GECU INVESTMENT SERVICES

Mutual Funds

GECU Investment Services1 offers access to mutual funds to help you with long-term growth potential, accessibility, portfolio diversification, liquidity and more! 

Check the background of investment professionals associated with this site on FINRA’s BrokerCheck .

Mutual funds

COMPARE MUTUAL FUNDS

Find the Right Mutual Fund to Invest In!

Stock Mutual Funds

Members looking for the benefits of the stock market with the potential for more diversification.

 

  • Stock market mutual funds invest in a portfolio of individual stocks and look to increase the value of your investment through appreciation
  • Offers diversity with the ability to invest in low- and high-risk investments to include different business sectors, geography, and market capitalization
  • Your profits are taxable unless they’re in certain tax-qualified retirement accounts or education accounts2
  • Investing in mutual funds involves risk, including possible loss of principal. Fund value will fluctuate with market conditions and it may not achieve its investment objective.

Bond Mutual Funds

Members looking to invest in corporate or government bonds.

 

  • Choose bond mutual funds that typically offer a steady return, high yield bonds with more volatility, or bonds that consider your tax status
  • A bond mutual fund will explain key factors, including objective, types of investments it makes, paying dividends and capital gains, and more
  • A bond fund will also disclose its tax status and tax-free income

Exchange Traded Funds (ETFs)

Members looking to trade mutual funds that may offer lower fees than a typical mutual fund.

 

  • Fund managers “passively manage” ETFs since they are typically tracked as an index, such as Dow Jones Industrial Average or S&P 500
  • Trade orders may be executed during the day
  • ETFs do not have a “load fee"
  • You may have more control over the timing of capital gains and when taxes are incurred
  • ETFs trade like stocks, are subject to investment risk, fluctuate in market value, and may trade at prices above or below the ETF's net asset value (NAV). Upon redemption, the value of fund shares may be worth more or less than their original cost. ETFs carry additional risks such as not being diversified, possible trading halts and index tracking errors.

Money Market Mutual Fund

Members looking for an easy and familiar way to invest. 

 

  • May provide you with a steady stream of interest income while keeping your money available to you
  • Pays dividends or a rate of return
  • Dividends that you receive are taxed as ordinary income unless you’re invested in a tax-exempt fund
  • Although the fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the fund.
     
We’re Here to Answer Your Mutual Fund Questions
  • What should I consider before investing in a mutual fund?
    Before investing in a mutual fund, consider its investment objectives, risks, fees, and expenses which are included in the prospectus available from the fund. Carefully read the prospectus and schedule an appointment with our team of financial professionals or call 915.774.1765. We can help with your mutual fund investment strategy and answer any questions. Mutual funds are offered by prospectus only.
  • What is a “load fee"? 
    Loads are sales commissions that investors pay when buying (a front-end load) or when selling (a back-end or deferred load) a mutual fund. To learn more, schedule a no-cost, no-obligation appointment today or call 915.774.1765.
  • What is a diversified portfolio?
    A diversified portfolio is a variety of investments.
  • What is a passively managed account? 
    A passively managed account includes Exchange Traded Funds (ETFs) since they are typically tracked as an index, such as Dow Jones Industrial Average or S&P 500, and very little security trading is done by the fund manager.

1Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. GECU and GECU Investment Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using GECU Investment Services, and may also be employees of GECU. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, GECU or GECU Investment Services. Securities and insurance offered through LPL or its affiliates are:


Not insured by NCUA or any other government agency Not credit union guaranteed Not credit union deposits or obligations May lose value

The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

Your Credit Union (“GECU”) provides referrals to financial professionals of LPL Financial LLC (“LPL") pursuant to an agreement that allows LPL to pay GECU for these referrals. This creates an incentive for GECU to make these referrals, resulting in a conflict of interest. GECU is not a current client of LPL for advisory services.

Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.


LPL Financial Form CRS.


2Representatives are neither tax advisors nor attorneys. For information regarding your specific tax situation please consult a tax professional. For legal questions, including a discussion about estate planning, please consult your attorney.

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