NOTICE
Opinions and information presented within are used to illustrate the concepts of the Omega Financial Plan and are not intended to provide specific investment advice nor should they be construed as recommendations for any individual. Investment decisions should be based on an individual’s objectives, goals, time horizon, and tolerance for risk. To determine which investments or investment strategies may be appropriate for you, consult with your qualified financial, tax or legal professional before taking action. Furthermore, any listing of a vendor or product does not constitute an endorsement or warranty of the vendor or product.
This presentation was created in June of 2005. All economic and investment performance information is historical and opinions expressed herein are subject to change with market conditions. Past performance cannot guarantee future results.
Examples used within this presentation are hypothetical and not indicative of any specific investment or investment strategy. Income from investments may fluctuate and the value of an investment may fall against the interest of the investor. Investments seeking to achieve higher rates of return generally involve a higher degree of principal risk. Actual results may vary.
Indices are unmanaged measures of market performance. It is not possible to invest directly into an index.
Throughout this presentation there is mention of investing in foreign markets. Please note that international investing entails special risk considerations, including currency fluctuations, lower liquidity, economic and political risks, and differences in accounting methods. This must all be taken into account before deciding if international investing is right for you.
Due to the additional research that goes into managing them, socially responsible investing (SRI) funds tend to have higher management fees than mutual funds managed without a socially responsible perspective. In addition, socially responsible funds tend to be managed by smaller mutual fund companies and the assets under management are relatively small. Under these circumstances, it is difficult for SRI funds to make use of the economies of scale available to their larger rivals.
Asset allocation is a term used to refer to how an investor distributes his investments among various classes of investment vehicles such as stocks and bonds. There is no asset allocation strategy that can ensure a profit or protect against a loss.
Qualified plan distributions, such as distributions from IRAs may be subject to income tax and 10% penalty if withdrawn before age 59 ½.
Bank CDs are FDIC insured and offer a fixed rate of return, whereas both principal and yield of investment securities do have risk and may fluctuate with changes in market conditions.
An investment in a money market fund is neither insured nor guaranteed by the U.S. Government and there can be no assurance that the fund will be able to maintain a stable net asset value.
T-Bills are guaranteed by the full faith and credit of the U. S. government. They can be purchased for no handling fee directly from the Federal Reserve or for a fee from a broker or bank. They stop earning interest upon maturity.
The return and principal value of mutual fund shares and stocks will fluctuate with changes in market conditions. When redeemed, shares may be worth more or less than their original cost.
Bonds are subject to availability. High-yielding, non-investment grade bonds are considered to have speculative elements and involve higher risk than investment grade bonds. Adverse conditions may affect the issuer’s ability to pay interest and principal on these securities.
REITS may not be appropriate for all investors. Certain REITs may have limited transferability and lack liquidity. The value of an investment in a REIT may fluctuate based on economic, regulatory and environmental factors. The value of the units or shares of the trust will fluctuate with the portfolio of the underlying real estate properties. Redemption may be at a price, which is more or less than the original price paid for the units by the investor.
An investor should carefully consider the investment objectives, risks, charges and expenses of an investment company before investing. The prospectus contains this and other important information. Please contact the investment company to obtain a prospectus and read it carefully before investing.