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It's never too late to invest!
Video Transcript: It's never too late to invest!
Video Duration: 1 minute 36 seconds
Transcript Date: June 20, 2019
Where to Start Investing Elapsed Time 0 Seconds [00:00]
You might be interested in investing your money, but don't know where to begin.
Well, it's easier than you might think, and you don't have to be an expert to get started.
Choosing Your Account Type Elapsed Time 8 Seconds
The first step is choosing the account type for your investments. The easiest way to start is to think about your goal. What are you investing for?
Is it for retirement or education expenses?
There are investment accounts designed for those long-term goals that come with potential tax benefits, but they may have limitations on how much money you can put in and when you can take money out without taxes or penalties.
What if you're aiming for a new house or that dream vacation?
You can use a regular investment account to invest toward those goals.
These accounts have no limitations on when or how the money is used. But, they don't have the same tax advantages that come with the retirement and education accounts we mentioned earlier.
Purchasing Your Investments Elapsed Time 48 Seconds
Once you've determined which type of account may be right for you, the next step is purchasing your investments.
There are plenty of investment types available. Some examples include stocks, bonds, mutual funds and exchange-traded funds or E-T-Fs.
Some factors to consider when choosing your investments include your goals, comfort level with risk, and your time frame.
Before You Invest Elapsed Time 69 Seconds
Investing comes with risk of loss on the amount you invested, so take some time to learn more about the different ways to invest and the risk involved.
Before you begin investing, you should also make sure you have an emergency fund, are able to pay your bills each month, and have manageable debt.
Once you're ready to start investing, explore your options on this page.
End Elapsed Time 96 Seconds
Looking to protect your income in retirement?
As you approach retirement, consider an annuity from USAA Life Insurance Company and USAA Life Insurance Company of New York in order to guarantee your stable monthly income.See note5See note,See notea
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Important information from Victory Capital:
Carefully consider the investment objectives, risks, charges and expenses of the USAA 529 Education Savings Plan (Plan) before investing. Visit vcm.com/prospectus for a Plan Description and Participation Agreement containing this and other information about the Plan from Victory Capital Services, Inc., Underwriter and Distributor. Read it carefully before investing.
Important information from Schwab:
Investors should consider carefully information contained in the prospectus, or if available, the summary prospectus, including investment objectives, risks, charges and expenses. You can request a prospectus by calling 800-435-4000. Please read the prospectus carefully before investing.
You could lose money by investing in the Schwab Money Funds. All Schwab Money Funds seek to preserve the value of your investment at $1.00 per share, but cannot guarantee they will do so. All Schwab Money Funds with the exception of Schwab Government Money Fund, Schwab Retirement Government Money Fund, Schwab U.S. Treasury Money Fund, Schwab Treasury Obligations Money Fund, and Schwab Government Money Market Portfolio may impose a fee upon the sale of your shares if the Fund's board or its delegate determines that the fee is in the best interests of the Fund. An investment in the Schwab Money Funds is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The Schwab Money Funds' sponsor has no legal obligation to provide financial support to the Funds, and you should not expect that the sponsor will provide financial support to the Funds at any time.
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