One of FINRA's main goals is to protect the investing public. These alerts provide you with information to help you avoid problems in today’s complex world of investing—and to help protect your and your family from investment scams.
While the new year is beginning with improving economic conditions, the financial situation of many Americans remains fragile. Recent changes to the tax code, along with continuing economic uncertainty, make this a challenging year for many consumers and investors. Military families are especially vulnerable due to regular PCS moves, interrupted spouse careers, and frequent deployments. The FINRA Investor Education Foundation has put together 5 tips that can help America's military families successfully navigate changing conditions and avoid a personal financial cliff.
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Do you receive a monthly pension? Are you getting regular distributions from a settlement following a personal injury lawsuit? If so, you may be targeted by salespeople offering you a lump sum today to buy the rights to some or all of the payments you would otherwise receive in the future.
Municipal securities—including municipal bonds or "muni bonds"—are securities issued by states, cities, counties and other governmental entities to raise money to build roads, schools and a host of other projects. While munis have historically been considered relatively conservative investments, they do, like all bond investments, carry risk.
If you own bonds or have money in a bond fund, there is a number you should know. It is called duration. Although stated in years, duration is not simply a measure of time. Instead, duration signals how much the price of your bond investment is likely to fluctuate when there is an up or down movement in interest rates. The higher the duration number, the more sensitive your bond investment will be to changes in interest rates.