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About Investments
An investment product, like a mutual fund, is not a deposit. The bank is simply selling you a
product. The bank generally receives a commission for performing this service, and may charge
you other fees for administering your investment account, but it is not obligated to compensate
you if the investment is not successful. If interest rates or market values change, you may lose
income you have earned -- you may even lose some of the amount you invested (your principal).
The U.S. government does not insure you against such losses, even if you purchased the
investment product at a bank. In other words, if you buy an investment product, there's no
guarantee that you'll get all of your investment back. But -- there may be a good chance that
you'll earn more!
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