking to preserve and grow wealth. wealth MANAGEMENT Choosing the right investment advisor is one of the most important

More information

Investing Toward Retirement

Investing Toward Retirement ONS Congress 2013 Investing Toward Retirement Janet L Marcantonio, CFP, CRPC Thomas Robinson, CFP Marcantonio Robinson Wealth Advisory Group UBS Financial Services 1 Learning objectives Understand the

More information

TRANSAMERICA SERIES TRUST Transamerica Vanguard ETF Portfolio Conservative VP. Supplement to the Currently Effective Prospectus and Summary Prospectus

TRANSAMERICA SERIES TRUST Transamerica Vanguard ETF Portfolio Conservative VP. Supplement to the Currently Effective Prospectus and Summary Prospectus TRANSAMERICA SERIES TRUST Transamerica Vanguard ETF Portfolio Conservative VP Supplement to the Currently Effective Prospectus and Summary Prospectus * * * The following replaces in their entirety the

More information

RISK ASSESSMENT QUESTIONNAIRE

RISK ASSESSMENT QUESTIONNAIRE Time Horizon 6/14 Your current situation and future income needs. 1. What is your current age? 2. When do you expect to start drawing income? A Less than 45 A Not for at least 20 years B 45 to 55 B In

More information

Chapter 1 The Financial Assessment

Chapter 1 The Financial Assessment Chapter 1 The Financial Assessment 64 P leasant S treet P hon e: ( 415) 830-52 44 Copyright 2007-2009 Harrison Lazarus Advisors, Inc. All Rights Reserved Page 1 of 15 It doesn t matter where you are in

More information

REIT QUICK FACTS GUIDE

REIT QUICK FACTS GUIDE REIT QUICK FACTS GUIDE FOR FINANCIAL ADVISORS Guidelines for Strategic Portfolio Diversification FINRA-Reviewed Fact Sheets on Stock Exchange-Listed Equity REITs Additional References for Advisors THERE

More information

ADVISORSHARES TRUST. AdvisorShares Pacific Asset Enhanced Floating Rate ETF NYSE Arca Ticker: FLRT

ADVISORSHARES TRUST. AdvisorShares Pacific Asset Enhanced Floating Rate ETF NYSE Arca Ticker: FLRT ADVISORSHARES TRUST AdvisorShares Pacific Asset Enhanced Floating Rate ETF NYSE Arca Ticker: FLRT Supplement dated February 26, 2016 to the Summary Prospectus, Prospectus, and Statement of Additional Information

More information

GIPS List of Composite Descriptions. Perkins Composites...11. Fixed Income Composites... 14. Global Macro Composites...19. Alternative Composites...

GIPS List of Composite Descriptions. Perkins Composites...11. Fixed Income Composites... 14. Global Macro Composites...19. Alternative Composites... GIPS List of Composite Descriptions Updated 6/4/2015 Janus Equity Composites...2 Perkins Composites....11 Fixed Income Composites... 14 Global Macro Composites...19 Alternative Composites.....19 Allocation

More information

Optional Asset Allocation program for participants

Optional Asset Allocation program for participants Richard Gagne Retirement Security Education 0207662 What is GoalMaker? Optional Asset Allocation program for participants Uses professional asset allocation modeling based on portfolios created by Morningstar

More information

Nuveen Tactical Market Opportunities Fund

Nuveen Tactical Market Opportunities Fund Nuveen Tactical Market Opportunities Fund Summary Prospectus January 29, 2016 Ticker: Class A NTMAX, Class C NTMCX, Class I FGTYX This summary prospectus is designed to provide investors with key Fund

More information

Investing Offers Rewards And Poses Risks. Investment Basics: The Power of Compounding. How Do Americans Invest Their Savings? (HA)

Investing Offers Rewards And Poses Risks. Investment Basics: The Power of Compounding. How Do Americans Invest Their Savings? (HA) How Do Americans Invest Their Savings? (HA) Learning how to save money for future use is an important first step in reaching your long-term goals. But saving alone is not enough. You will also need to

More information

Is it time to hire a professional to manage your bonds?

Is it time to hire a professional to manage your bonds? Is it time to hire a professional to manage your bonds? Today s bond markets are more complex Finding the right bonds can be difficult. The bond markets are large and complex, and it takes a lot of homework

More information

Wealth Management Solutions

Wealth Management Solutions Wealth Management Solutions Invest in the Future Life has significant moments. Making sure you re prepared for them is important. But what can you do when the pace of your life leaves you little time to

More information

GOLDMAN SACHS VARIABLE INSURANCE TRUST

GOLDMAN SACHS VARIABLE INSURANCE TRUST GOLDMAN SACHS VARIABLE INSURANCE TRUST Institutional and Service Shares of the Goldman Sachs Money Market Fund (the Fund ) Supplement dated July 29, 2015 to the Prospectuses and Summary Prospectuses, each

More information

SHARES NOT FDIC INSURED MAY LOSE VALUE NO BANK GUARANTEE. BKLN PowerShares Senior Loan Portfolio

SHARES NOT FDIC INSURED MAY LOSE VALUE NO BANK GUARANTEE. BKLN PowerShares Senior Loan Portfolio SHARES NOT FDIC INSURED MAY LOSE VALUE NO BANK GUARANTEE PowerShares Senior Loan Portfolio PowerShares Senior Loan Portfolio is the first senior loan exchange-traded fund (ETF) and seeks investment results

More information

The IBM 401(k) Plus Plan. Invest today for what you hope to accomplish tomorrow

The IBM 401(k) Plus Plan. Invest today for what you hope to accomplish tomorrow The IBM 401(k) Plus Plan Invest today for what you hope to accomplish tomorrow The IBM 401(k) Plus Plan Dollar-for-dollar company match, automatic company contributions, broad range of investment options

More information

Mutual Fund Investing Exam Study Guide

Mutual Fund Investing Exam Study Guide Mutual Fund Investing Exam Study Guide This document contains the questions that will be included in the final exam, in the order that they will be asked. When you have studied the course materials, reviewed

More information

(expenses that you pay each year as a percentage of the value of your investment)

(expenses that you pay each year as a percentage of the value of your investment) July 31, 2015 SUMMARY PROSPECTUS SAAT Core Market Strategy Allocation Fund (SKTAX) Class A Before you invest, you may want to review the Fund s prospectus, which contains information about the Fund and

More information