What are the benefits of working with a financial advisor from Nottingham Investment Services?
When you work with a financial advisor from Nottingham Investment Services, you have access to a wealth of financial resources. Our financial advisors work closely with you to identify your investment needs and goals, then tailor a plan to fit your unique profile. Our advisors are based in Community Bank, N.A branches across upstate New York, Vermont, and northeast Pennsylvania, making us readily accessible our clients.
Who should I contact if I need more information on my account or the products/services you offer?
Please contact either the financial consultant located in your local Community Bank, N.A. branch or call the Investments Service Center at 1-800-234-5228.
How do I go about opening an investment account?
To open an investment account, please contact your local Community Bank, N.A. branch and ask to set an appointment with a financial consultant.
How do taxes affect my rate of return?
While it might seem logical that an investment that yields a higher rate is better, this is not always the case. Your tax bracket can affect your rate of return. Nottingham Investment Services is not a tax advisor. Consult your tax advisor before making any tax-related investment decisions.
What does diversification mean?
A Diversification is a portfolio strategy designed to reduce exposure to risk by combining a variety of investments, such as stock, bonds and mutual funds. A well-balanced portfolio helps give investors some protection against various market peaks and valleys.
What are the benefits and risks? How should I plan my investments?
Investing is about taking calculated risks in return for potential financial gain, such as a secure retirement, sending children to college or just early financial independence.
Investments, like stocks, bonds and mutual funds, have typically (past performance is no guarantee of future results) delivered higher returns over time than interest paid on traditional savings accounts. But the risks of investing compared to a savings account are greater: There is no guarantee of higher returns and there’s the possibility of losing the principal.
What is the difference between saving money and investing it?
Saving money involves putting money in an interest-bearing account, such as a savings account, checking account or certificate of deposit administered by a bank and insured by the Federal Deposit Insurance Corp. (FDIC), up to a certain maximum amount allowed by law.
How much do I need to open an investment account?
The minimum amount you need to open an investment account varies according to the type of investment option that’s right for you.
