All you need to know about our financial investment support and how to go about it.
The first step is to determine what you want to achieve with your investing, whether it’s in the short-term or long-term.
Stocks are probably the most well-known option, but picking and choosing individual companies to invest in is not how most people get involved in the market.
Short answer: NO! For most investors, it’s probably a bad idea. Studies show that choosing stocks is almost always a losing proposition—even for the pros.
Risk tolerance comes down to how much risk you are willing and able to stomach, and it’s important to know because it can impact how you shape your portfolio.
The answers to other most common questions are described below.
In a nutshell, diversification means you don’t have all your eggs in one investing basket, which may help protect you if any part of your portfolio falters.
This will depend entirely on your investing goals, income level, employment status and tax situation. But consider opening a retirement account as your first order of business.
Retirement accounts are generally either tax-free or pre-tax. Traditional IRAs and 401(k)s are pre-tax because they provide a tax break in the year that you make the contribution by reducing your taxable income.
The reason is simple: Many of people have paltry nest eggs—36% of people have less than $1,000 stashed away for retirement. We’ll all retire someday, but most of us are under-saved for it.
If you’re investing for something other than retirement, your goal will generally dictate the path you take. For instance, if you want to save for your children’s education, you’ll probably want to open a 529 to reap the potential tax benefits.
It all depends—on you. Maybe you get joy from watching the numbers go up or perhaps the ups and downs seriously stress you out. The frequency is less important than having a set schedule.
These are some of the pertinent most common questions we get asked. For anything else, please - Contact Us.
Life insurance is a risk management tool intended to replace your income or cover a liability in case of death. If you need to replace your lifetime of income, you should do a calculation of how much you would need to sustain that income over the lifetime (or need time) of your heirs.
As for type, if you have a lifetime need then a permanent policy is the safest bet, but keep in mind it is the most expensive. If you need to cover a 10-30 year need, then level term insurance makes more sense.
The answer depends (like so many topics in personal finance), on your utilization. The answer entails more questions: How many miles do you drive per year? How often do you get a new car?
If you hold onto a car for 7-10 years, buying is the way to go. If you rack up a lot of miles, leasing can be a financial disaster.
If you own property, are married, or have a dependent, then the answer is yes. A Will is a legal document that sets forth your wishes and desires in writing. The following Will-related issues are very important: Who will manage your affairs and dispose of your estate appropriately? Who will be guardian of minor children? Who will watch over their money?
Most importantly, without a Will, the laws of intestacy in your state determine all the answers to these very important questions. Who feels comfortable with the state making the decision? Not many people!
The answer is as individual as snowflakes. The amount of money you will need to retire depends on many factors, such as how long you expect to live, what it costs you to live, and what factors can impact your financial longevity.
It’s a simple question with a very difficult and complex answer—the number of variables is huge. The best answer is: It depends. However, don’t interpret this answer as an excuse to put planning your future to the side.
In fact, it actually makes planning and the ongoing monitoring of your progress that much more important—and the uncovering of previously unknown information that much more vital.
You can place a trade online, by calling a Client Resource Representative at our dedicate Toll-free number. Green Capital Securities does not accept e-mail trade orders.
You will be notified of trade executions by traditional trade confirmations mailed to the address listed on your account. You can also view your executed transactions on our trading sub-Website by going to the “Execution” under “Trading” or “History” and “Web Confirmations” under “Account Info”.
All stock trades have a three-day settlement period unless otherwise specified. We must receive your payment by the third business day for stock trades. Option transactions are settled the business day after the transaction. You must have sufficient funds in your account prior to entering an option trade.
If your account is missing paperwork (i.e. online service agreement) you may be restricted from entering trades online until receipt of the appropriate documents.
Whenever a stock is purchased and sold in a cash account without paying for it (credit from the sale does not apply), the account will be restricted for 90 days under Regulation T. A restricted account will not be allowed to delay payment beyond trade date. This means funds must be in the account before entering all trades for no less than 90 days. Selling stock to pay for a purchase on the same day is not considered sufficient payment in a restricted account.
The restriction will expire after 90 days from the date of the sell transaction. If you’d like to place an order in a restricted account please speak with us at our Toll-free line. Restricted trades are not subject to online commission rates.
There are occasions when market activity increases to a point where quotations and trade processing systems cannot keep pace with rapidly changing prices. The prices of some stocks can soar and drop suddenly, causing investors to suffer unexpected losses very quickly. In fast markets, many investors trading at the same time can cause automated execution systems to become overcrowded and delays to develop at some trading destinations (i.e. NYSE, NASDAQ Market Makers). Executions and confirms slow down, while quote displays may not reflect actual current market prices. System access and system response will vary due to market conditions and other factors.
Trading under these conditions involves risks that you need to be aware of:
When a buyer places a limit order they are specifying the maximum amount they are willing to pay for a stock. The order will not be executed unless the order can be filled at the limit price or lower. A limit order prevents your trade from being executed at a price higher than your limit price, but there is also a possibility that you’ll miss the market and your trade will not be executed.
When a buyer places a buy stop order they are placing an order to buy if, and when the market rises to a specified price. If the buy stop price is reached, the order will trigger, at which point it becomes a market order and is filled at the next available price. A buy stop price must be set above the market.
A buy stop limit is a stop order, which becomes a limit order when the stop price is reached. Once the stop price is reached the order is triggered and becomes a limit order. Once stopped, the order will not be executed unless the order can be filled at the limit price or lower. Both the buy stop price and the buy limit price must be set above the market.
When a seller places a limit order they are specifying the minimum amount they are willing to receive for their stock. The order will not be executed unless the order can be filled at the limit price or higher.
When a seller places a stop order they are placing an order to sell if and when the market drops to a specified price. If the sell stop price is reached, the order will trigger, at which point it becomes a market order and is filled at the next available price. A sell stop price must be set below the market.
A sell stop limit is a stop order, which becomes a limit order when the stop price is reached. Once the stop price is reached the order is triggered and becomes a limit order. Once stopped, the order will not be executed unless the order can be filled at the limit price or higher. Both the sell stop price and the sell limit price must be set below the market.
No. To place corporate and municipal bond trades, please call us at our Toll-free line. A $50 commission per transaction will be charged on Treasury Bills, notes and bond orders. Green Capital Securities may act as principal.
Yes. Green Capital Securities clients can trade these products with our firm.
Yes. If you deal in illiquid stocks, additioinal charges may be assessed. If you deal in foreign stocks, additional charges will apply.
Mutual fund orders are not accepted after 3:45 p.m. Eastern time. Any orders that are entered between 3:45 p.m. and 4:00 p.m. are disapproved. Orders entered after 4:00 p.m. are accepted for the next business day.
* Vanguard funds are only accepted up to 2:45 p.m. Eastern time.
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