124 N. First Ave. • Iowa City, IA 52245 • Phone: 319- 354-2114 • Fax: 319- 354-3821 Cell: 319-331-6981

Investment Options
  

Investment

Benefits

Limitations

Certificates of Deposit

 

Sold by:

          • banks
          • thrifts
          •credit unions

          • some brokers 

 • fixed rate of return
• Federally insured in most cases
• minimal- or no- fees		 • does not hedge against inflation
• rate of return is likely to be lower, since less risk is involved
• penalties for early withdrawal
Mutual Funds

Sold by: 
          • mutual fund sponsors
          • brokers
          • some banks		 • liquidity
• ability to participate in a diversified and professionally managed portfolio of stocks, bonds, and money market instruments
• potential to out perform fixed rate of return investments         		 • performance subject to market fluctuations
• less secure than fixed rate investments
• loss of principal possible 
Variable Annuities

Sold by:
          • insurance companies
          • brokers
          • some banks		 • ability to participate  in a diversified and professionally managed portfolio of stocks, bonds, and money market instruments
• potential to out perform fixed rate of return investments   		 •performance subject to market fluctuations
• penalties for early withdrawals
• loss of principal possible 
• interest income is sheltered even without an IRA
Fixed Annuities

Sold by:
          • insurance companies
          • brokers
          • some banks		 • fixed rate of return
• guaranteed income for life		 • rate of return is likely to be lower, since less risk is involved
• does not hedge against inflation
• penalties for early withdrawals
• interest income is sheltered even without an IRA 
Zero-Coupon Bonds

Sold by:
          • brokers
          • some banks		 • fixed rate of return
•  wide range of maturities
• low initial cost
• no need to reinvest interest income		 • does not hedge against inflation
• price fluctuates broadly with swings in interest rates
Common Stocks/Bonds

Sold by:
          • brokers
          • some banks		 • flexibility in structuring portfolio
• liquidity
• potential to out perform fixed rate of return investments   		 • limited diversification
• performance fluctuates according to investment selection and market conditions
• brokerage commissions must be paid using tax-deferred funds

For questions and comments please email us at:

eaglerscs@aol.com

 

These products may be distributed by bank broker/dealers. They are securities which are subject to market risk. Investing in securities such as variable annuities, mutual funds, stocks, and bonds involves market risk, including the potential loss of principal. 


NOTE: The information on this site is not intended for distribution to, or any use by, any person or entity in those states which we are not registered. The following states show our current registration: AL, AZ, CA, CO, FL, HI, IA, IL, KY, LA, MD, MI, MN, MO, MS, NC, NV, OH, TX, WA, and WI. 

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This site is not a solicitation. It is for informational purposes only.
Securities offered through Oberweis Securities, Inc. • Member: FINRA/MSRB/SIPC
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