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Required Minimum Distribution Calculator | Investor.gov

Required Minimum Distribution Calculator. IMPORTANT: The Coronavirus Aid, Relief, and Economic Security Act (CARES) Act of 2020 contains provisions providing a temporary waiver of RMDs for IRAs, 401 (k)s and other employee-sponsored retirements plans for 2020. SECURE Act Raises Age for RMDs from 70½ to 72: The Setting Every Community Up for

Actived: Sunday Oct 24, 2021

Detail: https://www.investor.gov/financial-tools-calculators/calculators/required-minimum-distribution-calculator

Mutual Fund Classes | Investor.gov

(52 years ago) Some mutual funds offer investors different types of shares, known as "classes." Each class invests in the same portfolio of securities and has the same investment objectives and policies. But each class has different shareholder services and/or distribution arrangements with different fees and expenses. Because of the different fees and expenses, each class will likely have …

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Welcome to Investor.gov/CRS | Investor.gov

(52 years ago) */ /*-->*/ As of June 30, registered broker-dealers and registered investment advisers are required to provide a new customer or client relationship summary (also called Form CRS) to retail investors. SEC staff designed this investor.gov page to help investors better understand how to use the relationship summary when choosing a financial professional.

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Lost or Stolen Stock Certificates | Investor.gov

(52 years ago) Lost or Stolen Stock Certificates. Brokerage firms, banks, transfer agents and corporations have procedures in place to help investors replace lost or stolen certificates. If your securities certificate is lost, accidentally destroyed, or stolen, you should immediately contact the transfer agent and request a "stop transfer" to prevent ...

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Seniors | Investor.gov

(52 years ago) The SEC’s Office of Investor Education and Advocacy and the Financial Industry Regulatory Authority (FINRA) are issuing this Investor Bulletin to inform investors about social sentiment investing tools and highlight their risks. This Bulletin provides tips to consider before using tools that analyze or aggregate information from social media sources to make investment decisions …

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Compound Interest Calculator | Investor.gov

(52 years ago) Step 3: Interest Rate. Estimated Interest Rate. Your estimated annual interest rate. Interest rate variance range. Range of interest rates (above and below the …

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Investing on Your Own | Investor.gov

(52 years ago) The first step to investing, especially investing on your own, is to make sure you have a financial plan. How much are you going to invest? For how long? What are your financial goals? Do you understand your tolerance for risk? All investments carry some risk.

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Savings Bonds | Investor.gov

(52 years ago) Savings bonds are debt securities issued by the U.S. Department of the Treasury to help pay for the U.S. government’s borrowing needs. U.S. savings bonds are considered one of the safest investments because they are backed by the full faith and credit of the U.S. government. Starting January 1, 2012, you can no longer buy paper savings bonds at financial institutions.

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Old Stock and Bond Certificates | Investor.gov

(52 years ago) An old stock or bond certificate may still be valuable even if it no longer trades under the name printed on the certificate. The company may have merged with another company or simply changed its name. Keep in mind that due to corporate reorganizations (such as splits, mergers, or reverse mergers), the current share price may not be useful in determining the certificate's …

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Home | Investor.gov

(52 years ago) Oct 04, 2021 · Investor Alerts and Bulletins. Be on the Lookout for Investment Scams Related to Hurricane Ida. Sep 3, 2021. Digital Asset and “Crypto” Investment Scams – Investor Alert. Sep 1, 2021. Fraudsters Posing as Brokers or Investment Advisers – Investor Alert. Jul 27, 2021. More Alerts and Bulletins.

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Stock Market Circuit Breakers | Investor.gov

(52 years ago) Market-Wide Circuit Breakers – The securities and futures exchanges have procedures for coordinated cross-market trading halts if a severe market price decline reaches levels that may exhaust market liquidity. These procedures, known as market-wide circuit breakers, may halt trading temporarily or, under extreme circumstances, close the markets before the normal …

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Publications | Investor.gov

(52 years ago) To order printed copies of publications, please send the following information to [email protected]: (i) mailing address; (ii) title of publication; and (iii) number of brochures requested. Most publication orders will arrive in 1-2 weeks.

