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REQUIRED MINIMUM DISTRIBUTION CALCULATOR 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 forQUIZ | INVESTOR.GOV
The .gov means it’s official. Federal government websites often end in .gov or .mil. Before sharing sensitive information, make sure you’re on a federal government site.MARKET MAKERS
Market Makers. A "market maker" is a firm that stands ready to buy or sell a stock at publicly quoted prices. Learn More. Test your knowledge on common investing termsREGULATION A
Regulation A. Under the federal securities laws, any offer or sale of a security must either be registered with the SEC or meet an exemption. Regulation A. is an exemption from the registration requirements, allowing companies to offer and sell their securities without having to register the offering with the SEC. WELCOME TO INVESTOR.GOV/CRS */ /*-->*/ 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. COMPOUND INTEREST CALCULATOR Step 3: Interest Rate. Estimated Interest Rate. Your estimated annual interest rate. Interest rate variance range. Range of interest rates (above and below the rate set above) that you desire to see resultsfor.
REQUIRED MINIMUM DISTRIBUTION CALCULATOR 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 forQUIZ | INVESTOR.GOV
The .gov means it’s official. Federal government websites often end in .gov or .mil. Before sharing sensitive information, make sure you’re on a federal government site.MARKET MAKERS
Market Makers. A "market maker" is a firm that stands ready to buy or sell a stock at publicly quoted prices. Learn More. Test your knowledge on common investing termsREGULATION A
Regulation A. Under the federal securities laws, any offer or sale of a security must either be registered with the SEC or meet an exemption. Regulation A. is an exemption from the registration requirements, allowing companies to offer and sell their securities without having to register the offering with the SEC.HOME | INVESTOR.GOV
Read our investor alert on the significant risks of short-term trading based on social media. Know the Risks of Day Trading. Read this Director’s Take article to understand the risks of engaging in this type of speculative investing. Investing Quiz – May 2021. Test your knowledge on common investing terms and strategies and current LEVERAGED INVESTING STRATEGIES The SEC’s Office of Investor Education and Advocacy is issuing this Investor Bulletin to help educate investors about the risks of using leveraged investment strategies. FUNDS TRADING IN BITCOIN FUTURES Bitcoin. Bitcoin is a digital asset, or an asset that relies on blockchain technology.Bitcoin has also been called a “virtual currency” or a “cryptocurrency.” Bitcoin future. A Bitcoin futures contract is a standardized agreement to buy or sell a specific quantity of Bitcoin at a specified price on a particular date in thefuture.
FORM ADV | INVESTOR.GOV 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 practices SHAREHOLDER LISTS, WHEN YOU CAN GET THEM 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 solicitationsSEC RESEARCH
This survey was designed to inform the SEC’s Office of Investor Education and Advocacy about investors’ opinions regarding various disclosure documents filed by companies, including mutual fund companies. A total of 1,000 telephone interviews were conducted using a national population sample of adults who invest outside of anemployer
ADVANCE FEE FRAUD
Advance fee frauds ask investors to pay a fee up front – in advance of receiving any proceeds, money, stock, or warrants – in order for the deal to go through. The advance payment may be described as a fee, tax, commission, or incidental expense that will be repaid later. Advance fee frauds may involve the sale of products or services, the offering of investments, lottery winnings, found EX-DIVIDEND DATES: WHEN ARE YOU ENTITLED TO STOCK AND CASH 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 determine who is sent proxy statementsREVERSE MERGERS
Many private companies, including some whose operations are located in foreign countries, seek to access the U.S. capital markets by merging with existing public companies. These transactions are commonly referred to as “reverse mergers” or “reverse takeovers(RTOs).”
INFORMATION ABOUT SOME COMPANIES NOT AVAILABLE FROM THE Investors are sometimes surprised to learn the SEC does not have information about all companies that offer and sell securities. When a company conducts a registered offering or an exempt offering under Regulation A or Regulation Crowdfunding, the company is required to file information about the company, including financial statements, and a description of the offering with the SEC. WELCOME TO INVESTOR.GOV/CRS */ /*-->*/ 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. COMPOUND INTEREST CALCULATOR Step 3: Interest Rate. Estimated Interest Rate. Your estimated annual interest rate. Interest rate variance range. Range of interest rates (above and below the rate set above) that you desire to see resultsfor.
REQUIRED MINIMUM DISTRIBUTION CALCULATOR 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 forQUIZ | INVESTOR.GOV
The .gov means it’s official. Federal government websites often end in .gov or .mil. Before sharing sensitive information, make sure you’re on a federal government site.MARKET MAKERS
Market Makers. A "market maker" is a firm that stands ready to buy or sell a stock at publicly quoted prices. Learn More. Test your knowledge on common investing termsREGULATION A
Regulation A. Under the federal securities laws, any offer or sale of a security must either be registered with the SEC or meet an exemption. Regulation A. is an exemption from the registration requirements, allowing companies to offer and sell their securities without having to register the offering with the SEC. WELCOME TO INVESTOR.GOV/CRS */ /*-->*/ 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. COMPOUND INTEREST CALCULATOR Step 3: Interest Rate. Estimated Interest Rate. Your estimated annual interest rate. Interest rate variance range. Range of interest rates (above and below the rate set above) that you desire to see resultsfor.
