Whether you are saving for a new house, a car, or another life event, it takes discipline to manage your money effectively and reach your goal. Global Advises expertise in helping clients extends far beyond investing in stocks, bonds, and mutual funds. Our simple savings strategies are designed to help you achieve your goal.
Superior savings rates for clients saving for life events or major purchases
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A CD is an interest-bearing certificate commonly offered by banks, savings and loans, and credit unions to raise money for their business activities. You deposit money with the issuer for a set time, and the issuer promises to repay you at a specified interest rate. We provide guidance for selecting the best CDs, and help you build a CD ladder or portfolio that will ensure you have the money you need when you need it.
Investment strategies that worked over the last 15 or 20 years may not necessarily work today if you are seeking income. History shows that everyone needs to plan for uncertain markets and tap into new opportunities. At Global Advisers, we leverage our best thinking to help today’s income investors take advantage of the broadening investment landscape, while addressing their tolerance for risk and need for current and future income.
Bonds are simply loans you make to a government, government agency, or corporation to finance projects and other needs. The bond issuer agrees to repay you at a fixed interest rate by a specified date, or maturity. Bonds can be confusing. We take the mystery out by guiding you on issues concerning credit quality, maturity, pricing, and other issues that affect your portfolio.
IRA margin accounts allow trading so the account can be fully invested as well as the ability to trade multiple currencies and multiple currency products, but are subject to the following limitations:
- No cash borrowing (i.e. cannot have a debit balance or short stocks).
- IRA accounts may be opened in any base currency, but when trading in a non-base currency product, a currency trade must be executed first as you cannot borrow currencies.
- Withdrawals are permitted only in USD.*
- No stock or option cross-margining.
- No currency borrowing.
- Futures trading in an IRA margin account is subject to substantially higher margin requirements than in a non-IRA margin account. Margin rates in an IRA margin account may meet or exceed three times the overnight futures margin requirement imposed in a non-IRA margin account.
Customers are advised to consult with their adviser and tax specialist for further details on IRA rules and regulations.
Residents of Canada may not open Individual Retirement Accounts.