Shares are bought and sold at market price, which may be higher or lower than the net asset value (NAV). Unlike mutual funds, shares of ETFs are not individually redeemable directly with the ETF. Investment returns will fluctuate and are subject to market volatility, so that an investor’s shares, when redeemed or sold, may be worth more or less than their original cost. Each individual investor should consider these risks carefully before investing in a particular security or strategy. Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income, small-capitalization securities, and commodities. Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors. Some ETFs may involve international risk, currency risk, commodity risk, leverage risk, credit risk, and interest rate risk. Read carefully before investing.ĮTFs are subject to risk similar to those of their underlying securities, including, but not limited to, market, investment, sector, or industry risks, and those regarding short-selling and margin account maintenance. A prospectus, obtained by calling 80, contains this and other important information about an investment company.

Account Types & Investment Products Overviewīefore investing in any mutual fund or ETF, carefully consider the fund's objectives, risks, charges and expense.

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Investment Management Services Overview.

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