REQUIRED MINIMUM DISTRIBUTION CALCULATOR 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 forQUIZ | INVESTOR.GOV
The .gov means it’s official. Federal government websites often end in .gov or .mil. Before sharing sensitive information, make sure you’re on a federal government site.MARKET MAKERS
Market Makers. A "market maker" is a firm that stands ready to buy or sell a stock at publicly quoted prices. Learn More. Test your knowledge on common investing termsREGULATION A
Regulation A. Under the federal securities laws, any offer or sale of a security must either be registered with the SEC or meet an exemption. Regulation A. is an exemption from the registration requirements, allowing companies to offer and sell their securities without having to register the offering with the SEC.HOME | INVESTOR.GOV
Read our investor alert on the significant risks of short-term trading based on social media. Know the Risks of Day Trading. Read this Director’s Take article to understand the risks of engaging in this type of speculative investing. Investing Quiz – May 2021. Test your knowledge on common investing terms and strategies and current LEVERAGED INVESTING STRATEGIES The SEC’s Office of Investor Education and Advocacy is issuing this Investor Bulletin to help educate investors about the risks of using leveraged investment strategies. FUNDS TRADING IN BITCOIN FUTURES Bitcoin. Bitcoin is a digital asset, or an asset that relies on blockchain technology.Bitcoin has also been called a “virtual currency” or a “cryptocurrency.” Bitcoin future. A Bitcoin futures contract is a standardized agreement to buy or sell a specific quantity of Bitcoin at a specified price on a particular date in thefuture.
FORM ADV | INVESTOR.GOV 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 practices SHAREHOLDER LISTS, WHEN YOU CAN GET THEM 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 solicitationsREGULATION A
Regulation A. Under the federal securities laws, any offer or sale of a security must either be registered with the SEC or meet an exemption. Regulation A. is an exemption from the registration requirements, allowing companies to offer and sell their securities without having to register the offering with the SEC.SEC RESEARCH
This survey was designed to inform the SEC’s Office of Investor Education and Advocacy about investors’ opinions regarding various disclosure documents filed by companies, including mutual fund companies. A total of 1,000 telephone interviews were conducted using a national population sample of adults who invest outside of anemployer
ADVANCE FEE FRAUD
Advance fee frauds ask investors to pay a fee up front – in advance of receiving any proceeds, money, stock, or warrants – in order for the deal to go through. The advance payment may be described as a fee, tax, commission, or incidental expense that will be repaid later. Advance fee frauds may involve the sale of products or services, the offering of investments, lottery winnings, found EX-DIVIDEND DATES: WHEN ARE YOU ENTITLED TO STOCK AND CASH 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 determine who is sent proxy statements INFORMATION ABOUT SOME COMPANIES NOT AVAILABLE FROM THE Investors are sometimes surprised to learn the SEC does not have information about all companies that offer and sell securities. When a company conducts a registered offering or an exempt offering under Regulation A or Regulation Crowdfunding, the company is required to file information about the company, including financial statements, and a description of the offering with the SEC. WELCOME TO INVESTOR.GOV/CRS */ /*-->*/ 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. COMPOUND INTEREST CALCULATOR Step 3: Interest Rate. Estimated Interest Rate. Your estimated annual interest rate. Interest rate variance range. Range of interest rates (above and below the rate set above) that you desire to see resultsfor.
REQUIRED MINIMUM DISTRIBUTION CALCULATOR 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 forQUIZ | INVESTOR.GOV
The .gov means it’s official. Federal government websites often end in .gov or .mil. Before sharing sensitive information, make sure you’re on a federal government site.MARKET MAKERS
Market Makers. A "market maker" is a firm that stands ready to buy or sell a stock at publicly quoted prices. Learn More. Test your knowledge on common investing termsREGULATION A
Regulation A. Under the federal securities laws, any offer or sale of a security must either be registered with the SEC or meet an exemption. Regulation A. is an exemption from the registration requirements, allowing companies to offer and sell their securities without having to register the offering with the SEC. WELCOME TO INVESTOR.GOV/CRS */ /*-->*/ 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. COMPOUND INTEREST CALCULATOR Step 3: Interest Rate. Estimated Interest Rate. Your estimated annual interest rate. Interest rate variance range. Range of interest rates (above and below the rate set above) that you desire to see resultsfor.
REQUIRED MINIMUM DISTRIBUTION CALCULATOR 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 forQUIZ | INVESTOR.GOV
The .gov means it’s official. Federal government websites often end in .gov or .mil. Before sharing sensitive information, make sure you’re on a federal government site.MARKET MAKERS
Market Makers. A "market maker" is a firm that stands ready to buy or sell a stock at publicly quoted prices. Learn More. Test your knowledge on common investing termsREGULATION A
Regulation A. Under the federal securities laws, any offer or sale of a security must either be registered with the SEC or meet an exemption. Regulation A. is an exemption from the registration requirements, allowing companies to offer and sell their securities without having to register the offering with the SEC.HOME | INVESTOR.GOV
Read our investor alert on the significant risks of short-term trading based on social media. Know the Risks of Day Trading. Read this Director’s Take article to understand the risks of engaging in this type of speculative investing. Investing Quiz – May 2021. Test your knowledge on common investing terms and strategies and current LEVERAGED INVESTING STRATEGIES The SEC’s Office of Investor Education and Advocacy is issuing this Investor Bulletin to help educate investors about the risks of using leveraged investment strategies. FUNDS TRADING IN BITCOIN FUTURES Bitcoin. Bitcoin is a digital asset, or an asset that relies on blockchain technology.Bitcoin has also been called a “virtual currency” or a “cryptocurrency.” Bitcoin future. A Bitcoin futures contract is a standardized agreement to buy or sell a specific quantity of Bitcoin at a specified price on a particular date in thefuture.
