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Investing Basics

September 2016 - Time to Adjust Your Investment Strategy?

Everyone has experienced those proverbial “curve balls” of life – occasional surprises no one is prepared for. While you can’t plan for everything, retirement doesn’t have to fall into this category. We can help you plan for your retirement through implementing and monitoring a long-term investment strategy.

Several events may trigger the need to re-evaluate your strategy. For example, if you get married or divorced, add a child or grandchild to your family, or change employers, you may need to modify your investments. Circumstances may impact your risk tolerance, long-term goals or beneficiary designations. Even if you don’t experience major life changes, you should periodically review your investment account(s) to ensure you are on track to meet your goals. To assist you with this task, Credit Union Investment Services (CUIS) sends annual notices identifying how closely your current asset allocation matches our recommended allocation. The notices also allow you to review the risk tolerance and investment objective information associated with your account. The notices close with an invitation to contact the CUIS Investment Representative assigned to your account if you would like to meet in person or discuss your account over the phone.

Credit Union Investment Services is a North Carolina Registered Investment Advisor and a wholly-owned subsidiary of SECU. CUIS Investment Representatives are full-time SECU employees who receive no commissions. They have a fiduciary duty to act in your best interests, so you can trust that you will receive unbiased advice. If you need to review your investment strategy or are interested in opening a new investment account, contact your local branch to schedule an appointment with a CUIS Investment Representative.

Investment advisory services offered to North Carolina residents through Credit Union Investment Services. Securities offered through SECU Brokerage Services. Member FINRA, SIPC. Securities products are not credit union deposits. They are not obligations of or guaranteed by a credit union or its affiliates. They are not insured by the NCUA or any federal government agency. Securities products involve investment risks, including possible loss of principal. Investment representatives are also credit union employees, who may accept deposits.

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*Quoted rates, dividends, annual percentage yields (APY) and rates (APR) are subject to change daily at the discretion of the Board of Directors.