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Investment Services
located at America United Bank
AFS Brokerage services representative Roxanne
Fiebelkorn will work individually with each customer to
prepare a balanced financial program designed to take advantage of both
traditional banking services and non-insured investments such as mutual funds,
fixed annuities and variable annuities. Investment opportunities with
America United Bank include:
Mutual
Funds
Mutual funds are a convenient and affordable way for many individuals to invest
in stocks. As with any securities investments, customers always assume the
risk of loss of the principal amount invested. Nevertheless, whether you
consider yourself a conservative investor, aggressive investor, or somewhere in
between, mutual funds may be an appropriate investment vehicle for a portion of
your assets in order to seek the desired level of diversification and/or
appreciation. By investing in mutual funds, you are investing in a
professionally managed, diversified group of stocks while avoiding the risk and
time it takes to select your own individual stocks.
Fixed Rate
Annuities
An annuity is a contract between an individual and
an insurance company. The tax deferred annuity was primarily created to assist in retirement
planning. It was designed as a long term investment in order to yield a
competitive return on investment dollars by deferring interest and compounding that
interest over many years. The annuity is the only vehicle that can
guarantee an income for life.
Please note, however, that guarantees associated with fixed annuities depend
solely upon the financial strength of the issuing insurance company.
Variable Annuities
Variable annuities are the investment of choice for many individuals that want
to maximize their retirement investment dollars. As with any securities
investments, customers always assume the risk of loss of the principal amount
invested. However, such investments may position you to achieve the
desired level of appreciation. Moreover, variable annuities offer tax deferral
without investing the limitations on contributions that some other tax-deferred
savings plans have.
A variable annuity offers some important benefits including:
Tax-deferral: Not paying taxes on the earnings from your investment
dollars allows your savings to grow at a faster pace than similar
taxable investments. (Taxes on earnings are paid at the time of
withdrawal. Withdrawals prior to age 59 1/2 may be subject to a 10%
penalty by the IRS).
Income you cannot outlive: The greatest fear of retirees is outliving their
income. Variable annuities offer a range of payment options, including
an option that is guaranteed to pay as long as you live.
Diversified investment options: Most variable annuities offer a diverse
selection of underlying investment options.
Death benefit: Family protection reassurance that if you die
unexpectedly, your family will receive the retirement dollars you have
accumulated.
Click below to request an appointment with one of our AFS Registered Representatives.
For consumer investment information, please access the following
sites:
www.NASD.com
www.SIPC.org
Securities Products:
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