FORM ADV | INVESTOR.GOV 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 practices SHAREHOLDER LISTS, WHEN YOU CAN GET THEM 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 solicitationsREGULATION A
Regulation A. Under the federal securities laws, any offer or sale of a security must either be registered with the SEC or meet an exemption. Regulation A. is an exemption from the registration requirements, allowing companies to offer and sell their securities without having to register the offering with the SEC.SEC RESEARCH
This survey was designed to inform the SEC’s Office of Investor Education and Advocacy about investors’ opinions regarding various disclosure documents filed by companies, including mutual fund companies. A total of 1,000 telephone interviews were conducted using a national population sample of adults who invest outside of anemployer
ADVANCE FEE FRAUD
Advance fee frauds ask investors to pay a fee up front – in advance of receiving any proceeds, money, stock, or warrants – in order for the deal to go through. The advance payment may be described as a fee, tax, commission, or incidental expense that will be repaid later. Advance fee frauds may involve the sale of products or services, the offering of investments, lottery winnings, found EX-DIVIDEND DATES: WHEN ARE YOU ENTITLED TO STOCK AND CASH 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 determine who is sent proxy statements INFORMATION ABOUT SOME COMPANIES NOT AVAILABLE FROM THE Investors are sometimes surprised to learn the SEC does not have information about all companies that offer and sell securities. When a company conducts a registered offering or an exempt offering under Regulation A or Regulation Crowdfunding, the company is required to file information about the company, including financial statements, and a description of the offering with the SEC.HOME | INVESTOR.GOV
Read our investor alert on the significant risks of short-term trading based on social media. Know the Risks of Day Trading. Read this Director’s Take article to understand the risks of engaging in this type of speculative investing. Investing Quiz – May 2021. Test your knowledge on common investing terms and strategies and current WELCOME TO INVESTOR.GOV/CRS */ /*-->*/ 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. COMPOUND INTEREST CALCULATOR Step 3: Interest Rate. Estimated Interest Rate. Your estimated annual interest rate. Interest rate variance range. Range of interest rates (above and below the rate set above) that you desire to see resultsfor.
REQUIRED MINIMUM DISTRIBUTION CALCULATOR 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 forQUIZ | INVESTOR.GOV
The .gov means it’s official. Federal government websites often end in .gov or .mil. Before sharing sensitive information, make sure you’re on a federal government site.MARKET MAKERS
Market Makers. A "market maker" is a firm that stands ready to buy or sell a stock at publicly quoted prices. Learn More. Test your knowledge on common investing termsREGULATION A
Regulation A. Under the federal securities laws, any offer or sale of a security must either be registered with the SEC or meet an exemption. Regulation A. is an exemption from the registration requirements, allowing companies to offer and sell their securities without having to register the offering with the SEC. PROVING SECURITIES OWNERSHIP Proving securities ownership is easier if you can remember how the security was acquired. Brokerage Firm If you bought the security through a brokerage firm, contact the firm and ask if they have a record of your ownership. Brokerage firms are required to keep records for only six years. Copies of confirmations are only required to be kept for three years.MINI-TENDER OFFERS
"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. LOST OR STOLEN STOCK CERTIFICATES 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 preventHOME | INVESTOR.GOV
Read our investor alert on the significant risks of short-term trading based on social media. Know the Risks of Day Trading. Read this Director’s Take article to understand the risks of engaging in this type of speculative investing. Investing Quiz – May 2021. Test your knowledge on common investing terms and strategies and current WELCOME TO INVESTOR.GOV/CRS */ /*-->*/ 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. COMPOUND INTEREST CALCULATOR Step 3: Interest Rate. Estimated Interest Rate. Your estimated annual interest rate. Interest rate variance range. Range of interest rates (above and below the rate set above) that you desire to see resultsfor.
REQUIRED MINIMUM DISTRIBUTION CALCULATOR 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 forQUIZ | INVESTOR.GOV
The .gov means it’s official. Federal government websites often end in .gov or .mil. Before sharing sensitive information, make sure you’re on a federal government site.MARKET MAKERS
Market Makers. A "market maker" is a firm that stands ready to buy or sell a stock at publicly quoted prices. Learn More. Test your knowledge on common investing termsREGULATION A
Regulation A. Under the federal securities laws, any offer or sale of a security must either be registered with the SEC or meet an exemption. Regulation A. is an exemption from the registration requirements, allowing companies to offer and sell their securities without having to register the offering with the SEC. PROVING SECURITIES OWNERSHIP Proving securities ownership is easier if you can remember how the security was acquired. Brokerage Firm If you bought the security through a brokerage firm, contact the firm and ask if they have a record of your ownership. Brokerage firms are required to keep records for only six years. Copies of confirmations are only required to be kept for three years.MINI-TENDER OFFERS
"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. LOST OR STOLEN STOCK CERTIFICATES 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 preventHOME | INVESTOR.GOV
Read our investor alert on the significant risks of short-term trading based on social media. Know the Risks of Day Trading. Read this Director’s Take article to understand the risks of engaging in this type of speculative investing. Investing Quiz – May 2021. Test your knowledge on common investing terms and strategies and current FUNDS TRADING IN BITCOIN FUTURES Bitcoin. Bitcoin is a digital asset, or an asset that relies on blockchain technology.Bitcoin has also been called a “virtual currency” or a “cryptocurrency.” Bitcoin future. A Bitcoin futures contract is a standardized agreement to buy or sell a specific quantity of Bitcoin at a specified price on a particular date in thefuture.
