Families & Individuals –

Families & Individuals are all unique with varying financial needs. Whether it is the creation on a joint account for you and your spouse, or the setting up of a Rollover IRA for a 401k from a previous employer, we are here to handle those needs seamlessly.

Mutual Funds – Mutual funds are actually companies formed for the purpose of making money for their investors. This is their sole purpose for existence. One advantage to investing in mutual funds is the pooling of resources with a vast amount of other people, thus allowing the purchasing power needed for proper diversification. Mutual Funds are often the best avenue for middle class America, because most do not have the resources nor the time to spend in order to ensure proper diversity and allocations.

Mutual funds are offered in many categories and regions of the world. All funds basically break down into three major categories: Money Market Funds, Bond Funds, Equity (Stock) Funds

Each fund has specific objectives and regions in which they must maintain holdings. An Asian Growth Value Fund would generally be limited to businesses that have a presence or effect upon the economy within the Asian region. The managers of the fund would be purchasing equities of companies who they believe are trading under what their market value.  Of course, this is simply an example and is not a recommendation of any particular fund or a recommendation to invest or not invest in the Asian region.

We also have access to all of the No-Load Mutual Fund Families through our fee based accounts offered through Jeffrey C. Welch & Associates, Inc. www.jcwelchinvestmentadvisors.com

ETF’s – Exchange Traded Funds have become very popular over the last few years. They are funds specifically created to mirror an index. There are certainly some advantages to owning ETF’s. There are no earning reports to worry about. They allow smaller investors to purchase diversification in their portfolio without having to pay a sales charge, but the investor also is responsible for watching their portfolio more closely than if it were in a mutual fund. ETF’s are available in almost any sector of the economy and almost any region of the world. They are traded like an equity in that they can be traded at any moment throughout the trading day; whereas mutual funds are closed at the end of the day and all transactions are made at the closing price for the day.

Stocks– Stocks are known in the industry as “Equities.” By purchasing a stock you are purchasing a part of the company. You become a proportional owner of that particular corporation. Of course, the Board of Directors, CEO and staff are who run the corporation for the benefit of the shareholders. We also often help clients use these stocks to create revenue by selling covered calls (options) against these positions, thus creating immediate cash flow from a new stock position.

Options – These are usually known as calls or puts. These are used to create immediate cash flow from a new stock position or as a hedge of protection against a major decline on a large stock position.

Bonds – Bonds are a realistic investment for those nearing or in retirement. They also help to add stability to most portfolios. Bonds are usually purchased at a discount and rise to maturity while creating revenue. They can be purchased from each level of the government as well as from corporations. Bonds are also available internationally. Bonds have many tax advantages. Talk to your tax advisor to see which would be best for your situation. One caution with bonds is the inflationary risk. In order to insure purchasing power is not lost, one must make sure to purchase bonds that will at least keep up with inflation. One way this can be accomplished is through Treasury Inflation Protected Securities, (TIPS). http://www.investopedia.com/terms/t/tips.asp