Investments

Investments

Giving You Access to a Wide Range of Investments.  Part of the investment planning process is selecting investments that fit within your asset allocation strategy and work together to help you accomplish your investment goals. And because your goals and needs may be different from other investors, we’re dedicated to providing the widest array of investment options to help you meet them.

We Offer Fixed-Income, Equity & Alternative Investment Products Whether you’re looking for fixed-income investments, equity investments or alternative investments, your Investment Advisor can help you find the investments that are most suitable for your situation, financial goals, investment time frame and risk tolerance:

  • Annuities
  • Bonds – Corporate, Municipal, Treasury
  • Certificates of Deposit
  • Exchange-Traded Funds
  • Stocks, Mutual Funds, IRAs
  • Money Markets
  • Options
  • Unit Investment Trusts

For More Information About Investing, Or To Speak With A Financial Advisor Call 716.849.1401 Or e-Mail info@trubeecollins.com Or Use Our Online Form

Annuities

Annuities

 

Benefits of Investing in Annuities

Annuities offer several benefits for investors, including tax-deferred retirement savings, fixed or variable income for retirement, and investment flexibility. However, annuities aren’t suitable for every investor. Your financial advisor can help you determine whether investing in annuities would benefit your unique situation.

Creating retirement income with annuities
Types of annuities
When to consider annuities
Investing in annuities through Trubee, Collins & Co., Inc.
What you need to know before you invest in a variable annuity

Creating Retirement Income With Annuities

Annuities are primarily used for creating an income stream during retirement, whether you are planning ahead for retirement and want to take advantage of the tax-deferred savings feature and growth of an income base or are already retired and need to generate an income stream immediately.

When you are ready to receive income from your annuity, you can choose to receive payments for the rest of your life or for the rest of your and your spouse’s lives. Your financial advisor can explain the different income alternatives available.

Types of Annuities

There are three main types of annuities that you may want to consider: immediate annuities, fixed annuities and variable annuities.

  • Immediate annuities provide an immediate income stream for a specific period of time or for life.
  • Fixed annuities provide a guaranteed interest rate for a certain time period and usually have a minimum guarantee on the renewal rate.
  • Variable annuities provide income that can vary from payment to payment based on the performance of the underlying investments. They’re designed to help offset the effects of market fluctuations. If you choose an income benefit along with your variable annuity, you can receive guaranteed retirement income for the remainder of your life. This is optional and comes at an additional cost.

Please note: All guarantees for annuities are based on the claims-paying ability of the insurance company.

When to Consider Annuities

You may want to consider investing in annuities if you are:

  • Concerned about creating an ongoing and consistent income stream during retirement
  • Already maximizing your contributions to your tax-advantaged retirement accounts and/or plans (e.g., IRA, 401[k], 403[b], or other employer-sponsored plan)
  • Retired and need to create a guaranteed and immediate income stream

Your financial advisor can help you clarify your retirement income goals, which will help determine whether investing in an annuity makes sense for you.

Investing in Annuities Through Trubee, Collins & Co., Inc.

Trubee, Collins & Co., Inc. offers many choices for annuities, all from well-known insurance companies selected through our careful review process. We use rating agency reports and employ third-party research that provides regular updates on each carrier’s financial strength. We also review the carrier’s products, service capabilities and reputation to provide our clients with access to the top-tier annuity providers in the industry.

Contact your financial advisor for more information about annuities and for help in determining whether investing in an annuity is right for your particular situation.

What You Need to Know Before You Invest in a Variable Annuity

Before you purchase a variable annuity, you should know how it works. Your financial advisor will provide you with a prospectus, which contains important information about the annuity contract, including investment objectives, risks, fees and charges, investment options, death benefits, and payout options. You should read and consider the prospectus carefully before investing.

For More Information About Investing In Annuities, Or To Speak With A Financial Advisor Call 716.849.1401 Or e-Mail info@trubeecollins.com Or Use Our Online Form


Bonds

 

Investing in Bonds as Part of Your Overall Asset Allocation Strategy

A solid asset allocation strategy often includes investments from a range of investment classes, the broadest of which include stocks, bonds and cash. Bonds can be an important element in your investment portfolio, helping to potentially:

  • Reduce fluctuations in the overall value of your portfolio
  • Enhance investment income
  • Prepare for future expenses (e.g., college and retirement)
Bonds

How bonds can enhance your investment portfolio
Investing in bonds through Trubee, Collins & Co., Inc.

