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 Individual Investors 

Stocks

A stock represents participation in the ownership of a company. It is indicated by shares, which represent a piece of the corporation's assets and earnings. Buying and selling stock can be puzzling, but it may play an important role by providing potential growth opportunities when positioned properly in a portfolio.

Bonds

Bonds are typically used for investors seeking income. They are debt instruments issued for a period of more than one year, up to 30 years. The US government, local governments, water districts, companies and many other types of institutions issue bonds for sale. When an investor buys bonds, he or she is lending money. The seller of the bond agrees to repay the principal amount of the loan at a specified time. Interest-bearing bonds pay interest in varied modes.

Mutual Funds

A mutual fund pools money from a large number of investors to construct a portfolio of stocks, bonds, real estate, and or other securities, according to its prospectus stated objective. Each investor in the fund gets a slice of the total pie. Mutual funds make it easy to diversify, requiring less money to get started, enabling investors to construct a diversified portfolio for less than purchasing each of the investments in the mutual fund portfolio itself.

Exchange Traded Funds (ETFs)

ETFs are best described as a basket of securities that attempt to track a particular group of securities on an index. They trade like stocks however, there are a number of important differences between ETF’s and mutual funds. ETFs can be traded within the day, they can be shorted, or purchased on margin.

Annuities

A fixed or variable investment issued by an insurance company providing tax deferral opportunities to the investor. Variable annuities offer greater upside potential since they provide for investments in subaccounts which may include stocks and bonds, but also have greater downside risk due to volatility of financial markets. Fixed annuities, on the other hand, generally provide protection against loss of principal and earn a stated rate of interest which is determined by the issuing insurance company.

Insurance (Oklahoma Customers only)

Provides protection against things such as premature death, nursing home, or disability. By making payments in the form of premiums to an insurance company, they then agree to pay an agreed-upon sum to the insured in the event of death, disability, or nursing home confinement.

Financial Guidance

When seeking financial guidance, opinions from an experienced professional are best when searching for strategies to attain certain financial goals, such as retirement, education, tax savings and more.

Important Disclosures

Stock investing involves risk including loss of principal.

Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values and yields will decline as interest rates rise and bonds are subject to availability and change in price.

Investing in mutual funds involves risk, including possible loss of principal.

Investors should consider the investment objectives, risks, charges and expenses of the investment company carefully before investing. The prospectus contains this and other important information about the investment company. You can obtain a prospectus from your financial representative. Read carefully before investing.

An investment in Exchange Traded Funds (ETF), structured as a mutual fund or unit investment trust, involves the risk of losing money and should be considered as part of an overall program, not a complete investment program. An investment in ETFs involves additional risks such as not diversified, price volatility, competitive industry pressure, international political and economic developments, possible trading halts, and index tracking errors.

Investors should consider the investment objectives, risks, charges and expenses carefully before investing. The prospectus contains this and other important information. You can obtain a prospectus from your financial representative. Read carefully before investing.

Variable annuities are long term, tax-deferred investment vehicles designed for retirement purposes and contain both an investment and insurance component. They are sold only by prospectus. Guarantees are based on the claims paying ability of the issuer. Withdrawals made prior to age 59 are subject to 10% IRS penalty tax and surrender charges may apply. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. The investment returns and principal value of the available sub-account portfolios will fluctuate so that the value of an investor's unit, when redeemed, may be worth more or less than their original value.

Investors should consider the investment objectives, risks, charges and expenses of the variable annuity contract and sub-accounts carefully before investing. The prospectus contains this and other important information about the variable annuity contract and sub-accounts. You can obtain contract and sub-account prospectuses from your financial representative. Read prospectuses carefully before investing.


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Securities and Insurance products offered through LPL Financial and its affiliates, Member FINRA / SIPC. International Bank of Commerce is not a registered broker dealer and is not affiliated with LPL Financial.

NOT A DEPOSIT | NOT FDIC-INSURED | NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY | NOT GUARANTEED BY BANK | MAY LOSE VALUE

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