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Investing During Your Service | Investor.gov

(52 years ago) Invest Throughout Your Career. Say your goal is to save $500,000 for retirement by age 65 -- by starting at age 25 and investing in the TSP or a mutual fund averaging 7 percent a year, you’d only have to contribute a little more than $200 per month. If, however, you didn’t begin saving until age 50, you’d have to save more than $1,600 per ...

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Invest For Your Goals | Investor.gov

(52 years ago) Invest For Your Goals. From retirement planning, to saving for education, to simply building a nest egg, individual investors may have a wide range of goals they hope to achieve. A concrete investment plan can help keep you on track – and increase your chances of achieving your goals. YouTube. U.S. Securities and Exchange Commission.

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Regulation D Offerings | Investor.gov

(52 years ago) Under the federal securities laws, any offer or sale of a security must either be registered with the SEC or meet an exemption. Regulation D under the Securities Act provides a number of exemptions from the registration requirements, allowing some companies to offer and sell their securities without having to register the offering with the SEC.

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Annuities | Investor.gov

(52 years ago) What are annuities? An annuity is a contract between you and an insurance company that requires the insurer to make payments to you, either immediately or in the future. You buy an annuity by making either a single payment or a series of payments. Similarly, your payout may come either as one lump-sum payment or as a series of payments over time.

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Going Private | Investor.gov

(52 years ago) A number of kinds of transactions can result in a company going private, including: Another company or individual makes a tender offer to buy all or most of the company’s publicly held shares; The company merges with another company; or. The company declares a reverse stock split that reduces the number of shareholders of record.

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Shareholder Lists, When You Can Get Them | Investor.gov

(52 years ago) Shareholder Lists, When You Can Get Them. Although investors sometimes ask the SEC for a list of a company's shareholders, the SEC does not maintain shareholder lists. Under SEC rules, a company must provide shareholders with a process for contacting other shareholders in two limited situations. The first occurs during proxy solicitations ...

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Lost and Stolen Securities Program | Investor.gov

(52 years ago) Congress directed the establishment of the Lost and Stolen Securities Program (LSSP) to curtail trafficking in lost, stolen, missing, and counterfeit securities certificates. Rule 17f-1 under the Exchange Act governs LSSP operations. The LSSP consists mainly of a database for securities that have been reported lost, stolen, missing, or counterfeit.

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Accredited Investors – Updated Investor Bulletin ...

(52 years ago) Apr 14, 2021 · An accredited investor, in the context of a natural person, includes anyone who: earned income that exceeded $200,000 (or $300,000 together with a spouse or spousal equivalent) in each of the prior two years, and reasonably expects the same for the current year, OR. has a net worth over $1 million, either alone or together with a spouse or ...

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Bonds, Selling Before Maturity | Investor.gov

(52 years ago) Investors who hold a bond to maturity (when it becomes due) get back the face value or "par value" of the bond. But investors who sell a bond before it matures may get a far different amount. For example, if interest rates have risen since the bond was purchased, the bondholder may have to sell at a discount—below par. But if interest rates have fallen, the bondholder may be able …

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Rule 506 of Regulation D | Investor.gov

(52 years ago) Rule 506 of Regulation D provides two distinct exemptions from registration for companies when they offer and sell securities. Companies relying on the Rule 506 exemptions can raise an unlimited amount of money. Under Rule 506(b), a “safe harbor” under Section 4(a)(2) of the Securities Act, a company can be assured it is within the Section 4(a)(2) exemption by …

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Short Sales | Investor.gov

(52 years ago) Short Sales. A short sale generally involves the sale of a stock you do not own (or that you will borrow for delivery). Short sellers believe the price of the stock will fall, or are seeking to hedge against potential price volatility in securities that they own. If the price of the stock drops, short sellers buy the stock at the lower price ...

