Updated Investor Alert
Municipal Bonds—Important Considerations for Individual Investors
Municipal securities—including municipal or "muni" bonds—are securities issued by states, cities, counties and other governmental entities to raise money to build roads, schools and other projects. We are re-issuing this Alert to remind investors that while munis have historically been considered relatively conservative investments, they do, like all bond investments, carry risk.
View all FINRA Investor Alerts.
No Rainy-Day Savings Can Lead to Mortgage Problems
The FINRA Investor Education Foundation released a study that looks at the relationship between rainy-day funds and mortgage payments during the Great Recession. The study suggests that having a rainy-day fund can make the difference between staying in your house or facing foreclosure when faced with a large and unexpected drop in your income.
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Retire on Your Terms
Developing trends have made planning for and funding retirement more difficult. Still, you may be able to retire on your own terms if you develop and manage a comprehensive retirement plan. Go to www.retireonyourterms.org for tools and resources to help you plan and save for retirement.
FINRA Investor Education Foundation
Can You Ace the Quiz?
April is Financial Capability Month, and FINRA Foundation research shows that only 14 percent of Americans could pass our financial literacy quiz. This is a great time to test your knowledge—and review the basics of money management. Share this info with your friends and family. And if you know any teenagers, show them our Teens & Money section on SaveAndInvest.org.
Protecting yourself from investment fraud can be as simple as checking if the seller and the investment are registered with FINRA or the SEC. Not doing these things can result in irreversible financial damage—as Robert Kalinowski's father learned. Listen to Kalinowski's story.