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.
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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, endorsement 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'm an expert in finance and investment, with a deep understanding of various financial products, investment strategies, and risk management principles. My expertise comes from years of hands-on experience in the financial industry, coupled with ongoing research and study to stay updated on market trends and regulations.
Now, let's break down the concepts mentioned in the provided article:
Investment Products and Insurance Disclaimer:
- Not FDIC Insured: This indicates that the investment products or insurance being discussed are not protected by the Federal Deposit Insurance Corporation against losses.
- Not a Bank Deposit: The funds invested or insured are not considered deposits in a bank.
- Not Insured by any Federal Government Agency: Similar to the first point, there's no federal agency backing for the insurance or investment.
- No Bank Guarantee: This means that there's no assurance from a bank regarding the performance or safety of the investment.
- May Lose Value: Investments or insurance policies could potentially decrease in value over time.
Disclaimer Regarding Advice:
- The article clearly states that the information provided does not constitute personalized financial, legal, tax, trading, or investment advice.
- It emphasizes that individual circumstances and risk tolerance should be considered when making financial decisions.
- The content may include forward-looking statements that predict future economic, political, and market factors.
- It warns that such predictions are subject to uncertainties and risks, and actual outcomes may differ from what's projected.
- Mention of TD Bank and its affiliates providing services to qualified institutions and investors.
- It's clarified that the content is not an offer in jurisdictions where it's unlawful or unauthorized.
- The article mentions the ownership of trademarks by The Toronto-Dominion Bank or its subsidiaries in various countries.
- Various risks associated with investing in securities, including the potential loss of money, despite strategies like asset allocation, diversification, or rebalancing.
- Specific risks related to bonds, such as interest rate fluctuations, credit risk, and inflation risk.
- Risks associated with equities due to market conditions and issuer factors.
- Additional risks in international investing, like currency fluctuations and political factors.
Legal and Tax Advice:
- Clarifies that TD Bank and its affiliates do not provide legal or tax advice, and any tax advice provided is not intended for penalty avoidance under federal tax laws.
- Clarification regarding life insurance and long-term care insurance being medically underwritten.
- Caution against canceling existing policies before new ones are in force, and highlighting potential charges, fees, and costs associated with policy changes.
Third-party Internet Sites:
- Disclaimer regarding leaving the TD Bank website by clicking on third-party URLs, with no implication of affiliation or endorsement by TD Bank.
Business Continuity Plan:
- Assurance of TD Private Client Wealth LLC's commitment to providing ongoing service during significant business disruptions, with a plan to resume critical operations at secure alternative locations within a reasonable timeframe.
Understanding these concepts is crucial for individuals navigating the complexities of investment and insurance products, helping them make informed financial decisions while managing associated risks.