Bank of Colorado

Investing in You 101

Tips from Financial Advisors to help blaze your path to Financial Independence.

The markets can often seem overwhelming. Putting hard-earned money aside now in hopes that it will one day grow can be scary. There’s no reason to be frightened; investing can be an effective way to ensure your financial independence. And no matter where you are in your life, the best time to start investing is always now.

When it comes to retirement, the first step is to talk to your advisor about where are, how much you’re currently making and how much savings you have. Then establish your saving and income goals — how much you will need to maintain your desired standard of living after you’re done working. Once you know where you are and where you want to go, your financial advisor can help you map out the path (or multiple paths) to that destination. (Make a playlist of your personal financial goals here.)

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Of course, when you’re planning for the years and decades ahead, it’s not always just your future you have to consider. What do you want to leave for your loved ones? Financial Coaching from Raymond James advisors can teach you how to become a “financial caregiver” by helping you with estate planning, setting up a family trust, and managing your personal will. You can also invest even further into the future by giving the gift of education to your children, grandchildren, or great-grandchildren. Raymond James advisors can show you a variety of savings options, from IRAs to prepaid plans. (Learn about savings options here.)

Once you know where you are and where you want to go, your financial advisor can help you map out the path

When stock prices are rising, and market sentiment is optimistic. (The opposite of a Bear Market)

Bull Market

Test your investment vocabulary

The number of months, years, or decades you need to reach your financial goal.

TIME HORIZON

Any tradable asset, such as a stock or bond.

SECURITY

In finance, this refers to the amount of uncertainty about the return rate on a particular investment.

RISK

The original amount that you paid for an investment.

PRINCIPAL

An investor’s combined holdings (including stocks, bonds, commodities, real estate, and other investments).

PORTFOLIO

Measurement of the performance of a specific bundle of stocks thought to represent a sector of the economy.

MARKET INDEX

Spreading your money across many investments in hopes that if one fails, the others will more than make up for the loss.

DIVERSIFICATION

no matter where you are in your life, the best time to start investing is always now.

You can also invest even further into the future by giving the gift of education to your children

An experienced and qualified financial advisor, like those of Raymond James who work with Bank of Colorado Investment Services, can work with you to tailor your portfolio and personal investment plan to fit your current situation, and your dreams for the future. (Find an advisor here.)

Check the background of this firm on FINRA's BrokerCheck. Securities offered through Raymond James Financial Services, Inc. Member FINRA/SIPC, and are not insured by bank insurance, the FDIC or any other government agency, are not deposits or obligations of the bank, are not guaranteed by the bank, and are subject to risks, including the possible loss of principal. Bank of Colorado and Bank of Colorado Investment Services are not registered broker/dealers and are independent of Raymond James Financial Services. Investment Advisory Services offered through Raymond James Financial Services Advisors, Inc. This site is published for residents of the United States only. Raymond James' Financial Advisors may only conduct business with residents of the states for which they are properly registered. Therefore a response to a request for information may be delayed. Please note that not all of the investments and services mentioned are available in every state. Investors outside of the United States are subject to securities and tax regulations within their applicable jurisdictions that are not addressed on this site. Contact your local Raymond James office for information and availability. Raymond James Privacy Policy. OSJ 970-686-8482 1041 Main Street, Windsor, CO 80550

There’s nothing certain about the road ahead. But it almost always pays to be prepared. And you don’t have to do it alone. The right financial advisor can help you gain confidence in the future you and your loved ones deserve. Retirement means time to relax — or at least it should. You’ve worked hard your entire life, carefully cultivated a career, a home, and maybe a family. You’ve earned time to relish the life you’ve built with the ones you love most. But it’s hard to enjoy yourself if you’re constantly fretting about paying your bills or having enough saved to tackle an emergency. That’s why it’s crucial that you start investing now, with the help of the right financial advisor, to safeguard a worry-free retirement. For more information on investment services, visit bankofcolorado.com.

DON'T GO IT ALONE

SET YOUR GOALS

While a financial advisor can help lead you down that path to success and financial independence, they can also help educate you on the basics of the market so that you feel more confident about the decisions you’re making. Part of that is simply understanding the terminology. Here’s a quick primer to help bolster your financial vocabulary:

EDUCATE YOURSELF

Not just your future

Your road to financial independence starts here

DON'T GO IT ALONE

SET YOUR GOALS

While a financial advisor can lead you down that path to success and security, they can also help educate you on the basics of the market so that you feel more confident about the decisions you’re making. Part of that is simply understanding the terminology. Here’s a quick primer to help bolster your financial vocabulary:

EDUCATE YOURSELF

Not just your future