How Bonds Can Enhance Your Investment Portfolio

Investing in bonds can help you achieve many different investment goals, including income generation, portfolio diversification and even growth.

Income generation. Traditional interest-bearing bonds pay interest on a regular basis, typically semi-annually, quarterly or monthly. The payments on these bonds are fixed, which means the amount you receive with each payment generally remains the same. It’s this regular schedule of fixed payments that can be appealing, especially for those investors who rely on a fixed income to meet living expenses. In fact, investors often move a percentage of their portfolios into bonds to meet annual living expenses during retirement.

Growth or total return. Though bonds are often used for their ability to generate income, it is also possible for them to turn into growth investments. This happens when interest rates drop below the interest rate the bond is receiving, which makes it an appealing investment for other investors and allows the investor holding the bond to sell the bond at a premium.

Because bond prices rise and fall inversely to rising and falling interest rates, when investing in bonds for growth purposes, you should be able to withstand the price volatility or be willing to hold on to your bond investment until maturity.

Your financial advisor can help you determine whether investing in bonds should be a source of growth for your investment portfolio.

Investing in Bonds Through Trubee, Collins & Co., Inc.

The bond market offers many choices, so it’s important to have a clear picture of your goals before you begin selecting individual bonds to invest in. Other factors to consider when investing in bonds include:

  • Your investment time frame
  • Your specific income needs
  • Your tax bracket
  • Your risk tolerance

Contact your financial advisor to learn how investing in bonds can help you meet your short- and long-term financial goals. The two of you can work together to develop your investment strategy and determine how bonds may fit within that strategy. If bonds are appropriate for your situation, your financial advisor will help you select bonds that are most likely to help you meet your goals.

Investing in fixed-income securities involves certain risks, such as market risk if sold prior to maturity and credit risk especially if investing in high yield bonds, which have lower ratings and are subject to greater volatility. All fixed-income investments may be worth less than original cost upon redemption or maturity.

Yields and market value will fluctuate so that your investment, if sold prior to maturity, may be worth more or less than its original cost.

For More Information About Investing In Bonds, Or To Speak With A Financial Advisor Call 716.849.1401 Or e-Mail info@trubeecollins.com Or Use Our Online Form


Certificates of Deposit

CD

Certificates of deposit (CDs) are investments that let you earn a fixed rate of interest for a specified period of time, usually between three months and 10 years. The principal and accrued interest of certificates of deposit are insured by the Federal Deposit Insurance Corp. for as much as $250,000 per issuing institution. That insurance can give you the confidence of knowing that when you’re investing in a certificate of deposit, your investment is secure

A CD is not a security or insurance product and therefore is not covered by SIPC. Instead, CDs are insured by the FDIC up to certain limits.

We offer a wide range of certificates of deposit (CDs)
When to consider certificates of deposit (CDs)
Investing in certificates of deposit (CDs) through Trubee, Collins & Co., Inc.

We Offer a Wide Range of Certificates of Deposit (CDs)

We offer a wide selection of callable and noncallable certificates of deposit (CDs) issued by banks and thrifts nationwide. This allows us to offer competitive rates from a range of banks and may help you maximize FDIC coverage.

Trubee, Collins & Co., Inc. offers a broad range of CDs with a variety of features, terms and risks. You should carefully consider your investment goals and the risks associated with a specific CD before investing. Your financial advisor can help you determine which structures are suitable for your portfolio.

When to Consider Certificates of Deposit

If you’re a conservative investor who intends to hold your investment to maturity, then you may want to consider investing in a certificate of deposit (CD). For a minimum investment, typically $1,000, you can purchase traditional certificates of deposit (CDs) through brokerage firms, such as Trubee, Collins & Co., Inc., banks and other savings institutions.

Although most investors intend to hold their certificates of deposit (CDs) until maturity, you may be able to sell a brokered CD before maturity in the secondary market. As with other fixed-income investments, the market value of a certificate of deposit (CD) will vary depending on current interest rates, the length of the CD’s maturity and other special features of the CD. In general, when interest rates rise, the value of a certificate of deposit will decrease, and vice versa.

Keep in mind: If you sell your certificate of deposit (CD) before it matures, you may receive less than its original cost.

Investing in Certificates of Deposit (CDs) Through Trubee, Collins & Co., Inc.

Your financial advisor can help you determine whether a certificate of deposit (CD) is an appropriate investment for you and provide you with the most current CD interest rate information. In addition, he or she has access to a wide range of certificates of deposit (CDs) with a variety of interest rates and maturities and can help you select a certificate of deposit that makes sense for you.

