Investment Products

Investment Products: Which Is Best For Me?

Investment Products: Which Is Best For Me?

The financial industry continues to develop innovative products and improve services. As consumers we can feel overwhelmed when faced with choosing a product for our needs.

There are many products for different needs, and when faced with choosing one, it can be difficult. Investors have many choices and can use different avenues to invest their money. These options include stocks, bonds, mutual funds, annuities, and real estate.

Types of Investment Products

Stocks: Stocks are an equity position in a corporation that can provide the possibility of investment growth.

Bonds: Bonds, on the other hand, are a debt instrument that is issued by the state, government, city, municipality or corporation, and can repay the original investment along with interest.

Mutual fund: An investment company that pools money from many investors and invests it based on specific investment goals.

Annuities: Annuities are financial products sold by an insurance company that is designed to help reach financial goals and can provide income.

Real estate: Lastly, real estate is another option that can be used by owning property or investing in real estate investment trust.

These are only some products that can help investors fulfill their investment needs.

(You should consider the investment objectives, risks and charges and expenses of mutual funds carefully before investing. The prospectuses contain this and other information, which can be obtained by contacting your representative. Please read the information carefully before investing. Add a standard risk disclosure due to the discussion of specific investments: Investments are not guaranteed and are subject to investment risk including the possible loss of principal. The investment return and principal value of the security will fluctuate and when redeemed may be worth more or less than the original investment.)

Which investment product is right for me?

It depends on an investor’s goals, risk tolerance and time horizon. An investor should consider these factors and work with a financial professional to help decide the best product for him or her.

Each of these investment products has strengths and weaknesses depending on how they are used. It is also important to apply your personal situation and consider your objectives when deciding on an investment product.

Investors should be cautious when taking advice from marketing ads or television because these sources typically only present the product and its features. How they can apply to your specific situation is important to understand before investing. It is also critical to take the time to thoroughly analyze how each product can be beneficial and consider not only the benefits but also the potential downside risk.

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Securities and investment advisory services offered through ING Financial Partners, Inc. Member SIPC. Jacob Gold & Associates, Inc. is not a subsidiary of nor controlled by ING Financial Partners, Inc.

This information was prepared by Michael Cochell of Jacob Gold & Associates Inc. and is for educational information only. The opinions/views expressed within are that of Michael Cochell of Jacob Gold & Associates Inc. and do not necessarily reflect those of ING Financial Partners or its representatives. In addition, they are not intended to provide specific advice or recommendations for any individual. Neither ING Financial Partners nor its representatives provide tax or legal advice. You should consult with your financial professional, attorney, accountant or tax advisor regarding your individual situation prior to making any investment decisions.