Mutual Fund - Stock - Bond - Annuity - Unit Investment Trust
Western offers a wide variety of investment products and services. Our Financial Consultants can assist you with analyzing your financial goals, time horizon, and risk tolerance to determine which investment products are right for you. Since we offer no proprietary products, you can count on us to provide unbiased advice.
For more information on the investment products available through Western please email a Financial Consultant, call 310-536-5042 or 877-254-9328, option 6, or click on the links below:
Mutual Fund
A Mutual Fund is a pooling of investors' (shareholders') assets, which is professionally managed by an investment company for the benefit of the fund's shareholders. Mutual funds typically invest in stocks, bonds, and money market instruments. They offer shareholders the advantage of diversification and professional management for a relatively modest investment. Each fund has specific investment objectives and associated risk.
For more information, please email a Financial Consultant or call 310-536-5042 or 877-254-9328, option 6.
Stock
A Stock is an instrument that signifies an ownership position, or equity, in a corporation. Stockholders (shareholders) have a claim on a proportionate share in the corporation's assets, profits, and liabilities, and are often entitled to dividends and voting rights.
Western offers low-cost, "no frills" online investing through Ameritrade.
For online investing or full-service brokerage information, please email a Financial Consultant or call 310-536-5042 or 877-254-9328, option 6.
Bond
A Bond is a security that represents a loan to the government or corporation (the issuer). The issuer is obligated to pay the bondholder a specified sum of money, usually at specific intervals, and repay the principal amount of the loan at maturity. Bondholders have an IOU from the issuer but no corporate ownership privileges, as stockholders do.
For more information, please email a Financial Consultant or call 310-536-5042 or 877-254-9328, option 6.
Annuity
An Annuity is a retirement contract issued by an insurance company that provides for periodic payments for a lifetime, or a defined period of time, or both. With some annuities your earnings have an opportunity to grow tax-deferred until you begin taking withdrawals. This means money that would have been paid in taxes each year remains invested to potentially earn you more. Periodic payments can begin immediately (immediate annuity) or deferred to a later date (deferred annuity), and may be either fixed or variable.
For more information, please email a Financial Consultant or call 310-536-5042 or 877-254-9328, option 6.
Unit Investment Trust
Unit Investment Trust (UIT) is an investment company that purchases a fixed portfolio of securities such as corporate, municipal or government bonds, mortgage-backed securities, common stock, or preferred stock. The trust expires when bonds mature or, in the case of equity funds, at a specified future date. Unit holders receive an undivided interest in both the principal and the income portion of the portfolio in proportion to the amount they invest.
For more information, please email a Financial Consultant or call 310-536-5042 or 877-254-9328, option 6.
| Securities and annuities transactions are offered through XCU Capital Corporation, Inc., member NASD, SIPC. Insurance is offered through Focus Insurance Agency, Inc., a wholly owned subsidiary of XCU Corporation, Inc., license number in California is #0727864. | |
| Investment and insurance products are not credit union deposits, are not insured by the NCUA or any federal government agency, are not obligations of or guaranteed by Western, or XCU Capital Corporation, Inc., or Focus Insurance Agency, Inc., and subject to investment risks, including possible loss of principal amount invested. |