LEVERAGED INVESTING STRATEGIES The SEC’s Office of Investor Education and Advocacy is issuing this Investor Bulletin to help educate investors about the risks of using leveraged investment strategies.REGULATION A
Regulation A. Under the federal securities laws, any offer or sale of a security must either be registered with the SEC or meet an exemption. Regulation A. is an exemption from the registration requirements, allowing companies to offer and sell their securities without having to register the offering with the SEC.SEC RESEARCH
This survey was designed to inform the SEC’s Office of Investor Education and Advocacy about investors’ opinions regarding various disclosure documents filed by companies, including mutual fund companies. A total of 1,000 telephone interviews were conducted using a national population sample of adults who invest outside of anemployer
SHAREHOLDER LISTS, WHEN YOU CAN GET THEM 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 THINKING OF DAY TRADING? KNOW THE RISKS. Day trading is not for the faint of heart as it involves minute to minute decision-making, as well as leveraged investment strategies that can lead to substantial losses. The goal of this kind of investing is to profit from daily short-term market and stock price changes. The risks involved, however, are substantially higher thanlonger-term
ADVANCE FEE FRAUD
Advance fee frauds ask investors to pay a fee up front – in advance of receiving any proceeds, money, stock, or warrants – in order for the deal to go through. The advance payment may be described as a fee, tax, commission, or incidental expense that will be repaid later. Advance fee frauds may involve the sale of products or services, the offering of investments, lottery winnings, found EX-DIVIDEND DATES: WHEN ARE YOU ENTITLED TO STOCK AND CASH 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 determine who is sent proxy statements INFORMATION ABOUT SOME COMPANIES NOT AVAILABLE FROM THE Investors are sometimes surprised to learn the SEC does not have information about all companies that offer and sell securities. When a company conducts a registered offering or an exempt offering under Regulation A or Regulation Crowdfunding, the company is required to file information about the company, including financial statements, and a description of the offering with the SEC.HOME | INVESTOR.GOV
Read our investor alert on the significant risks of short-term trading based on social media. Know the Risks of Day Trading. Read this Director’s Take article to understand the risks of engaging in this type of speculative investing. Investing Quiz – May 2021. Test your knowledge on common investing terms and strategies and current WELCOME TO INVESTOR.GOV/CRS */ /*-->*/ 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. COMPOUND INTEREST CALCULATOR Step 3: Interest Rate. Estimated Interest Rate. Your estimated annual interest rate. Interest rate variance range. Range of interest rates (above and below the rate set above) that you desire to see resultsfor.
REQUIRED MINIMUM DISTRIBUTION CALCULATOR 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 forQUIZ | INVESTOR.GOV
The .gov means it’s official. Federal government websites often end in .gov or .mil. Before sharing sensitive information, make sure you’re on a federal government site.MARKET MAKERS
Market Makers. A "market maker" is a firm that stands ready to buy or sell a stock at publicly quoted prices. Learn More. Thinking About Investing In The Latest Hot Stock? Read our investor alert on the significant risks of short-term trading based on social media.ICO – HOWEYCOINS
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.REGULATION A
Regulation A. Under the federal securities laws, any offer or sale of a security must either be registered with the SEC or meet an exemption. Regulation A. is an exemption from the registration requirements, allowing companies to offer and sell their securities without having to register the offering with the SEC. LOST OR STOLEN STOCK CERTIFICATES 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 BEWARE OF SPOOFED WEBSITES OFFERING PHONY CERTIFICATES OF The SEC’s Office of Investor Education and Advocacy (OIEA) is issuing this Investor Alert to warn investors about phony Certificates of Deposit (CDs) promoted through internet advertising and “spoofed” websites – websites that mimic the actual sites of legitimate financial institutions. Investors should be extremely cautious when purchasing CDs from sites found only through internetHOME | INVESTOR.GOV
Read our investor alert on the significant risks of short-term trading based on social media. Know the Risks of Day Trading. Read this Director’s Take article to understand the risks of engaging in this type of speculative investing. Investing Quiz – May 2021. Test your knowledge on common investing terms and strategies and current WELCOME TO INVESTOR.GOV/CRS */ /*-->*/ 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. COMPOUND INTEREST CALCULATOR Step 3: Interest Rate. Estimated Interest Rate. Your estimated annual interest rate. Interest rate variance range. Range of interest rates (above and below the rate set above) that you desire to see resultsfor.