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Relationship Summary | Investor.gov

(52 years ago) Form CRS is a client or customer relationship summary. Advisers and brokers are required to deliver a relationship summary to you beginning in summer 2020. The relationship summary contains important information about the adviser or broker. Choosing or continuing to work with a financial professional is an important decision. Advisers and brokers offer different types of …

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What is compound interest? | Investor.gov

(52 years ago) Starting young lets the students take advantage of the magic of "compound interest." Compound interest is the interest you earn on interest. This can be illustrated by using basic math: if you have $100 and it earns 5% interest each year, you'll have $105 at the end of the first year. At the end of the second year, you'll have $110.25. Not only did you earn $5 on the initial $100 deposit, you ...

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FBI and OIEA Warn Public that Fraudsters are Targeting ...

(52 years ago) Sep 17, 2020 · The FBI Criminal Investigative Division and the Office of Investor Education and Advocacy of the Securities and Exchange Commission (“SEC”) would like to warn consumers of a recent increase in fraudulent schemes targeting owners of timeshare properties in Mexico. These scams typically involve individuals alleging to be representatives of a brokerage firm, travel …

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Mergers | Investor.gov

(52 years ago) Mergers are transactions involving the combination of generally two or more companies into a single entity. The need for shareholder approval of a merger is governed by state law. Typically, a merger must be approved by the holders of a majority of the outstanding shares of the target company. Approval of the acquiring company’s shareholders may also be required under …

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Ex-Dividend Dates: When Are You Entitled to Stock and Cash ...

(52 years ago) Sep 08, 2017 · To determine whether you should get a dividend, you need to look at two important dates. They are the "record date" or "date of record" and the "ex-dividend date" or "ex-date." When a company declares a dividend, it sets a record date when you must be on the company's books as a shareholder to receive the dividend. Companies also use this date to …

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Guide for Seniors: Protect Yourself Against Investment ...

(52 years ago) Seniors are often the target of fraud. However, with some basic understanding of how scam artists work, you can avoid fraud and protect your hard-earned money. Learning how to invest safely can mean a huge difference in your retirement years. Seniors are particularly vulnerable to tactics of scam artists who are “nice” or attempt to develop a false bond of friendship.

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Restricted Securities | Investor.gov

(52 years ago) Restricted securities are securities acquired in an unregistered, private sale from the issuing company or from an affiliate of the issuer. They typically bear a “restrictive” legend clearly stating that you may not resell them in the public marketplace unless the sale is exempt from the SEC’s registration requirements.

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Look Out for Coronavirus-Related Investment Scams ...

(52 years ago) Feb 04, 2020 · Look Out for Coronavirus-Related Investment Scams - Investor Alert. Feb. 4, 2020. Updated February 10, 2021. The SEC’s Office of Investor Education and Advocacy is issuing this Investor Alert to warn investors about investment frauds involving claims that a company’s products or services will be used to help stop the coronavirus outbreak.

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Broker-Dealers: Why They Ask for Personal Information ...

(52 years ago) Brokers generally request personal information from their customers, including financial and tax identification information, to comply with U.S. government laws and rules, as well as rules imposed by self-regulatory organizations (SROs). Brokers request personal information from new customers as well as from customers who have had long-standing relationships with their firms.

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Form ADV | Investor.gov

(52 years ago) Form ADV is the uniform form used by investment advisers to register with both the SEC and state securities authorities. The form consists of two parts, both of which are available to the public on the SEC’s Investment Adviser Public Disclosure (IAPD) website. Part 1 requires information about the investment adviser’s business, ownership, clients, employees, business …

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Investor Bulletin: Stop, Stop-Limit, and Trailing Stop ...

(52 years ago) Jul 13, 2017 · July 13, 2017. The SEC’s Office of Investor Education and Advocacy is issuing this Investor Bulletin to help educate investors about the difference between using “stop” and “stop limit” orders to buy and sell stocks. Stop, stop-limit, and trailing stop orders may not be available through all brokerage firms. Investors should contact ...

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Fechas Ex-Dividendo: Cuándo tiene usted derecho a ...

