Investment Strategies

All the products you need to help reach your goals

Your dedicated financial services program offers investment options that can help you reach your financial goals. Whether those goals involve saving for a home, funding a college education or planning a comfortable retirement, a financial advisor can help with financial planning, retirement planning, creating a general investment strategy, insurance and wealth management. In addition, our financial advisors can provide guidance on charitable giving, estate planning strategies and tax-advantaged investment planning.

Contact a financial advisor and choose from a full range of offerings.

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IRAs

An Individual Retirement Account (IRA) is a personal savings plan that offers specific tax benefits. An IRA can consist of a variety of financial options, including stocks, mutual funds, bonds, annuities, certificates and other investment products.

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529 Plans

A 529 Savings Plan is a tax-advantaged education savings vehicle. There are no age restrictions, no income phase-out limits and the funds are considered to be gifts, so anyone, even non-relatives can contribute.

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Mutual Funds

A mutual fund is a pool of money provided by individual investors, companies and organizations. The fund’s manager buys securities to pursue a stated investment strategy. By investing in the fund, you’ll own a piece of the total portfolio.

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Annuities

An annuity is a tax-deferred insurance contract designed for retirement purposes. It’s one way to provide steady income and help fill the gap between pensions, Social Security and personal savings.

Life’s easier when you’re prepared for the future. Schedule a no-cost, no-obligation initial consultation.

Investments Calculators

  • Should I pay off debt or invest in savings?
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  • How much will it cost to raise a child?
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  • How long will it take to save for a college education?
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  • Am I saving enough for retirement?
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  • How much can I contribute to my retirement plan?
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Investments FAQs

  • What financial planning services does RBFCU Investments Group offer?
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    RBFCU Investments Group offers a wide variety of investment planning services, including:

    • Retirement planning
    • Comprehensive financial guidance
    • Estate planning strategies
    • Insurance
    • Wealth management
    • Charitable giving strategies
    • Education funding
    • Long-term care insurance
    • Tax-advantaged investment planning
    • Wealth preservation
  • Can an RBFCU Investments Group financial advisor help me with creating a household budget?
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    While RBFCU Investments Group doesn’t offer personal household budgeting, RBFCU has partnered with GreenPath, a non-profit company that equips people with knowledge and tools to lead financially healthy lives.

  • Are there any fees for my consultation with RBFCU Investments Group?
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    Your initial consultation meeting with an RBFCU Investments Group financial advisor is at no cost, no obligation. Should you later decide to move forward with a financial advisor’s investment recommendation, any cost and/or fees would be disclosed at that time. RBFCU Investments Group offers services to both RBFCU members and non-members.

  • What's the difference between an IRA offered by RBFCU Investments Group and an IRA offered by RBFCU?
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    RBFCU Investments Group financial advisors offer IRAs through Ameriprise Financial. Your financial advisor can help you choose investment solutions from a variety of managed accounts, mutual funds, annuities and stocks.

    RBFCU offers IRAs. A credit union employee in the IRA department can help you choose if you should deposit your money in an IRA savings account or an IRA certificate of deposit. The IRAs offered by RBFCU are insured separately up to $250,000 from other deposit accounts by the National Credit Union Administration (NCUA). IRAs offered by RBFCU Investments Group are not insured by the NCUA.

  • Are my investments insured by the National Credit Union Administration (NCUA)?
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    No, investments are not insured by NCUA. Depending on the type of investments within a personal portfolio, they may be insured by other agencies.

Investment products are not federally or NCUA-insured, are not deposits or obligations of, or guaranteed by any financial institution, and involve investment risks including possible loss of principal and fluctuation in value.

Ameriprise Financial is not affiliated with the financial institution.

RBFCU Investments Group is a financial advisory practice of Ameriprise Financial Services, LLC.

The initial consultation provides an overview of financial planning concepts. You will not receive written analysis and/or recommendations.

Annuities are long-term insurance products. Before you purchase, be sure to ask your financial advisor about the annuity’s features, benefits, and fees, and whether the annuity is appropriate for you, based on your financial situation and objectives.

Clients should carefully consider the investment objectives, risks, charges, and expenses associated with a 529 Plan before investing. More information regarding a particular 529 Plan is available in the issuer’s official statement, which may be obtained from an Ameriprise Financial advisor. Investors should read the 529 Plan’s official statement carefully before investing. Clients should also consider, before investing, whether the investor’s or designated beneficiary’s home state offers any state tax or other state benefits such as financial aid, scholarship funds or protection from creditors that are only available for investments in such state’s qualified tuition program.

Ameriprise Financial, Inc. and its affiliates do not offer tax or legal advice. Consumers should consult with their tax advisor or attorney regarding their specific situation.

Ameriprise Financial is not affiliated with GreenPath.

Investment advisory products and services are made available through Ameriprise Financial Services, LLC, a registered investment adviser.

Securities offered by Ameriprise Financial Services, LLC. Member FINRA and SIPC.

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