REQUIRED MINIMUM DISTRIBUTION CALCULATOR 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 forQUIZ | INVESTOR.GOV
The .gov means it’s official. Federal government websites often end in .gov or .mil. Before sharing sensitive information, make sure you’re on a federal government site.MARKET MAKERS
Market Makers. A "market maker" is a firm that stands ready to buy or sell a stock at publicly quoted prices. Learn More. Thinking About Investing In The Latest Hot Stock? Read our investor alert on the significant risks of short-term trading based on social media.ICO – HOWEYCOINS
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.REGULATION A
Regulation A. Under the federal securities laws, any offer or sale of a security must either be registered with the SEC or meet an exemption. Regulation A. is an exemption from the registration requirements, allowing companies to offer and sell their securities without having to register the offering with the SEC. LOST OR STOLEN STOCK CERTIFICATES 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 BEWARE OF SPOOFED WEBSITES OFFERING PHONY CERTIFICATES OF The SEC’s Office of Investor Education and Advocacy (OIEA) is issuing this Investor Alert to warn investors about phony Certificates of Deposit (CDs) promoted through internet advertising and “spoofed” websites – websites that mimic the actual sites of legitimate financial institutions. Investors should be extremely cautious when purchasing CDs from sites found only through internetGETTING STARTED
The TSP is the federal government’s version of a 401 (k) plan and one of your best options for retirement savings. Contributions can be automatically deducted from your pay and provide tax advantages either today (traditional TSP account) or in the future (Roth TSP account). Sign up for TSP using MyPay. . Under the Blended Retirement System SHAREHOLDER LISTS, WHEN YOU CAN GET THEM 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 solicitationsSEC RESEARCH
This survey was designed to inform the SEC’s Office of Investor Education and Advocacy about investors’ opinions regarding various disclosure documents filed by companies, including mutual fund companies. A total of 1,000 telephone interviews were conducted using a national population sample of adults who invest outside of anemployer
INVESTOR ALERTS AND BULLETINS The SEC’s Office of Investor Education and Advocacy, the Commodity Futures Trading Commission, FINRA (the Financial Industry Regulatory Authority), and NASAA (the North American Securities Administrators Association) are issuing this Investor Bulletin to highlight the key messages of World Investor Week, a week-long, global campaign promoted by International Organization ofREGULATION A
Regulation A. Under the federal securities laws, any offer or sale of a security must either be registered with the SEC or meet an exemption. Regulation A. is an exemption from the registration requirements, allowing companies to offer and sell their securities without having to register the offering with the SEC. INVESTOR ALERTS AND BULLETINS Individual investors in the United States have access to a wide selection of investment opportunities. These opportunities include international investments and domestic investments that give investors international exposure, such as U.S.-registered mutual funds that invest in foreign assets and the other examples described below.ADVANCE FEE FRAUD
Advance fee frauds ask investors to pay a fee up front – in advance of receiving any proceeds, money, stock, or warrants – in order for the deal to go through. The advance payment may be described as a fee, tax, commission, or incidental expense that will be repaid later. Advance fee frauds may involve the sale of products or services, the offering of investments, lottery winnings, found ANNUITIES | INVESTOR.GOV 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 ofpayments over time.
LOST OR STOLEN STOCK CERTIFICATES 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 PROVING SECURITIES OWNERSHIP Proving securities ownership is easier if you can remember how the security was acquired. Brokerage Firm If you bought the security through a brokerage firm, contact the firm and ask if they have a record of your ownership. Brokerage firms are required to keep records for only six years. Copies of confirmations are only required to be kept for three years.HOME | INVESTOR.GOV
Read our investor alert on the significant risks of short-term trading based on social media. Know the Risks of Day Trading. Read this Director’s Take article to understand the risks of engaging in this type of speculative investing. Investing Quiz – May 2021. Test your knowledge on common investing terms and strategies and current WELCOME TO INVESTOR.GOV/CRS */ /*-->*/ 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. COMPOUND INTEREST CALCULATOR Step 3: Interest Rate. Estimated Interest Rate. Your estimated annual interest rate. Interest rate variance range. Range of interest rates (above and below the rate set above) that you desire to see resultsfor.
REQUIRED MINIMUM DISTRIBUTION CALCULATOR 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 forQUIZ | INVESTOR.GOV
The .gov means it’s official. Federal government websites often end in .gov or .mil. Before sharing sensitive information, make sure you’re on a federal government site.MARKET MAKERS
Market Makers. A "market maker" is a firm that stands ready to buy or sell a stock at publicly quoted prices. Learn More. Thinking About Investing In The Latest Hot Stock? Read our investor alert on the significant risks of short-term trading based on social media.ICO – HOWEYCOINS
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.REGULATION A
Regulation A. Under the federal securities laws, any offer or sale of a security must either be registered with the SEC or meet an exemption. Regulation A. is an exemption from the registration requirements, allowing companies to offer and sell their securities without having to register the offering with the SEC. LOST OR STOLEN STOCK CERTIFICATES 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 BEWARE OF SPOOFED WEBSITES OFFERING PHONY CERTIFICATES OF The SEC’s Office of Investor Education and Advocacy (OIEA) is issuing this Investor Alert to warn investors about phony Certificates of Deposit (CDs) promoted through internet advertising and “spoofed” websites – websites that mimic the actual sites of legitimate financial institutions. Investors should be extremely cautious when purchasing CDs from sites found only through internetHOME | INVESTOR.GOV
Read our investor alert on the significant risks of short-term trading based on social media. Know the Risks of Day Trading. Read this Director’s Take article to understand the risks of engaging in this type of speculative investing. Investing Quiz – May 2021. Test your knowledge on common investing terms and strategies and current WELCOME TO INVESTOR.GOV/CRS */ /*-->*/ 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. COMPOUND INTEREST CALCULATOR Step 3: Interest Rate. Estimated Interest Rate. Your estimated annual interest rate. Interest rate variance range. Range of interest rates (above and below the rate set above) that you desire to see resultsfor.
