returns are subject to change with economic conditions. Yield is just one factor to consider when making an investment decision.
Variable income securities may fluctuate in response to news about companies, industries, market conditions and the general economic environment.
Captivity are subject to interest rate risk. When interest rates go up, bond prices go down; Generally, the longer a bond’s maturity, the more sensitive it is to this risk. The bonds may also be subject to redemption risk, which is the risk that the issuer will redeem the debt at its option, in whole or in part, before the scheduled maturity date. The market value of debt instruments may fluctuate and proceeds from sales prior to maturity may be more or less than the amount originally invested or the maturity value due to changes in market conditions or changes in the credit quality of the debt instrument. transmitter. Bonds are subject to the credit risk of the issuer. This is the risk that the issuer may not be able to make interest and/or principal payments on a timely basis. Bonds are also subject to reinvestment risk, which is the risk that principal and/or interest payments on a given investment may be reinvested at a lower rate of interest.
Asset allocation and diversification do not lock in a profit or protect against loss in falling financial markets.
rebalancing it does not protect against a loss in falling financial markets. There may be a potential fiscal implication with a rebalancing strategy. Investors should consult with their tax advisor before implementing such a strategy.
Due to its narrow focus, sector investments they tend to be more volatile than investments that diversify across many sectors and companies. technology stocks it can be especially volatile.
international investment It involves higher risk as well as higher potential rewards compared to American investing. These risks include political and economic uncertainties from foreign countries, as well as the risk of currency fluctuations. These risks are magnified in emerging market countries, as these countries may have relatively unstable governments and less established markets and economies.
Invest in foreign emerging markets It entails greater risks than those normally associated with domestic markets, such as political, exchange, economic and market risks.
Invest in raw materials involves significant risks. Commodity prices may be affected by a variety of factors at any time, including but not limited to (i) changes in supply and demand relationships, (ii) government programs and policies, (iii) political and economic events domestic and international, war and terrorist events, (iv) changes in interest and exchange rates, (v) trading activities in commodities and related contracts, (vi) pestilence, technological changes and weather, and (vii) the volatility of the price of a commodity. Additionally, commodity markets are subject to temporary distortions or other disruptions due to various factors, including illiquidity, the involvement of speculators, and government intervention.
Certain securities referred to in this material may not have been registered under the U.S. Securities Act of 1933, as amended, and may not otherwise be offered or sold without an exemption from the same. Recipients must comply with any legal or contractual restrictions on their purchase, holding and sale, exercise of rights or performance of obligations under any securities/instruments transaction.
Returns on a portfolio composed primarily of environmentally, social and governance (ESG) conscious investments it may be lower or higher than a portfolio that is more diversified or where decisions are based solely on investment considerations. Because ESG criteria exclude some investments, investors may not be able to take advantage of the same opportunities or market trends as investors who do not use ESG criteria. The identified companies and investment examples are for illustrative purposes only and should not be considered a recommendation to buy, hold or sell securities or investment products. Its objective is to demonstrate the approaches taken by managers who focus on ESG criteria in their investment strategy. There can be no guarantee that a customer’s account will be managed as described in this document.
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