Investment Strategy
Having a plan that helps you earn and save for the future specific to your financial needs is available through many different options.
Helping you get on a path that leads to financial success
We offer multiple products and services that provide you with investment opportunities that can help you reach all your financial goals in life.
IRAs
An IRA is an investment account that belongs to you, to which you contribute. It can consist of stocks, mutual funds, bonds, annuities, certificates or other investment products. Gains grow tax deferred until they’re distributed. In some cases, they’re not taxed at all. Explore the features to see if an IRA is right for you.
Mutual Funds
With mutual funds investors pool their money into a portfolio of securities that is typically diversified and professionally managed. This gives ordinary Americans access to professional fund managers. These mutual fund managers decide the best time to buy and sell providing you the expertise of investment professionals. Funds are aggressive, conservative and places in between.*
Managed Accounts
Managed accounts are portfolios designed for individuals to match their specific financial needs with portfolio objectives, and managed by professional investment managers. Often these accounts offer an avenue for individuals to access investment managers that are generally available only to institutional-level investors.
Managed account portfolios come in many different structures. Some are for conservative investors, some for more assertive investors and some for those in between. Some portfolios focus on tax managed investing and others on growth investing with less regard for tax consequences. Some portfolios are more focused on generating income and others on growth.
Stocks & Bonds
Stocks and bonds can range from conservative to ultra aggressive.
When you invest in individual stocks, you become a part owner of the business, with all the ups and downs. You can vote at shareholder meetings and receive profits allocated to owners. You may get very high returns, but you may also lose money.
Bonds, on the other hand, are an agreement to loan money to a company or government in return for regular payments. While stocks fluctuate, bonds are often more stable, though bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price.
*Before investing in a mutual fund, carefully consider its investment objectives, risks, fees, and expenses, which are included in the prospectus available from the fund. Read it carefully before investing.
The financial professionals at HFCU Investment & Retirement Services are registered representatives with, and securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Houston Federal Credit Union and HFCU Investment & Retirement Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using HFCU Investment & Retirement Services, and may also be employees of Houston Federal Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Houston Federal Credit Union or HFCU Investment & Retirement Services. Securities and insurance offered through LPL or its affiliates are:
| Not Insured by NCUA or Any Other Government Agency | Not Credit Union Guaranteed | Not Credit Union Deposits or Obligations | May Lose Value |
Your Credit Union (“Financial Institution”) provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay the Financial Institution for these referrals. This creates an incentive for the Financial Institution to make these referrals, resulting in a conflict of interest. The Financial Institution is not a current client of LPL for advisory services. Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.
The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.
The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.