In addition, at your request, your financial advisor will contact you when your CD is about to mature. He or she will then discuss appropriate reinvestment alternatives for your money if you don’t need it for other purposes.

Note: Trubee, Collins & Co., Inc. does not automatically reinvest the money from your maturing CD without discussing with you whether it’s the right choice for your current needs.

For More Information About Investing In CDs, Or To Speak With A Financial Advisor Call 716.849.1401 Or e-Mail info@trubeecollins.com Or Use Our Online Form


Exchange-Traded Funds

Benefits of Exchange-Traded Funds (ETFs)

Exchange-traded funds (ETFs) are index funds or trusts that are listed on an exchange and can be traded like a single stock. The benefits of these low-expense, passively managed portfolios include:

ETFs

  • Trading flexibility. Since ETFs trade on the stock exchanges, they can be bought and sold throughout the day. Exchange-traded funds also let you use limit and stop-loss orders, buy on margin, and sell short.
  • Diversity. A single investment in an exchange-traded fund gives you a diversified portfolio of stocks. They can be especially helpful if you’re looking for diversified exposure to certain industries, sectors, geographic regions or investment themes.
  • Tax efficiency. Exchange-traded funds minimize capital gains due to their in-kind creation and redemption process.
  • Transparency. While a closed-end fund or a mutual fund typically publishes its holdings only semi-annually or quarterly, ETFs publish them daily.

Risks of Investing in Exchange-Traded Funds

Exchange-traded funds are subject to risks similar to those of stocks. Investment returns may fluctuate and are subject to market volatility, so that an investor’s shares, when redeemed or sold, may be worth more or less than their original cost.

How We Can Help You Invest in Exchange Traded Funds (ETFs)

Contact your financial advisor to learn more about the advantages and disadvantages of investing in exchange-traded funds (ETFs) and to discuss whether ETFs fit within your overall investment portfolio.

 

Exchange-traded funds are sold by prospectus. Please consider the investment objectives, risks, charges and expenses carefully before investing. The prospectus, which contains this and other information, can be obtained by calling your financial advisor. Read it carefully before you invest.

For More Information About Investing In ETFs, Or To Speak With A Financial Advisor Call 716.849.1401 Or e-Mail info@trubeecollins.com Or Use Our Online Form


Stocks

Investing in Stocks to Help Meet Your Investment Goals

When it comes to stock investing, knowing your investment goal is crucial. That, along with your investing time frame and how much risk you’re willing to take when investing in stocks, will help you determine how your stock investments should work with the rest of your investment portfolio.

Stocks

When to consider investing in stocks
Diversifying your stocks
Selecting individual stocks
Stock investing through Trubee, Collins & Co., Inc.

When to Consider Investing in Stocks

Stock investing can help your investment portfolio by providing potential growth, income from dividends or a combination of the two. However, the value of any stock you invest in can fluctuate, and when you sell your stock, it may be worth more or less than you originally paid. When selecting stocks to invest in, you should carefully consider the risks of stock investing and develop a diversified asset allocation strategy that fits your goals, investing time frame and risk tolerance.

Diversifying Your Stocks

Diversifying your stock portfolio is a way to help offset the risk your stock investments are exposed to. The goal is to spread out your stock investments in different sectors and include different investment characteristics so that when a particular stock or sector performs poorly, the performance of your stocks in other sectors may help offset the swings in the total value of your stock portfolio.

Following are some basic guidelines you can use when diversifying your stock portfolio:

  • Invest in approximately 20 to 30 stocks in at least six to eight sectors with different investment characteristics.
  • No more than 25% of the total value of your stock portfolio should be in any one sector.
  • No more than 15% of the total value of your stock portfolio should be in any one stock.
  • You should invest a minimum of approximately 3% to 4% of the total value of your stock portfolio in each stock.

Your financial advisor can help you develop an investment mix that’s suitable for your situation and investment goals.

Selecting Individual Stocks

Deciding which stocks to invest in can be difficult, especially if you have a low tolerance for risk. That’s why it’s important to develop an asset allocation strategy, research stocks that fit within your strategy and invest in stocks that have the potential to help you meet your specific goals, whether you want investment growth, income or a combination of the two.

Your financial advisor can provide you with the research reports you need to help make your investment decisions as well as help you select individual stocks for your investment portfolio.

Stock Investing Through Trubee, Collins & Co., Inc.

