Investing involves risks, including loss of principal. Stock and bond values fluctuate in price so that value of an investment can go down depending on market conditions. Stock prices may fluctuate due to stock market volatility and market cycles, as well as circumstances specific to a company or industry. Investing in international stocks entail the special risks, including currency exchange fluctuation, government regulations, and the potential for political and economic instability.
The two main risks related to fixed income investing are interest rate risk and credit risk. Typically, when interest rates rise, there is a corresponding decline in the market value of bonds. Credit risk refers to the possibility that the issuer of the bond will not be able to make principal and interest payments.
Past performance is no guarantee of future results.
The S&P 500 Stock index is a widely recognized, unmanaged index of common stocks. Average annual returns assume the reinvestment of all distributions and/or dividends. Indices are unmanaged, statistical composites and their returns do not include payment of any sales charges or fees an investor would pay to purchase the securities they represent. Such costs would lower performance. It is not possible to invest directly in an index.
Please consult a tax or legal professional regarding your personal situation. John Valentine, Registered Representative. Advisory services offered through Valentine Capital Asset Management, Inc.
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