REQUIRED MINIMUM DISTRIBUTION CALCULATOR 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 forQUIZ | INVESTOR.GOV
The .gov means it’s official. Federal government websites often end in .gov or .mil. Before sharing sensitive information, make sure you’re on a federal government site.MARKET MAKERS
Market Makers. A "market maker" is a firm that stands ready to buy or sell a stock at publicly quoted prices. Learn More. Thinking About Investing In The Latest Hot Stock? Read our investor alert on the significant risks of short-term trading based on social media.ICO – HOWEYCOINS
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.REGULATION A
Regulation A. Under the federal securities laws, any offer or sale of a security must either be registered with the SEC or meet an exemption. Regulation A. is an exemption from the registration requirements, allowing companies to offer and sell their securities without having to register the offering with the SEC. LOST OR STOLEN STOCK CERTIFICATES 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 BEWARE OF SPOOFED WEBSITES OFFERING PHONY CERTIFICATES OF The SEC’s Office of Investor Education and Advocacy (OIEA) is issuing this Investor Alert to warn investors about phony Certificates of Deposit (CDs) promoted through internet advertising and “spoofed” websites – websites that mimic the actual sites of legitimate financial institutions. Investors should be extremely cautious when purchasing CDs from sites found only through internetGETTING STARTED
The TSP is the federal government’s version of a 401 (k) plan and one of your best options for retirement savings. Contributions can be automatically deducted from your pay and provide tax advantages either today (traditional TSP account) or in the future (Roth TSP account). Sign up for TSP using MyPay. . Under the Blended Retirement System SHAREHOLDER LISTS, WHEN YOU CAN GET THEM 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 solicitationsSEC RESEARCH
This survey was designed to inform the SEC’s Office of Investor Education and Advocacy about investors’ opinions regarding various disclosure documents filed by companies, including mutual fund companies. A total of 1,000 telephone interviews were conducted using a national population sample of adults who invest outside of anemployer
INVESTOR ALERTS AND BULLETINS The SEC’s Office of Investor Education and Advocacy, the Commodity Futures Trading Commission, FINRA (the Financial Industry Regulatory Authority), and NASAA (the North American Securities Administrators Association) are issuing this Investor Bulletin to highlight the key messages of World Investor Week, a week-long, global campaign promoted by International Organization ofREGULATION A
Regulation A. Under the federal securities laws, any offer or sale of a security must either be registered with the SEC or meet an exemption. Regulation A. is an exemption from the registration requirements, allowing companies to offer and sell their securities without having to register the offering with the SEC. INVESTOR ALERTS AND BULLETINS Individual investors in the United States have access to a wide selection of investment opportunities. These opportunities include international investments and domestic investments that give investors international exposure, such as U.S.-registered mutual funds that invest in foreign assets and the other examples described below.ADVANCE FEE FRAUD
Advance fee frauds ask investors to pay a fee up front – in advance of receiving any proceeds, money, stock, or warrants – in order for the deal to go through. The advance payment may be described as a fee, tax, commission, or incidental expense that will be repaid later. Advance fee frauds may involve the sale of products or services, the offering of investments, lottery winnings, found ANNUITIES | INVESTOR.GOV 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 ofpayments over time.
LOST OR STOLEN STOCK CERTIFICATES 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 PROVING SECURITIES OWNERSHIP Proving securities ownership is easier if you can remember how the security was acquired. Brokerage Firm If you bought the security through a brokerage firm, contact the firm and ask if they have a record of your ownership. Brokerage firms are required to keep records for only six years. Copies of confirmations are only required to be kept for three years. HOME | INVESTOR.GOVINTRODUCTION TO INVESTINGFINANCIAL TOOLS & CALCULATORSPROTECT YOUR INVESTMENTS Read our investor alert on the significant risks of short-term trading based on social media. Know the Risks of Day Trading. Read this Director’s Take article to understand the risks of engaging in this type of speculative investing. Investing Quiz – May 2021. Test your knowledge on common investing terms and strategies and current WELCOME TO INVESTOR.GOV/CRS */ /*-->*/ 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. COMPOUND INTEREST CALCULATOR Step 3: Interest Rate. Estimated Interest Rate. Your estimated annual interest rate. Interest rate variance range. Range of interest rates (above and below the rate set above) that you desire to see resultsfor.
REQUIRED MINIMUM DISTRIBUTION CALCULATOR 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 forICO – HOWEYCOINS
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. ANNUITIES | INVESTOR.GOV 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 ofpayments over time.
GOING PRIVATE
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. PROVING SECURITIES OWNERSHIP Proving securities ownership is easier if you can remember how the security was acquired. Brokerage Firm If you bought the security through a brokerage firm, contact the firm and ask if they have a record of your ownership. Brokerage firms are required to keep records for only six years. Copies of confirmations are only required to be kept for three years. EX-DIVIDEND DATES: WHEN ARE YOU ENTITLED TO STOCK AND CASH 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 determine who is sent proxy statements BEWARE OF SPOOFED WEBSITES OFFERING PHONY CERTIFICATES OF The SEC’s Office of Investor Education and Advocacy (OIEA) is issuing this Investor Alert to warn investors about phony Certificates of Deposit (CDs) promoted through internet advertising and “spoofed” websites – websites that mimic the actual sites of legitimate financial institutions. Investors should be extremely cautious when purchasing CDs from sites found only through internet HOME | INVESTOR.GOVINTRODUCTION TO INVESTINGFINANCIAL TOOLS & CALCULATORSPROTECT YOUR INVESTMENTS Read our investor alert on the significant risks of short-term trading based on social media. Know the Risks of Day Trading. Read this Director’s Take article to understand the risks of engaging in this type of speculative investing. Investing Quiz – May 2021. Test your knowledge on common investing terms and strategies and current WELCOME TO INVESTOR.GOV/CRS */ /*-->*/ 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. COMPOUND INTEREST CALCULATOR Step 3: Interest Rate. Estimated Interest Rate. Your estimated annual interest rate. Interest rate variance range. Range of interest rates (above and below the rate set above) that you desire to see resultsfor.
