Mutual Funds ^top

Mutual funds can be a smart, easy and cost-effective way to invest. They allow you to pool your money with other investors who have similar financial goals. Mutual funds can offer important advantages:

  • Diversification. When you buy mutual funds, your dollars are spread across a wide range of securities, helping reduce the risk of investing in a single security.
  • Professional Management. Rather than having to research thoroughly every investment before you decide to buy or sell, mutual funds use professional managers to make the decisions regarding what companies' securities should be bought and sold.
  • Affordability. Most mutual funds have low investment minimums, offering investment opportunities for most investors.

If you want to learn more about the potential benefits of mutual funds investing, call ESL Investment Services, LLC, at 585.339.4475 or 800.814.5884. Or stop by an ESL branch near you and schedule an appointment with a Financial Consultant.

Investors should consider the investment objectives, risks and charges and expenses of the investment company carefully before investing. The prospectus contains this and other information about the investment company. You can obtain a prospectus from your financial representative. Read the prospectus carefully before investing.

Investment value will fluctuate, and shares, when redeemed, may be worth more or less than original cost.

Guarantees are based on the claims paying ability of the issuer. Withdrawals prior to 59 ½ are subject to a 10% IRS penalty. Surrender charges apply.

No information provided on this site is intended to constitute an offer to sell or a solicitation of an offer to buy shares of any security, nor shall any security be offered or sold to any person, in any jurisdiction in which such offer, solicitation, purchase, or sale would be unlawful under securities laws of such jurisdiction. Securities are offered through LPL Financial.

Fixed annuities and insurance are offered through ESL Investment Services, LLC, a subsidiary of ESL Federal Credit Union. ESL Investment Services, LLC and ESL Federal Credit Union are not insurance companies or insurance underwriters. ESL Investment Services, LLC, member FINRA/SIPC, provides referrals to LPL Financial and its affiliates, member FINRA/SIPC. ESL Investment Services, LLC and ESL Federal Credit Union are not affiliated with LPL Financial or its affiliates.

There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not ensure against market risk.