Photo by pexels.com

Investor Alert and Bulletin From SEC Office of Investor Education and Advocacy

SEC Investor Alert and Bulletin Update!
Investor Bulletin: 10 Investment Tips for 2019
Feb. 12, 2019

Whether you are a first-time investor or have been investing for years, here are 10 tips from the SEC’s Office of Investor Education and Advocacy to help you in 2019.

Check out your investment professional.
It is free and easy to check the background of an investment professional. You can find details about an investment professional’s qualifications through the search tool on Investor.gov, the SEC’s website for individual investors. Also, make sure to ask SALI whether your investment professional has been named in an SEC action. If you need help, you can call our toll-free investor assistance line at (800) 732-0330 for help.

Understand the power of saving and investing early by taking advantage of our tools.
If you are investing or saving toward a goal, or just want to learn about how your money can grow under various hypothetical scenarios, take advantage of our compound interest and savings goal calculators. These calculators are great tools to help inform any decisions you make about your investing and saving.

Know how to be a better investor.
Did you know that active trading and some other very common investing behaviors actually can undermine investment performance? According to researchers, other common investing mistakes include focusing on past performance, favoring investments from your own country, region, state, or company, and holding on to losing investments too long and selling winning investments too soon.

Diversify.
Diversification can help reduce the overall risk of an investment portfolio. By picking the right mix of investments, you may be able to limit your losses and reduce the fluctuations of your investment returns without sacrificing too much in potential gains. Some investors find that it is easier to achieve diversification through ownership of mutual funds or exchange-traded funds (ETFs) rather than through ownership of individual stocks or bonds.

Consider fees.
It can be costly to ignore fees associated with buying, owning, and selling an investment product. Expenses vary from product to product, and even small differences in costs can mean large differences in earnings over time. An investment with high costs must perform better than a low-cost investment to generate the same return. Read our bulletin on How Fees and Expenses Affect Your Investment Portfolio to learn more.

Watch out for guaranteed high returns.
Promises of high returns with little or no risk are classic warning signs of fraud. Every investment carries some degree of risk, and the potential for greater returns usually means greater risk. Ignore so-called “can’t miss” and “guaranteed risk-free” investment opportunities –even if they involve HoweyCoins! Better yet, report them to the SEC.

Be alert to affinity fraud and celebrity endorsements.
Affinity frauds target members of identifiable groups, such as the elderly, religious, or ethnic communities, or the military. Even if you know the person making the investment offer, be sure to check out the investment and the person’s background—no matter how trustworthy the person seems. You should also watch out for celebrity endorsements. Just because you know the celebrity, doesn’t automatically make the investment opportunity being endorsed worthwhile.

Be careful when using social media as an investment tool.
Social media has become an important tool for investors, but also present opportunities for fraudsters to lure investors into a wide range of scams. For additional information on ways to avoid fraud through social media, please read our bulletin on Social Media and Investing.

Is the securities offering registered or exempt?
Any offer or sale of securities must be either registered with the SEC or exempt from registration. Otherwise, it is illegal. This has taken heightened importance with the advent of initial coin offerings as many of these offerings may involve securities. Registration is important because it provides investors access to key information about the company’s management, products, services, and finances. Always check whether an offering is registered with the SEC by using the SEC’s EDGAR database or contacting the SEC’s toll-free investor assistance line at (800) 732-0330.

Don’t forget about the world.
Events around the world may have a material impact on your investments. For example, the United Kingdom is currently negotiating its exit from the European Union (often referred to as “Brexit”). Brexit may have significant effects on the markets and companies in which you invest. Please stay informed about Brexit and other world events as you consider your investment strategy.

If you have questions about your investments, your investment account or a financial professional, don’t hesitate to contact the SEC’s Office of Investor Education and Advocacy online or on our toll-free investor assistance line at (800) 732-0330.

The Office of Investor Education and Advocacy has provided this information as a service to investors. It is neither a legal interpretation nor a statement of SEC policy. If you have questions concerning the meaning or application of a particular law or rule, please consult with an attorney who specializes in securities law.

Source:

Investor Bulletin: 10 Investment Tips for 2019

Whether you are a first-time investor or have been investing for years, here are 10 tips from the SEC’s Office of Investor Education and Advocacy to help you in 2019. Check out your investment professional. It is free and easy to check the background of an investment professional.

Check Also

Investing pennies

SEC Proposes Offering Reforms for Business Development Companies and Registered Closed-End Funds

The proposed amendments would modify the registration, communications, and offering processes available to BDCs and registered closed-end funds, building on offering practices that operating companies currently use.

Investment

Data Experts Outline Success Factors for Registered/Private Funds

The different types of data in the fund industry (e.g., external sources and internal sources created by the fund)Defining classification vs. segmentationSegmentation best practices"The asset management industry needs powerful information to navigate the challenges of volatile investment markets, unprecedented regulatory changes and transformational shifts in investors' product preferences," said Mr. Kosanovic. "Technology can help fund managers visualize their data in ways to help them optimally spend their time and resources with greater efficiency to grow their funds."

Alert image

Investor Alerts and Bulletins: The Escheatment Process

Keep your contact information updated. Financial institutions must attempt to notify you before escheating your account. Make sure financial institutions at which you have accounts have your accurate contact information (telephone, e-mail and physical address) to help ensure you receive any notices related to your accounts. If your financial institution sends you mail that is returned as undeliverable, or it cannot reach you through your other contact information, your account may be declared abandoned and end up in escheatment.

Pepsico Image

The PepsiCo Foundation Partners with CARE to Tackle Gender Inequality in Agriculture with an $18.2 Million Investment in She Feeds the World Grant will provide resources and training to 5 million women farmers and their families worldwide to help them increase crop yields and income

News Provided By PepsiCo FoundationMar 04, 2019, 16:05 ET PURCHASE, N.Y., March 4, 2019 /PRNewswire/ …

GDP Growth Slowed

US Economy Starts to Slow Entering 2019, but Headwinds Ease

The Federal Reserve has signaled that it will postpone further interest rate hikes until signs of rising inflation emerge and cease balance sheet normalization activities towards the end of this year. Stock price gains since the announcement of these policy shifts illustrate that if they are executed, business confidence is likely to rise.

Where can I get business financing?

Horizon Technology Finance Provides Investment Portfolio Update Increases Portfolio Size with $24 Million in Loan Originations; Grows Committed Backlog to $47 Million

"During the third quarter, we experienced solid investment activity, increasing the size of our portfolio and expanding our committed backlog for the second consecutive quarter," said Gerald A. Michaud, President of Horizon. "Our success funding seven loans, totaling more than $24 million, and growing our committed backlog to $47 million underscores the strong demand for our venture debt products to growing life science and technology companies. We believe Horizon will continue to benefit from a robust pipeline of investment opportunities and is well positioned to deliver long-term, disciplined portfolio growth, while ensuring credit quality remains strong."

ECB profit increased in 2018

Financial Statements of the ECB for 2018

The ECB’s net profit is distributed to the euro area national central banks (NCBs). The Governing Council decided to make an interim profit distribution, amounting to €1,191 million, to the euro area NCBs on 31 January 2019. At yesterday’s meeting, the Governing Council decided to distribute the remainder of the profit, amounting to €384 million, on 22 February 2019.

%d bloggers like this: