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Stocks
When investing in stock, you buy the shares, which also known as equity shares of ownership in a company. The return on investment depends on the success or failure of that company. If the company you invested does well and making profits from the products or services it sells, you expect to share with it success.
The two common ways to make money from stocks are:
1. Dividends. When the companies have profits, they can choose to distribute some of those earnings to shareholders by paying a dividend. Shareholders can either take the dividends in cash or reinvest them to purchase more shares in the company. Not all the companies distribute their earnings to their shareholders as some growing companies keep the earnings as reserve for future expansion or research and development.
2. Capital gains. Stocks are trading constantly and their prices change all the time during market hours. When a stock price goes higher than what you paid to buy it, you can sell your shares at a profit. These profits are known as capital gains. However, if you sell your stock for a lower price than you paid to buy it, you've incurred a capital loss.
With the assistance of our experienced stock brokers, you may access the stocks in the New York Stock Exchange, American Stock Exchange, Nasdaq Global Market to build your investment strategy the way you want.
Options
Options trading can provide active trader a variety of strategies from conservative to speculative. An Option is a contract that gives the buyer the right, but not the obligation, to buy or sell an underlying asset or securities at a specific price on or before an expiration date. An option, just like a stock or bond, is a securities, it is also a binding contract with specific defined terms and properties. However, Options may involve risks and not suitable to all investors. Option trading can be speculative in nature and carry substantial loss of investor capital. Please read the options disclosure document and agreement carefully prior to open an options trading account. You may contact Traderfield to obtain a copy of the options disclosure document and options account agreement.
Mutual Funds
Mutual funds are diversified investments managed by the professional fund management which are popular way to invest in securities. But, like investing in any security, mutual funds investment involves certain risks and loss of capital.
A mutual fund is an investment company that pools the money from investors and invests those money based on certain investment objectives. Usually the fund manager purchases a portfolio of stock, bonds, money market instruments or combination of these investment and investors can buy the shares of the portfolio. The performance of the underlying investments in the fund, minus fund fees, will determine the fund's return of investment.
Investors should consider the investment objectives, risks, charges and expenses of the mutual fund carefully before investing. A prospectus contains this and other infromation about the fund and is available through Traderfield Securities branch offices or through the mutual fund company directly. The prospectus should be read carefully before investing.
IRAs
IRAs stands for Individual Retirement Arrangements covered in the IRS Publication 590. Basically, IRAs provide the tax advantages for retirement savings in the U.S. The most common types of IRAs are traditional IRAs, Roth IRAs, SEP IRAs and SIMPLE IRAs and each of them has its specific tax treatment.
For those who have employer-sponsored retirement plan, such as a 401(k) or 403(b), they may elect to rollover the assets to an IRA if they have some changes of their life styles such as switching jobs, unemployment or retirement etc.
Please consult your tax or legal advisor(s) for questions concerning your personal tax planning before you decide to open the IRAs.