When you invest in stocks through Trubee, Collins & Co., Inc., your financial advisor can provide you with a wide range of stock investing services, including:

  • Asset allocation strategy development
  • Individual stock selection
  • Help in deciding when to buy and sell your stocks
  • Stock portfolio reviews
  • Concentrated equity strategies (for when you own too much of one stock, such as your employer’s company stock)
  • Access to a variety of stock investing programs
  • Stock research reports available

Contact your financial advisor or Trubee Collins & Co. Inc. for more information about investing in stocks.

For More Information About Investing In Stocks, Or To Speak With A Financial Advisor Call 716.849.1401 Or e-Mail info@trubeecollins.comOr Use Our Online Form


Mutual Funds

The Popularity of Mutual Funds

Mutual funds are popular investments because they offer a cost-effective and efficient way to diversify your investments (or own shares in a variety of investments — stocks, bonds, etc.) without having to invest a lot of money at one time.

Mutual Funds

When to Consider Investing in Mutual Funds

Because they are professionally managed and offer diversification with generally a small initial investment ($250 for most funds), mutual funds are suitable for most investors. In fact, because of their simplistic nature, many investors choose to invest in mutual funds rather than select a wide variety of individual investments.

The basics about investing in mutual funds
When to consider investing in mutual funds
Investing in mutual funds through Trubee, Collins & Co., Inc.
What you need to know before investing in mutual funds

The Basics About Investing in Mutual Funds

When you purchase shares of a mutual fund, you’re pooling your money with other investors and letting the mutual fund (which is simply a professional money management company) invest and manage the money to help meet the fund’s specified investment goal (e.g., growth, income or a combination of the two). This lets you quickly build a diversified portfolio with a low minimum investment.

Investing in Mutual Funds Through Trubee, Collins & Co., Inc.

Trubee, Collins & Co., Inc. offers one of the widest arrays of fund families in the industry, and your financial advisor has the tools that can help you sort through the imposing task of finding the ones that may help you meet your unique goals. Work closely with your financial advisor to develop a mutual fund portfolio that’s suitable for your specific situation.

What You Need to Know Before Investing in Mutual Funds

You should carefully consider the investment objectives, risks, charges and expenses of a mutual fund company before investing in one or more of its mutual funds. Your financial advisor can provide you with prospectuses containing this and other important information about the mutual funds you are considering. Please read the prospectuses carefully before investing in mutual funds or sending money.

For More Information About Investing Mutual Funds, Or To Speak With A Financial Advisor Call 716.849.1401 Or e-Mail info@trubeecollins.com Or Use Our Online Form


IRAs

IRAs Offer Tax-Deferred Retirement Savings

IRAs are investment accounts that are designed to provide you a tax-advantaged way to save for retirement. The special IRS status given to IRAs also comes with some limitations, such as how much you can contribute, when you can begin making distributions and what happens when you make your distributions too soon.

IRAs

When to consider an IRA
Different types of IRAs
Investing in IRAs through Trubee, Collins & Co., Inc.

When to Consider an IRA

You should consider investing in an IRA if:

  • Your employer (or your spouse’s employer) doesn’t offer a qualified retirement plan, such as a 401(k), 403(b), or a profit sharing or pension plan
  • You’re maximizing your contributions to your employer-sponsored plan and would like to save more
  • You’re changing jobs and need to move your assets from your former employer’s qualified retirement plan
  • You want to consolidate your retirement savings for easier management

Different Types of IRAs

There are several types of IRAs you can choose from, each with their own set of rules and tax advantages. Your financial advisor can help you determine which of the IRAs makes the most sense for your situation. However, below is an overview that can help you determine which of the IRAs you may qualify for.

Traditional IRAs. With Traditional IRAs, you pay no taxes on your earnings until you begin taking distributions at retirement. In addition, your contributions may be tax-deductible if your modified adjusted growth income (MAGI) falls within certain limits.1  For more information on contribution limits, please consult your financial advisor or visit the IRS website here >

Traditional IRAs. With Traditional IRAs, you pay no taxes on your earnings until you begin taking distributions at retirement. In addition, your contributions may be tax-deductible if your modified adjusted growth income (MAGI) falls within certain limits.1  For more information on contribution limits, please consult your financial advisor or visit the IRS website here >

Roth IRAs. Contributions to a Roth IRA are made after taxes rather than pretax. However, earnings are tax-free if you meet certain conditions.1  For more information on contribution limits, please consult your financial advisor or visit the IRS website here >

SEP & SIMPLE IRAs. SEP IRAs and SIMPLE IRAs are retirement plans designed for the needs of small business owners and their employees. They offer tax-deductible contributions for the employers as well as tax-deferral for the employees.2 For more information on contribution limits, please consult your financial advisor or visit the IRS website here >

IRA Rollovers. Take your retirement savings with you when you change jobs or retire. This gives you investment flexibility and helps make managing your retirement savings easier. You can roll over your retirement savings into a Traditional or Roth IRA. For more information on contribution limits, please consult your financial advisor or visit the IRS website here >

Note: Rolling over your retirement savings into a Roth IRA may trigger a tax liability.

