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Deposits and Investments: There's A Critical Difference

Maybe you've been thinking about putting some money into one of the investment products you can now get at your bank. You know that some of these new products currently earn higher interest than your certificate of deposit (CD). Who doesn't want to earn more money?

This brochure is about these new products that some banks are now selling. It tells you about deposits, which are insured by the Federal Deposit Insurance Corporation (FDIC), and investments, like mutual funds and annuities, which are not insured by the FDIC or guaranteed by the bank selling them. It tells you about the U.S. government's role when it comes to deposits and investments. It has basic information about some types of investment products and lists references where you can find out more. It offers some ideas about personal financial goals that might help you decide what's right for you. And it tells you what you can do if you have problems.

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About Deposits