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Mutual Funds & Annuities

Mutual Fund

A collection of stocks, bonds or other securities purchased and managed by an investment company with funds from a group of investors.  Mutual funds are sold only by prospectus.  Please consider the investment objectives, risks, charges and expenses carefully before investing.  The prospectus, which contains this and other information about the investment company, can be obtained from your financial professional.  Be sure to read the prospectus carefully before deciding whether to invest.

Balanced Mutual Fund

A mutual fund whose objective is a balance of stocks and bonds.  Balanced funds tend to be less volatile than stock-only funds.

Municipal Bond Fund

A mutual fund that specializes in investing in municipal bonds.  Bond funds are subject to the same inflation, interest rate and credit risks associated with their underlying bonds.  As interest rates rise, bond prices typically fall, which can adversely affect a bond fund's performance.

What is an Annuity?

An insurance-based contract that provides future payments at regular intervals in exchange for current premiums.  Annuity contracts are usually purchased from banks, credit unions, brokerage firms or insurance companies.  Any guarantees are contingent on the claims paying ability of the issuing company.

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Securities and advisory services offered by Cadaret Grant & Co., Inc.  |  Member FINRA/SIPC 9092 Main Street, Clarence, NY 14031 716-631-0190  |  Licensed in New York, California, Florida, Texas & Tennessee. | Floss Agency and Cadaret Grant are separate entities.