(52 years ago) Para determinar si usted deberá recibir un dividendo, necesita mirar dos fechas importantes. Éstas son “la fecha de registro” y “la fecha ex-dividendo”. Cuando una compañía presenta un dividendo, establece una fecha de registro para la cual usted deberá figurar en los libros de la compañía como accionista para poder recibir el dividendo.

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Convertible Securities | Investor.gov

(52 years ago) Convertible Securities. A "convertible security" is a security—usually a bond or a preferred stock—that can be converted into a different security—typically shares of the company's common stock. In most cases, the holder of the convertible determines whether and when to convert. In other cases, the company has the right to determine when ...

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Target Date Fund | Investor.gov

(52 years ago) A diversified mutual fund that automatically shifts towards a more conservative mix of investments as it approaches a particular year in the future, known as its "target date." A target date fund investor picks a fund with the right target date based on his or her particular investment goal. The managers of the fund then make all decisions about asset allocation, diversification, and …

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Avoiding Investment Fraud in Your Faith-Based Community ...

(52 years ago) Nov 01, 2019 · In SEC v.John Henderson and Global Leadership Resources LLC, the SEC charged an Illinois-based corporation and its founder, president, and CEO for making false and misleading statements in a securities offering aimed at Christian investors.According to the SEC’s complaint, the alleged offering fraud targeted individuals associated with a Christian college, …

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Mini-Tender Offers | Investor.gov

(52 years ago) "Mini-tender" offers are tender offers that, when consummated, will result in the person who makes the tender offer owning less than five percent of a company’s stock. The people behind these offers—also known as "bidders"—frequently use mini-tender offers to catch shareholders off guard. Most bidders won’t use the term “mini-tender offer” to describe their offer to buy shares.

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Avoiding Retirement Fraud | Investor.gov

(52 years ago) Retirees are often the target of fraud. However, with some basic understanding of how scam artists work, you can avoid fraud and protect your hard-earned money. Learning how to invest safely can mean a huge difference in your retirement years.

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Reglamento 144 del Acta de Valores | Investor.gov

(52 years ago) Las leyes federales de valores pueden clasificar ciertos valores como restringidos o de control. La venta de valores restringidos o de control en el mercado puede ser un proceso complicado. Bajo las leyes federales de valores, toda oferta y venta de valores deberá estar registrada con la SEC o calificar para alguna exención de los requisitos de registro.

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College Savings Calculator | Investor.gov

(52 years ago) To calculate how much money you need to contribute each month in order to meet a specific education savings goal, please visit the DoD’s Office of Financial Readiness site to use its College Savings Calculator. Estimated time to use calculator: 3 minutes

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Funds Trading in Bitcoin Futures – Investor Bulletin ...

(52 years ago) Jun 10, 2021 · In the United States, Bitcoin is a commodity, and commodity futures trading is required to take place on futures exchanges regulated and supervised by the CFTC. Funds regulated under the Investment Company Act of 1940 and its rules (“funds”) are required to provide important investor protections. For example, funds must comply with legal ...

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Freeriding | Investor.gov

(52 years ago) Freeriding. In a cash account, an investor must pay for the purchase of a security before selling it. If an investor buys and sells a security before paying for it, the investor is “freeriding” which is not permitted under the Federal Reserve Board’s Regulation T. and may require the investor’s broker to “freeze” the investor’s ...

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ICO – Howeycoins | Investor.gov

(52 years ago) We anticipate OVER 1% daily returns, with DOUBLE 2% returns on Tier 1 investors in pre-ICO stage secured purchases. We also forecast a minimum growth rate of between 7% to 15% annualized, making HoweyCoins attractive for long-term investment. In addition, HoweyCoins can serve as a GUARANTEED hedge against inflation and market loss.

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American Depositary Receipts (ADRs) | Investor.gov

(52 years ago) The stocks of most foreign companies that trade in the U.S. markets are traded as American Depositary Receipts (ADRs). U.S. depositary banks issue these stocks. Each ADR represents one or more shares of foreign stock or a fraction of a share. If you own an ADR, you have the right to obtain the foreign stock it represents, but U.S. investors usually find it more convenient to …

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