united against investment fraud because every investor deserves protection insert agency logo here

United Against United Against Investment FraudInvestment Fraud

Because Every Investor Deserves Because Every Investor Deserves ProtectionProtection

INSERT AGENCY LOGO HERE

Did you know…Did you know…

Protecting Protecting Your Your RetirementRetirement

investment investment is is youryourresponsibility?responsibility?

United Against Investment Fraud: Because Every Investor Deserves Protection

Facts about U.S. Investors…Facts about U.S. Investors…

Only one out of 100 American investors knows or puts into practice eight basic “investing secrets” and slightly more than a third—37%—get half or more of the fundamentals right

—Investing Secrets Survey—

Money Track and Investor Protection Trust

conducted by Opinion Research Corporation (ORC) in 2007.


(Excerpts courtesy 2007 IPT and Money Track Survey)United Against Investment Fraud: Because Every Investor Deserves Protection


Only 1% of American investors appear to understand and/or put to use all 8 of the investing basics in the Investing Secrets Survey.

The balance of investors fall into the following groups:– 59% (one-four correct answers);– 36% (five–seven correct answers); and– 4% of investors answered none of the secrets correctly.

47% of investors admit that they have never worked up a comprehensive financial plan with a financial professional.

Over 61% of investors in households with income of $50,000 or less have no comprehensive financial plan in place.

African American (59%) and Hispanic (57%) investors are among those most likely to have not developed such a plan.


About two out of five investors (39%) understand diversification is "balancing both risk and return in pursuit of financial returns.”

Only a third of investors who use or have used a financial planner or stockbroker checked out the background of that person (or persons) with state, federal or industry regulators or self-regulators.

Almost two out of five investors (37%) are relying on Social Security for “the biggest part” or “a fairly big part” of their retirement picture.

Only 23% of college graduates are expecting to rely heavily on Social Security versus 51% of those with only a high school degree.

(Excerpts courtesy 2007 IPT and Money Track Survey)


Are you Are you prepared?prepared?

NASAA Members NASAA Members (INSERT local (INSERT local

securities securities regulator)regulator)

can help you!can help you!


5 tips to prepare…5 tips to prepare…

1.1. Develop a planDevelop a plan

2.2. Do your research Do your research

3.3. Do business with only registered Do business with only registered investment professionalsinvestment professionals

4.4. Diversify your investmentDiversify your investment

5.5. Do regular follow up & be cautiousDo regular follow up & be cautious

on how you react to financial news. on how you react to financial news.


1. Develop a plan1. Develop a plan

Start to develop a plan that helps you Start to develop a plan that helps you reach your financial goals. reach your financial goals.

Start to develop regular saving habits.Start to develop regular saving habits. Start to set a retirement goal.Start to set a retirement goal.

““I intend to save ______ dollars starting I intend to save ______ dollars starting _________ and increase this amount by _________ and increase this amount by 10% annually so I can retire at ______ 10% annually so I can retire at ______ years old with ______ monthly income.”years old with ______ monthly income.”

Remember: Remember: Keep your plan simple to manage and Keep your plan simple to manage and measure.measure.


2. Do your research2. Do your research

Check with your local state Check with your local state securities regulatorsecurities regulator

Go to: Go to: www.nasaa.org Contact your regulatorContact your regulator

NASAA offers free Investor NASAA offers free Investor Education materials Education materials

INSERT HERE:INSERT HERE:Most state securities regulators offer free Investor Education materials and fraud prevention Most state securities regulators offer free Investor Education materials and fraud prevention

information.information. Remember: Remember:

Investigate Investigate BeforeBefore You Invest. You Invest.


3. Do business with 3. Do business with registered investment registered investment professionalsprofessionalsCall to check if your Securities Broker or Call to check if your Securities Broker or

InvestmentInvestmentAdviser is registered to conduct business in your Adviser is registered to conduct business in your

state. state. (INSERT state securities regulator contact)(INSERT state securities regulator contact) Go to:Go to: www.nasaa.org

When you call, have the name of the firm, the When you call, have the name of the firm, the individual’s first name, last name and middle individual’s first name, last name and middle initial (if available).initial (if available).

Remember: Remember: “No license, no business.”“No license, no business.”


4. Diversify your 4. Diversify your investmentsinvestmentsNo investment performs well all the timeNo investment performs well all the time;; when one is when one is down,down, another tends to be another tends to be

up.up.

Here’s an example of a realistic range Here’s an example of a realistic range for investments:for investments:

StocksStocks 50%-80%50%-80% BondsBonds 20%-40%20%-40% CashCash 10%-25%10%-25%

Remember: Remember: “You shouldn’t put all your eggs in one basket.”“You shouldn’t put all your eggs in one basket.”

Source: Five Keys to Investing Success by the Editors of Kiplinger’s Personal Finance Magazine


5. Do regular follow 5. Do regular follow upup Be sure to Be sure to ask questionsask questions so so

you understand the investment you understand the investment processprocess and the and the costcost..

Be sure to Be sure to checkcheck your your

investmentinvestment statements statements for for unauthorized withdrawals or unauthorized withdrawals or transactions.transactions.


5. Be Cautious on how 5. Be Cautious on how You React to Financial You React to Financial NewsNews Successful investing is a Successful investing is a long term and long term and

continual processcontinual process that requires research and that requires research and cautious calculated moves to meet changing cautious calculated moves to meet changing objectives.objectives.

Many investors have severely Many investors have severely damaged their damaged their

investment portfoliosinvestment portfolios by by reacting to the reacting to the financial news:financial news:

– Buying at the highestBuying at the highest prices when the market is at prices when the market is at its peak without doing proper research; andits peak without doing proper research; and

– Selling on the lowSelling on the low, out of fear, when the news , out of fear, when the news indicates severe economic downturns and indicates severe economic downturns and

problems.problems.


PROTECT YOUR PROTECT YOUR RETIREMENT & CALL US:RETIREMENT & CALL US:

Securities Branches Call Compliance– check your broker (INSERT

#) Enforcement– check for complaints Education– get more information

“Protecting (INSERT STATE OR PROVINCE) Investors”


““IT’S YOUR MONEY….. AND IT’S YOUR MONEY….. AND IT IS YOUR RIGHT TO IT IS YOUR RIGHT TO

PROTECT IT”PROTECT IT”


For More Information For More Information contact:contact:

The North American Securities The North American Securities Administrators Association (NASAA)Administrators Association (NASAA)• (202) 737-0900(202) 737-0900• www.nasaa.org

““Contact your local Securities Contact your local Securities Regulator”Regulator”

To Report Investment Fraud INSERT CONTACT FOR LOCAL SECURITIES AGENCY


united against investment fraud because every investor deserves protection insert agency logo here

Documents

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american investors

retirement investment

balance of investors

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protection facts

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