REQUIRED MINIMUM DISTRIBUTION CALCULATOR 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 forICO – HOWEYCOINS
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. ANNUITIES | INVESTOR.GOV 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 ofpayments over time.
GOING PRIVATE
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. PROVING SECURITIES OWNERSHIP Proving securities ownership is easier if you can remember how the security was acquired. Brokerage Firm If you bought the security through a brokerage firm, contact the firm and ask if they have a record of your ownership. Brokerage firms are required to keep records for only six years. Copies of confirmations are only required to be kept for three years. EX-DIVIDEND DATES: WHEN ARE YOU ENTITLED TO STOCK AND CASH 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 determine who is sent proxy statements BEWARE OF SPOOFED WEBSITES OFFERING PHONY CERTIFICATES OF The SEC’s Office of Investor Education and Advocacy (OIEA) is issuing this Investor Alert to warn investors about phony Certificates of Deposit (CDs) promoted through internet advertising and “spoofed” websites – websites that mimic the actual sites of legitimate financial institutions. Investors should be extremely cautious when purchasing CDs from sites found only through internetHOME | INVESTOR.GOV
Read our investor alert on the significant risks of short-term trading based on social media. Know the Risks of Day Trading. Read this Director’s Take article to understand the risks of engaging in this type of speculative investing. Investing Quiz – May 2021. Test your knowledge on common investing terms and strategies and current PROTECT YOUR INVESTMENTS If you may have been harmed by fraud or other securities law violations, visit Resources for Victims of Securities Law Violations. Call the SEC’s Office of Investor Education and Advocacy at 1-800-732-0330, ask a question using this online form, or email us at Help@SEC.gov. (link sends email) INVESTING ON YOUR OWN 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. INVESTOR ALERTS AND BULLETINS The SEC’s Office of Investor Education and Advocacy, the Commodity Futures Trading Commission, FINRA (the Financial Industry Regulatory Authority), and NASAA (the North American Securities Administrators Association) are issuing this Investor Bulletin to highlight the key messages of World Investor Week, a week-long, global campaign promoted by International Organization of INVESTOR ALERTS AND BULLETINS Individual investors in the United States have access to a wide selection of investment opportunities. These opportunities include international investments and domestic investments that give investors international exposure, such as U.S.-registered mutual funds that invest in foreign assets and the other examples described below.SEC RESEARCH
This survey was designed to inform the SEC’s Office of Investor Education and Advocacy about investors’ opinions regarding various disclosure documents filed by companies, including mutual fund companies. A total of 1,000 telephone interviews were conducted using a national population sample of adults who invest outside of anemployer
INDEX FUNDS
An “index fund” is a type of mutual fund or exchange-traded fund that seeks to track the returns of a market index. The S&P 500 Index, the Russell 2000 Index, and the Wilshire 5000 Total Market Index are just a few examples of market indexes that index funds may seek totrack.
QUIZ | INVESTOR.GOV
The .gov means it’s official. Federal government websites often end in .gov or .mil. Before sharing sensitive information, make sure you’re on a federal government site.GOING PRIVATE
A publicly held company generally means a company that has a class of securities that is registered with the SEC because those securities are widely held or traded on a national securities exchange. When a public company is eligible to deregister a class of its equity securities, either because those securities are no longer widely held or because they are delisted from an exchange, this is RULE 506 OF REGULATION D 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 satisfying certain HOME | INVESTOR.GOVINTRODUCTION TO INVESTINGFINANCIAL TOOLS & CALCULATORSPROTECT YOUR INVESTMENTS Read our investor alert on the significant risks of short-term trading based on social media. Know the Risks of Day Trading. Read this Director’s Take article to understand the risks of engaging in this type of speculative investing. Investing Quiz – May 2021. Test your knowledge on common investing terms and strategies and current WELCOME TO INVESTOR.GOV/CRS */ /*-->*/ 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. COMPOUND INTEREST CALCULATOR Step 3: Interest Rate. Estimated Interest Rate. Your estimated annual interest rate. Interest rate variance range. Range of interest rates (above and below the rate set above) that you desire to see resultsfor.
REQUIRED MINIMUM DISTRIBUTION CALCULATOR 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 forICO – HOWEYCOINS
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. ANNUITIES | INVESTOR.GOV 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 ofpayments over time.
