Investing Terms & Concepts | Redstone Federal Credit Union

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Investing Terms and Concepts

Investing doesn't have to be complicated. Learning some basic concepts will help you take the first steps toward a sound investment strategy. We’ve explained some common investing terms to help you live brighter on your investment journey.

  • Evaluating Performance: After your investments are set up, you monitor the investment’s performance. How are they working within your portfolio toward your goal? Talk with your Financial Advisor/Consultant to know what to expect with your investments and statements.
  • Asset Allocation: The mix of certificates, stocks, bonds, and cash in a retirement account. The proportions aim to balance risk and reward based on the investor's goals, risk tolerance, and investment horizon.
  • Compounding: An asset's ability to generate earnings, which are then reinvested in order to generate their own earnings. The more time money has to grow, the more opportunity you have for compounding.
  • Diversification: Mixing different investments to limit financial risk. This is accomplished by spreading money across major asset classes (stocks, bonds, etc.) or different investment options within one asset class (mix of stocks from large and small companies).
  • Rebalancing: Periodically buying or selling assets in your portfolio to maintain your original desired level of asset allocation. Often done annually, it should also be done any time your risk tolerance changes.
  • Investment Risk: All Investments carry some degree of risk. When you invest, investors make choices about what to do with their financial assets. Risk is any uncertainty with respect to their investments that has the potential to negatively affect the investor’s financial welfare.

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Do you have questions about investing? We can help. Contact Redstone Brokerage Services to begin shaping your investment strategy.

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Securities offered through LPL Financial, member  FINRA/SIPC.  Insurance products offered through LPL Financial or its licensed affiliates. The investment products sold through LPL Financial are not insured Redstone Federal Credit Union® deposits and are not NCUA insured. These products are not obligations of the Redstone Federal Credit Union and are not endorsed, recommended, or guaranteed by Redstone Federal Credit Union or any government agency. The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible.  The investment products are being offered by an employee of Redstone Federal Credit Union who is also a registered representative of and sells products on behalf of LPL Financial.

The services offered within this investment site are available exclusively through our U.S. registered representatives and are available for U.S. residents only. LPL Financial U.S. registered representatives may only conduct business with residents of the states for which they are properly registered. Please note that not all of the investments and services mentioned are available in every state.

RFCU and Redstone Brokerage Services are not registered broker/dealers.  LPL Financial is a separate entity from and not affiliated with RFCU or Redstone Brokerage Services.  RFCU does not warrant, guarantee, or insure any product or service offered by LPL or Redstone Brokerage Services. Redstone Brokerage Services and RFCU do not provide tax advice.  Please consult your tax advisor for your specific questions.

Must be RFCU member to obtain investment products.  Must be eligible for membership and open a share savings account in order to join.  A $5.00 minimum balance is required to open and mus be maintained in share savings account at all times.  Fees and other restrictions may apply.  RFCU and Redstone Brokerage Services are affiliated but separate entities.

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