What you need to know about investing

It’s never too early to take the first step in saving for your long-term goals. Prioritize savings into your monthly budget and make it easy on yourself with automated savings.

Save a portion of your income for retirement and adjust your savings periodically to account for pay raises, tax refunds, or monetary gifts. Even small contributions toward your goal can make a great impact over time.

Long-term goals may include saving for your child’s future education or planning for retirement. Speak with a financial advisor to determine appropriate savings and investment vehicles that align with your financial goals.

Diversifying your portfolio can be one of the most effective ways to manage your risk exposure.  Our team can help you understand the benefits of various investment options, including stocks, bonds, mutual funds, and exchange-traded-funds (ETFs).

There are unique tax advantages for certain accounts like Traditional and Roth IRAs, employer-sponsored 401(k) plans, and 529 Savings Plans.In partnership with your tax advisor, we can discuss the potential tax advantages that may align with your timeline and financial goals.*

*Johnson Financial Group and its subsidiaries do not provide legal or tax advice. Please consult your attorney or tax advisor with respect to your personal situation.

Market volatility is normal. Talking with a financial advisor can help you affirm your risk tolerance and ease your concerns by understanding the history of previous economic downturns and opportunities for growth amidst the disruption.

Understand your investment options

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Financial Planning

A financial plan can help define how your income and assets can provide for a lifetime of happiness and your retirement. Healthy savings habits, spending discipline and appropriate investments are necessary to meet your goals. But, you need more than just a plan. Our advisors can keep you centered on your plan when faced with market downturns or enticing spending opportunities. 

We will begin by understanding you along with your strengths and weaknesses surrounding money in order to develop a financial plan with the appropriate investment solutions to meet your unique goals. 

Our advisors are invested in you and your family and are committed to helping you get where you want to go.

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Individual Retirement Accounts

Whether your retirement is soon approaching or several years down the road, the advantages of an IRA can give you confidence as you prepare.

Traditional IRAs

If you’ve earned income and are younger than age 70½, a traditional IRA may be the best option.

Roth IRAs

If you’ve earned income below a certain threshold set by the IRS, a Roth IRA may be best for you.

Contributions to a traditional IRA may be tax deductible in the contribution year, with current income tax due at withdrawal. Withdrawals prior to age 59 ½ may result in a 10% IRS penalty tax in addition to current income tax. The Roth IRA offers tax deferral on any earnings in the account. Withdrawals may be tax free, as long as they are considered qualified. Limitations and restrictions may apply. Withdrawals prior to age 59 ½ or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax.

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Stocks, Bonds and Funds

Our advisors will work with you to develop a strategy based on your goals, risk tolerance and timeline.

Stocks

Stocks give you the opportunity to buy ownership in a specific company or companies.

Bonds

Bonds are a good way to diversify your stock portfolio and can balance out a downturn in the stock market.

Mutual Funds

A popular choice for funds is a mutual fund that includes a portfolio of stocks, bonds, or other securities.

Exchange-Traded Funds (ETF)

An ETF is a basket of securities that you can buy or sell through a brokerage firm on a stock exchange.

Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. In general, the bond market is volatile as prices rise when interest rates fall and vice versa. Any fixed income security sold or redeemed prior to maturity may be subject to a substantial gain or loss. An issuer may default on payment of the principal or interest of a bond. Bonds are also subject to other types of risks such as call, credit, liquidity, interest rate, and general market risks.

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Annuities

An annuity is an investment tool that can provide you with a regular paycheck after you retire.

  • Make a single contribution or several payments over time.
  • Contribute any amount, regardless of your income level or age.
  • Your funds grow tax-deferred.
  • Once you begin taking withdrawals, you can choose from different options, including a fixed amount for life or payments to your beneficiaries.
  • Choose between a fixed annuity or a variable annuity.
  • Choose if you want immediate income or deferred income in retirement.

Fixed and Variable annuities are suitable for long-term investing, such as retirement investing. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59 ½ are subject to a 10% IRS penalty tax and surrender charges may apply. Variable annuities are subject to market risk and may lose value.

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Our advisors will provide personalized guidance to help you tailor an investment strategy aligned with your financial goals.

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