IFPS offers a number of investment products through its registered representatives, some of which are described in more detail below. With any investment product, there are a number of factors you should understand before making a purchase. These include:

• The financial goals that you want met through an investment in the product;
• The risks of the particular investment product and how those risks relate to your goals; and
• The relative costs versus benefits associated with the investment product, as investment product costs affect long-term investment performance and, in general, additional benefits have additional costs.

Working with some of the most prominent mutual fund families, IFPS offers over 4,000 different mutual funds. Our registered representatives can access these funds to meet a wide variety of investment objectives and sectors, including emerging growth, international equity, domestic growth and income, government bonds, and real estate, just to name a few.

A mutual fund pools investments from many investors in a single portfolio under professional management. To manage risk, the portfolio manager diversifies the fund’s investments according to the fund’s investment objective. Funds can invest in a variety of investments, including U.S. or international stocks, bonds, money market instruments, other mutual funds – or any combination. Individual investors own shares of the fund, while the fund or investment company owns the underlying investments chosen by the manager.

Risks of Investing in Mutual Funds

All investments carry some risk, and mutual funds are no exception. Depending on the type of fund, the risks may include market risks, interest rate risk, and credit risk. Among other things, the prospectus contains information about the risks associated with the particular fund. Investors who purchase mutual funds must make certain choices, including which funds to purchase and which class share is most advantageous. Each mutual fund has a specified investment strategy. You need to consider whether the mutual fund’s investment strategy is compatible with your investment objectives. You should read the prospectus carefully and discuss your investment goals, objectives, and risk tolerances with your registered representative before investing in any fund.

Choosing the Right Fund for You

Selecting the appropriate program and mutual funds for your investment objectives involves a number of factors, including fund strategy, fund performance history, risks, investment time horizon, fees, and expenses. An investment in mutual funds is long-term in nature and under normal circumstances should not be considered for short-term investment goals due to higher annual expenses. You should review any program’s disclosure document as well as a fund’s share classes, as detailed in the fund’s prospectus, to fully evaluate your options. You should also talk with your registered representative so that together you can make the choices most suitable for you.

A life insurance policy allows you to set aside money now to provide a measure of financial security for a variety of circumstances upon your death, including providing for family members or business partners. It can help meet financial needs previously covered by your income. 

If you decide to buy an insurance policy, your IFPS registered representative can help you to determine how much protection you need and can afford, and what kind of insurance policy to buy. With some life insurance policies, you can build up a cash accumulation value to use as income after you retire. The main purpose of a life insurance policy, however, is to provide survivor benefits for beneficiaries, such as family members or creditors, after your death.

You have a choice of two types of life insurance:

• Term insurance, or a “term policy,” involves coverage purchased for a specific period time. A term policy pays a death benefit only if the policyholder dies within the time period for which the policy is written and premiums are paid.
• Permanent insurance involves coverage effective for the entire life of the policyholder. A permanent policy pays a death benefit when the policyholder dies, regardless of his or her age. Other kinds of life insurance are simply variations of term and permanent policies.