GOING PRIVATE
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. PROVING SECURITIES OWNERSHIP Proving securities ownership is easier if you can remember how the security was acquired. Brokerage Firm If you bought the security through a brokerage firm, contact the firm and ask if they have a record of your ownership. Brokerage firms are required to keep records for only six years. Copies of confirmations are only required to be kept for three years. EX-DIVIDEND DATES: WHEN ARE YOU ENTITLED TO STOCK AND CASH 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 determine who is sent proxy statements BEWARE OF SPOOFED WEBSITES OFFERING PHONY CERTIFICATES OF The SEC’s Office of Investor Education and Advocacy (OIEA) is issuing this Investor Alert to warn investors about phony Certificates of Deposit (CDs) promoted through internet advertising and “spoofed” websites – websites that mimic the actual sites of legitimate financial institutions. Investors should be extremely cautious when purchasing CDs from sites found only through internet HOME | INVESTOR.GOVINTRODUCTION TO INVESTINGFINANCIAL TOOLS & CALCULATORSPROTECT YOUR INVESTMENTS Read our investor alert on the significant risks of short-term trading based on social media. Know the Risks of Day Trading. Read this Director’s Take article to understand the risks of engaging in this type of speculative investing. Investing Quiz – May 2021. Test your knowledge on common investing terms and strategies and current WELCOME TO INVESTOR.GOV/CRS */ /*-->*/ 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. COMPOUND INTEREST CALCULATOR Step 3: Interest Rate. Estimated Interest Rate. Your estimated annual interest rate. Interest rate variance range. Range of interest rates (above and below the rate set above) that you desire to see resultsfor.
REQUIRED MINIMUM DISTRIBUTION CALCULATOR 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 forICO – HOWEYCOINS
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. ANNUITIES | INVESTOR.GOV 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 ofpayments over time.
GOING PRIVATE
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. PROVING SECURITIES OWNERSHIP Proving securities ownership is easier if you can remember how the security was acquired. Brokerage Firm If you bought the security through a brokerage firm, contact the firm and ask if they have a record of your ownership. Brokerage firms are required to keep records for only six years. Copies of confirmations are only required to be kept for three years. EX-DIVIDEND DATES: WHEN ARE YOU ENTITLED TO STOCK AND CASH 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 determine who is sent proxy statements BEWARE OF SPOOFED WEBSITES OFFERING PHONY CERTIFICATES OF The SEC’s Office of Investor Education and Advocacy (OIEA) is issuing this Investor Alert to warn investors about phony Certificates of Deposit (CDs) promoted through internet advertising and “spoofed” websites – websites that mimic the actual sites of legitimate financial institutions. Investors should be extremely cautious when purchasing CDs from sites found only through internetHOME | INVESTOR.GOV
The .gov means it’s official. Federal government websites often end in .gov or .mil. Before sharing sensitive information, make sure you’re on a federal government site. INVESTING ON YOUR OWN 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. INVESTOR ALERTS AND BULLETINS The SEC’s Office of Investor Education and Advocacy, the Commodity Futures Trading Commission, FINRA (the Financial Industry Regulatory Authority), and NASAA (the North American Securities Administrators Association) are issuing this Investor Bulletin to highlight the key messages of World Investor Week, a week-long, global campaign promoted by International Organization of INVESTOR ALERTS AND BULLETINS Individual investors in the United States have access to a wide selection of investment opportunities. These opportunities include international investments and domestic investments that give investors international exposure, such as U.S.-registered mutual funds that invest in foreign assets and the other examples described below. PROTECT YOUR INVESTMENTS The .gov means it’s official. Federal government websites often end in .gov or .mil. Before sharing sensitive information, make sure you’re on a federal government site.SEC RESEARCH
The .gov means it’s official. Federal government websites often end in .gov or .mil. Before sharing sensitive information, make sure you’re on a federal government site.INDEX FUNDS
An “index fund” is a type of mutual fund or exchange-traded fund that seeks to track the returns of a market index. The S&P 500 Index, the Russell 2000 Index, and the Wilshire 5000 Total Market Index are just a few examples of market indexes that index funds may seek totrack.
QUIZ | INVESTOR.GOV
The .gov means it’s official. Federal government websites often end in .gov or .mil. Before sharing sensitive information, make sure you’re on a federal government site.GOING PRIVATE
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Learn about the new Relationship Summary About Investment ProfessionalsInvestment Products
Understanding Fees
Invest For Your Goals Financial Tools and Calculators ICOs and other Digital Assets FEATURED INFORMATIONInvestor.gov/CRS
Our new page helps investors understand how to use the Relationship Summary, a new form from your investment professional. INVESTOR ALERTS AND BULLETINS What You Need to Know About SPACs – Investor BulletinDec 10, 2020
Fractional Share Investing – Buying a Slice Instead of the WholeShare
Nov 9, 2020
Tips for World Investor Week 2020: Investor BulletinOct 5, 2020
More Alerts and BulletinsGET HELP
Submit Questions and Complaints Ask a question or report a problem concerning your investments, your investment account or a financial professional. Director’s Take: Thinking of Day Trading? Know the Risks. Director of Education and Advocacy Lori Schock explains the risks of engaging in this type of speculative investingGUIDANCE
ANSWERS TO COMMON QUESTIONS How do I get started? Is my investment professional registered? What's a mutual fund? What should I know about investment fees? What's compound interest? What’s a 529 plan?Search Glossary
RED FLAGS OF FRAUD
WHAT YOU CAN DO TO AVOID INVESTMENT FRAUD Researchers have found that investment fraudsters hit their targets with an array of persuasion techniques that are tailored to the victim's psychological profile. Protect your investments by watching out for these red flags: * It sounds too good to be true * "Guaranteed returns" (they don't exist) * The "halo" effect, which makes con artists seem likable ortrustworthy
* "Everyone is buying it" pitches * Pressure to send money right now * Small favors (free lunch or workshop)More Fraud Topics
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