Investing in IRAs Through Trubee, Collins & Co., Inc.

Your financial advisor can help you determine which IRA makes sense for your particular situation and help you develop a retirement plan that can help you meet your long-term goals. Contact your financial advisor for more information.

1Traditional IRA distributions are taxed as ordinary income. Qualified Roth IRA distributions are not subject to state and local taxation in most states. Qualified Roth IRA distributions are also federally tax-free provided a Roth account has been open for at least five years and the owner has reached age 59 1/2 or meets other requirements. Both may be subject to a 10% Fedearl tax penalty if distributions are taken prior to age 59 1/2.

2Withdrawals are subject to ordinary income tax and may be subject to a federal 10% penalty if taken prior to age 59 1/2. For SIMPLE IRAs the federal penalty increases to 25% if taken during the first two years of plan membership.

For More Information About Investing In IRAs, Or To Speak With A Financial Advisor Call 716.849.1401 Or e-Mail info@trubeecollins.com Or Use Our Online Form


Money Market

Money Market Funds for Your Short-Term Cash

Money market funds can be a smart choice for investors looking for a temporary place to store their short-term cash. Money market funds invest in highly liquid, low-risk securities and can be a great way to keep your cash working for you either between larger investments or as part of your diversification strategy. Although there are many benefits to this investment vehicle, money market funds are not federally insured like bank money market accounts.

Money Market Funds

How money market funds work
Investing in money market funds through Trubee, Collins & Co., Inc.
What you need to know before you invest in money market funds

How Money Market Funds Work

Money market funds are managed to maintain the value of the amount you originally invest (your principal). In other words, for every dollar you put into a money market fund, the intent is to return the $1 invested plus the amount of interest you earn from the money market market fund. As a result, the value of each share of a money market fund — called “net asset value” — should be $1.

An investment in any of the money market funds is neither insured nor guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the fund seeks to preserve the value of your investment at one dollar per share, it is possible to lose money by investing in the fund.

Investing in Money Market Funds Through Trubee, Collins & Co., Inc.

Contact your financial advisor to learn more about money market funds and how they can be used as part of your investment portfolio. Your financial advisor can tell you about the money market funds we have available as well as provide you with their current interest rates.

Investment returns may fluctuate and are subject to market volatility, so that an investor’s shares, when redeemed or sold, may be worth more or less than their original cost.

What You Need to Know Before You Invest in Money Market Funds

Before you invest in money market funds, ask your financial advisor for prospectuses of any money market funds you’re interested in. These prospectuses contain important information about the money market funds. You should read the prospectuses and carefully consider the investment objectives, risks, charges and expenses of the money market funds before investing or sending money.

For More Information About Investing In Money Market Funds, Or To Speak With A Financial Advisor Call 716.849.1401 Or e-Mail info@trubeecollins.com Or Use Our Online Form


Options

Options Provide Opportunities to Buy & Sell Investments at Specific Prices

Options are contracts that give the options holder the right (but not the obligation) to buy or sell shares of an underlying security at a pre-established price for a set period of time. Investors often use options to hedge an existing investment. By purchasing options, an investor has the potential opportunity to earn profits while limiting the risk of loss.

Options

Please note: Although options can be used to hedge an existing investment, options can also expose you to potentially significant risks. An investor who purchases options may lose the entire amount committed to the options in a relatively short period of time.

Benefits of options
Buying and selling options
Trading options through Trubee, Collins & Co., Inc.

Benefits of Options

While there are many risks associated with buying and selling options, some investors with more complex portfolios may be able to benefit from the implementation of options strategies that fit within their overall investment profile. In the right situation, options can help you:

  • Protect your stock holdings from a decline in market price
  • Increase income against current stock holdings
  • Prepare to buy stocks at a lower price
  • Position yourself for big shifts in the market
  • Benefit from the rise or fall of a stock’s price without having to incur the cost of actually buying or selling the stock

Buying & Selling Options

When you buy options, you’re buying the right to buy or sell the underlying investment at a specific price. However, it doesn’t mean you must buy or sell the investment. It just gives you the right to do so.

