Stocks, Bonds, CDs

Stocks, Bonds, CDs

Diversify adequately among various asset classes to spread your financial risk and prepare yourself for a strong financial future. First National Investment Services is here to help and offers a wide range of investment products and services to help you meet your financial goals.

Stocks

Shares of stock represent equity ownership in a company. When you own shares, you own a small piece of the company. Consider buying stock if you’re looking for growth or to increase your current income. When buying stocks, you should be willing to accept the risk that your investments could decrease in value. Stocks produce income in two ways: Dividend Income and Capital Gains. Dividend Income is a distribution of a company’s annual profits, typically on a quarterly basis, to shareholders in the form of dividend payments. If you sell the stock for more than your purchase price, you realize a capital gain—the difference between what you paid for the stock and what you received in selling it, less fees and commissions. There are tax consequences* with regard to both Dividend Income and Capital Gains distributions.


Bonds

If you're looking to diversify or reduce market-related risk, consider bonds as part of your investment portfolio. Bonds, as part of fixed income securities, are generally considered to be less volatile than stocks. By including bonds as part of your diversified portfolio, you can reduce the effect of market fluctuations and provide a steady source of interest income. When you invest in bonds, you’re essentially loaning money to a government, municipality or corporation in exchange for regular fixed interest payments and repayment of the principal at a specified future date.

A First National Investment Executive can walk you through the investment choices available to you and provide in-depth knowledge necessary to assisting you in identifying which investments are right for you.


Brokered Certificates of Deposit

CDs are time deposits issued for a set dollar amount. When you purchase a CD, you are actually depositing your money with the issuing institution for a specified period of time. Generally, CDs are issued in maturities ranging from three months to several years. In return, you receive interest payments. At the end of the specified time, your principal is returned to you. Brokered CDs are CDs issued by banks via a “Master CD” to a nationwide brokerage community for distribution.

All CDs have a stated maturity date and interest rate or rates. Because of the variety of features available with brokered certificates of deposit, you can select both the investment period and the rate of return that best suits your income needs. Minimum deposit amounts are usually $10,000, with $1,000 increments thereafter.


Finding the CD that best fits into your financial objectives is just as important as finding the CD with the highest rate of return. Our Investment Executives will help customize your portfolio by discussing your appropriate investment needs.


Securities and insurance products are offered through Cetera Investment Services LLC (doing insurance business in CA as CFGIS Insurance Agency), member FINRA/SIPC. Advisory services are offered through Cetera Investment Advisers LLC. Neither firm is affiliated with the financial institution where investment services are offered.
Investments are:

  • Not FDIC/NCUSIF insured
  • May lose value
  • Not financial institution guaranteed
  • Not a deposit
  • Not insured by any federal government agency

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