Personal Finance

When evaluating which investments to add to or subtract from your portfolio, one factor that might influence your decision is whether a particular stock, bond or fund seems like a good value. But there are many ways to define the value of an investment, and these can vary based on the type of investment product you’re considering.

Here are some common methods of measuring value:

At one time, U.S. investors had limited opportunities to invest in companies that were based overseas. But today international investing is common, with investors buying stakes in firms across most of the world, either directly or through mutual funds or exchange-traded funds (ETFs). The chance to invest in formerly inaccessible developing markets offers fresh opportunities as well as risks.

Incidents involving mail theft-related check fraud are on the rise, which could impact individuals expecting to receive funds through a check in the mailbox. Since 2021, the U.S. Postal Inspection Service has reported a nearly 400 percent increase in mail theft-related fraud overall, and the Financial Crimes Enforcement Network (FinCEN) has seen an increase in reporting of these incidents by financial institutions, including banks and brokerage firms. This type of fraud often involves bad actors who steal physical checks from mailboxes or U.S.

If you’re new to investing, you might wonder where to begin. With so many choices available, the process of setting up an investment account and making your first transactions can feel overwhelming. Here are some tips to get you started.

It’s an unfortunate reality that older adults, who have had more time to accumulate wealth, are at an increased risk of being targeted by some fraudsters—and of losing more money per fraud incident. However, the risk might not affect everyone equally. In research by the FINRA Investor Education Foundation, certain behaviors and characteristics were found to be associated with an increased risk of fraud victimization in older adults.

In physics, momentum refers to the tendency of an object to continue moving in a particular direction due to its mass and velocity. The velocity, or direction, of momentum can change due to an external force and is governed by laws like Newton’s laws of motion. 

Funds that track market indexes have historically offered investors a cost-effective and efficient way to gain exposure to the performance of a market benchmark or index. “Traditional” market indexes such as the S&P 500 or Dow Jones Industrial Average provide investors with exposure to a broad basket of securities and, as a result, generally offer less risk as compared to investing in individual securities. Increasingly, opportunities are also available to invest in alternative investments and strategies through funds that track “non-traditional” indexes.

FINRA has identified an increase in unregistered entities claiming to provide automated or “auto-trading” services to retail investors through websites or mobile phone apps. Many of these unregistered entities misleadingly claim that their auto-trading services are beginner-friendly and/or risk-free, provide consistent monthly returns of more than 10 percent, and/or benefit from using advanced technologies like artificial intelligence (AI) to make trading decisions. 

A common way to measure the performance of the stock market is by looking at market indexes, also referred to as benchmarks. The Dow Jones Industrial Average and the S&P 500 Index are two of the most widely recognized market benchmarks and, if you’re looking to replicate their performance, investing in mutual funds and exchange-traded funds (ETFs) that mimic these indexes might suit your needs.

In a reversal of a 12-year period of sustained improvements in many of the key areas of financial capability, the sixth wave of the FINRA Investor Education Foundation’s National Financial Capability Study (NFCS) reveals an overall pattern of decline in the ability of U.S. adults to make ends meet and save for emergencies. While income remained steady, the impact of increased costs has put more households under financial strain than in years past.