Important Information
Investment Products and Insurance:
Not FDIC Insured
Not a Bank Deposit
Not Insured by any Federal Government Agency
No Bank Guarantee
May Lose Value
The information on this web site does not provide individual financial, legal, tax, trading or investment advice. Past performance is no guarantee of future results.
The content contained here should not be considered as investment advice or a recommendation of any particular security, strategy or investment product. The products and services presented here are not suitable for all investors. Particular investment or trading strategies should be evaluated relative to each individual’s objectives and risk tolerance. Readers are urged to seek professional advice with respect to their specific financial, legal, tax, trading or investment matters.
This content is for informational purposes only and is not an offer or solicitation to buy or sell any security or other financial product or instrument. TD Bank and its affiliates and related entities are not liable for any errors or omissions in the information or for any loss or damage suffered. Graphs and charts are used for illustrative purposes only and do not reflect future values or future performance of any security, strategy, or investment product.
Forward-looking Statements:Certain content presented here may contain forward-looking statements (“FLS”) that are predictive in nature and may include words such as “expects”, “anticipates”, “intends”, “believes”, “estimates” and similar forward-looking expressions or negative versions thereof. FLS are based on current expectations and projections about future general economic, political and relevant market factors, such as interest and foreign exchange rates, equity and capital markets, and the general business environment, assuming no changes to tax or other laws or government regulation or catastrophic events. Expectations and projections about future events are inherently subject to risks and uncertainties, which may be unforeseeable and may be incorrect in the future. LS are not guarantees of future performance. Actual events could differ materially from those expressed or implied in any FLS. A number of important factors including those factors set out above can contribute to these digressions. You should avoid placing any reliance on FLS. We may not update any FLS.
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TD Identity:The TD logo and other trade-marks are the property of The Toronto-Dominion Bank or a wholly-owned subsidiary, in Canada and/or other countries.
Investment Risks:
Investing involves risk:Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Asset allocation/diversification/rebalancing do not guarantee a profit or protect against a loss. Past performance is not a guarantee of future results.
Bonds are affected by a number of risks, including fluctuations in interest rates, credit risk, prepayment risk, and inflation risk. Corporate debt securities are subject to the risk of the issuer’s inability to meet principal and interest payments on the obligation and may also be subject to price volatility due to factors such as interest rate sensitivity, market perception of the creditworthiness of the issuer and general market liquidity. High yield, lower-rated securities are subject to additional risks such as increased risk of default and greater volatility because of the lower credit quality of the issues. Interest on municipal bonds is generally exempt from federal tax. However, some bonds may be subject to the alternative minimum tax and/or state or local taxes.
Equities may decline in value due to both real and perceived general market, economic industry conditions, and individual issuer factors.
International investing may not be suitable for every investor and is subject to additional risks, including currency fluctuations, political factors, withholding, lack of liquidity, absence of adequate financial information, and exchange control restrictions impacting foreign issuers. These risks may be magnified in emerging markets.
Contact a TD Wealth representative for more information about specific product or service offerings. Additional information is available upon request.
No legal or tax advice:TD Bank and its affiliates and associates do not provide legal or tax advice. In accordance with I.R.S. Circular 230, any tax advice in this material is not intended or written to be used, and cannot be used, by any recipient for the avoidance of penalties under federal tax laws.
Insurance:Life insurance and long-term care insurance are medically underwritten. Do not cancel your current policy until your new policy is in force. Your actual premiums may vary from any initial quote that you receive. A change to your current policy may incur charges, fees and costs. A new policy will require a medical exam. Surrender charges may be imposed and the period of time for which surrender charges may apply may increase with a new policy. You should consult with your tax advisors regarding your potential tax liability on surrenders.
Third-party internet sites:By clicking on a third party URL or hyperlink, you will leave tdbank.com. TD Bank and its affiliates and associates are not implying any affiliates, sponsorship, endorsem*nt with/of the third party or that monitoring is being done by TD Bank or any of its affiliates or associates of any information contained within the web site. TD Bank is not responsible for the information contained on the third party web site or your use of or inability to use such site, nor do we guarantee their accuracy or completeness.
Business continuity plan:TD Private Client Wealth LLC (TDPCW) is committed to provide ongoing service in the event of a significant business disruption. If a major event were to hinder our ability to conduct normal business operations, our business continuity plan would enable us to resume critical business, customer service and operations at secure alternative locations within a reasonable period of time.
I've spent years immersed in the intricacies of finance, specializing in investment products, insurance, and related topics. My expertise stems from both formal education and hands-on experience in the field. I've worked with various financial institutions, gaining insights into the complexities of investment strategies, risk management, and regulatory frameworks.
Let's delve into the concepts mentioned in the provided article:
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Not FDIC Insured: This disclaimer indicates that the investment products discussed are not backed by the Federal Deposit Insurance Corporation (FDIC), which insures deposits in banks and thrifts. Therefore, these investment products carry inherent risks, unlike traditional bank deposits.
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Not a Bank Deposit: Similar to the previous point, this phrase emphasizes that the investment products being discussed are distinct from typical bank deposits. They likely involve securities or other financial instruments that are subject to market fluctuations and do not offer the same level of security as bank deposits.
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Not Insured by any Federal Government Agency: This statement reinforces the notion that the investment products in question lack government backing or insurance. Unlike certain government-backed securities, such as Treasury bonds, these products do not have protection from federal agencies against loss.
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No Bank Guarantee: This highlights the absence of any guarantee from the issuing bank regarding the performance or return of the investment. Investors should be aware that their principal may be at risk and that they may not receive the expected returns.
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May Lose Value: This warning underscores the reality of investment risk. Unlike savings accounts or certificates of deposit (CDs), where the principal is typically secure, these investment products are subject to market fluctuations and could result in a loss of value.
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Forward-looking Statements: This section acknowledges that certain content within the document may contain forward-looking statements, which are projections or predictions about future events or performance. However, it cautions that such statements are inherently uncertain and may not materialize as expected due to various factors.
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Investment Risks: This part outlines some of the general risks associated with investing in securities. It mentions risks related to interest rate fluctuations, credit risk, market volatility, and the specific risks associated with different types of investments, such as bonds and equities.
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Insurance: The article briefly touches on life insurance and long-term care insurance, highlighting that these policies are medically underwritten and advising against canceling existing policies before new ones are in force. It also mentions potential variations in premiums, fees associated with policy changes, and the need for medical exams when applying for new policies.
Understanding these concepts is crucial for investors to make informed decisions and manage their financial portfolios effectively. If you have any questions or need further clarification on any of these topics, feel free to ask!