When you sell options, you’re selling the right to buy or sell the underlying investment to another investor. That investor can choose whether or not to buy the underlying investment, but you’ve given up that right to make that particular decision.

Options are a very complex investment strategy with many moving parts. Options are not suitable for all investors. Your financial advisor will be your best source of information about how options actually work and risks associated with buying and selling options.

Trading Options Through Trubee, Collins & Co., Inc.

You and your financial advisor can work together to determine whether options are appropriate for your particular situation. If options are appropriate, your financial advisor will help you develop strategies for buying and selling options that fit your investment goals, time frame and risk tolerance. Before you implement such a strategy, be sure to ask your financial advisor for a copy of the options disclosure document entitled “Characteristics and Risks of Standardized Options,” which discusses specific information about the risks of buying and selling options.

For More Information About Investing In Options, Or To Speak With A Financial Advisor Call 716.849.1401 Or e-Mail info@trubeecollins.com Or Use Our Online Form

Unit Investment Trusts

Diversify Your Portfolio With Unit Investment Trusts (UITs)

Unit investment trusts offer a simple, convenient and affordable way to develop a well-diversified investment portfolio of stocks and/or bonds without having to select and manage the individual investments yourself.

UITs

How unit investment trusts work
When to consider unit investment trusts
Risks of investing in unit investment trusts
Investing in unit trusts (UITs) through Trubee, Collins & Co., Inc.

How Unit Investment Trusts Work

Unit investment trusts (UITs) are registered investment companies that generally purchase a fixed, unmanaged portfolio of stocks and/or bonds that are preselected by investment professionals to meet a specific goal (although there is no guarantee the unit trust will meet its objectives).

Fixed portfolios. The investments within a unit trust are fixed for a predetermined time, which means the investments do not change unless a company is bought or merged with another company or a company’s financial condition becomes irreparable. This means you always know what you own.

Buying trust units. Unit investment trusts are established for specified periods of time and liquidated to trust unit holders on their predetermined termination dates. A limited number of trust units are offered during presale purchase periods, which can last anywhere from one day to one year. During that time you can indicate an interest in buying units of the trust.

Units of a unit investment trust can often be bought for as little as $1,000 ($500 for an IRA). Owning a unit of the trust means you own a proportional share of all the investments within the portfolio. It also means that, for a fraction of the cost, you can have diversified investments (including stocks and/or bonds) that would normally require $100,000 or more to purchase on their own.

Selling trust units. You can sell your trust units back to the unit trust at any time prior to the trust’s termination for their net asset value (based on the value of the underlying securities) less any remaining deferred sales charges, which provides you with the liquidity you may need. Some unit investment trusts then resell those “returned” units to other investors.

Because the market value of the trust units fluctuates with changes in market conditions and the value of the underlying securities, shares of the unit trust may be worth more or less than their original price when sold.

When to Consider Unit Investment Trusts

Unit investment trusts may be suitable for most investors, whether they’re conservative, more aggressive or somewhere in between. That’s because unit trusts provide diversification of quality stocks in a convenient and affordable package without losing the liquidity many investors need. And because the investments within the unit trust seldom change, it’s easy to track the performance of your diversified investment portfolio.

In addition, because a wide array of unit trusts with different investment objectives and levels of diversification are available, you may be able to find a unit trust that’s right for you, whether you’re a new investor or a sophisticated investor with complex needs.

Risks of Investing in Unit Investment Trusts

Unit investment trusts are not actively managed. Securities in the trust will not be sold to take advantage of market conditions. The trust may continue to hold securities even though their market value and dividend yields may have changed. A unit investment trust generally carries the same investment risks as the portfolio of securities within the trust.

Investing in Unit Trusts (UITs) Through Trubee, Collins & Co., Inc.

Your financial advisor can help you determine whether unit investment trusts are good investments for you and help you select a unit trust that makes sense for your situation.

Your financial advisor can provide you with prospectuses for any unit investment trusts (UITs) that are currently available. You should carefully consider the investment objectives, risks, charges and expenses of the unit trust before investing. The prospectus contains this and other important information. You should read it carefully before investing or sending money

For More Information About Investing In UITs, Or To Speak With A Financial Advisor Call 716.849.1401 Or e-Mail info@trubeecollins.com Or Use Our Online Form