Investing through different life stages

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Investing Through Different Life Stages

Investing is a lifelong process, and the sooner you start, the better off you may be in the long run. The first part of that process is developing consistent savings habits. Regardless of whether you are saving for retirement, a new house, or that once-in-a-lifetime vacation, you will need to focus on saving. Regular contributions to savings or investment accounts may help with this process; and if you can automate them, they are even easier. 

Factors That Affect Your Investment Decisions

Once you begin saving on a regular basis, you’ll need to start making important decisions about how to invest your money. No matter what financial stage of life you’re in, you will need to consider what your investment objectives are, how long you have to pursue each objective, and how comfortable you are with risk.


Time and Risk Tolerance

All investing involves a certain amount of risk. In determining the amount of risk your investments should carry, consider weighing your ability to tolerate price fluctuations against your need to earn a certain rate of return. Keep in mind that time plays an important role in this decision. For a retirement that is 30 years away, you can probably tolerate more risk because you have the time to make up any losses you may experience early on. For a shorter-term investment, such as saving to buy a house, you probably want to take on less risk and have more liquidity in your investments.


A Disciplined Strategy and a Financial Consultant

One of the hardest things about investing is being disciplined enough to save an appropriate portion of your income regularly so that you can meet your investment goals. Also, unless you’re fascinated by investing, it’s probably difficult to force yourself to review your financial situation and investment strategy on a regular basis. Establishing a relationship with a trusted Financial Consultant can go a long way toward helping you practice smart financial management over your entire lifetime.

Regular Share Savings

Minimum Balance to
Open Account

$5

Minimum Balance to
Earn Dividends

0

Dividends Paid

Quarterly

EVERY Redstone Savings Account includes:

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Great Dividends Rates

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Dividends Paid Quarterly

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Outstanding Member Support

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Insurance through the NCUA

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

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What is a dividend? 

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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