3i Wealth Management

Remember that investing involves risk and can result in the loss of principle.  Performance returns and principal values will fluctuate.  Investments are not FDIC insured, are not bank guaranteed, and can lose value.  Past investment performance is not indicative of future results.  Diversification does not eliminate the risk of loss.  Rebalancing also does not eliminate the risk of loss and may cause investors to incur transaction costs and tax liabilities.  The information presented should not be construed to indicate that a certain level of investment performance is achievable.  The information provided is general in nature and is not intended to recommend any specific investment product, strategy, and is not a solicitation to purchase or sell any security or entity.  No portion of this content should be interpreted as presenting legal or accounting advice.

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Fixed income securities involve interest rate risk, inflation risk, and credit risk.  Interest rate risk is the possibility of a decline in a bond’s price due to a rise in interest rates.  Inflation risk is the risk of a rise in inflation that causes the bond’s interest rate payments and principle to erode in purchasing power.  Credit risk is the risk that a company will not be able to pay the interest or principal debt on its bonds. Additionally, if sold prior to maturity, such securities may be exposed to market risk, which is the risk of selling at a price that is less than the original purchase price.

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Cash substitutes typically include money market securities and U.S. Treasury Bills, which are also exposed to inflation rate risk.  Additionally, U.S. Treasury Bills may also be subject to market risk.  Money market securities may involve credit risk and the risk of principal loss since such securities are not guaranteed by the Federal Deposit Insurance Corporation or any other government agency.

 

Investing in stock and REIT securities involve volatility risk, market risk, and idiosyncratic risk.   In terms of volatility risk, prices of stocks and REITS fluctuate, and sometimes significantly. Such volatility can cause the value of these securities to fall. Market risk can also cause stock and REIT values to decline as a result of negative economic conditions. Idiosyncratic risk is the risk that a specific company’s value declines due to economic conditions affecting that particular company. 

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International investing involves additional risks including, but not limited to, country risk, foreign exchange rate risk, differences in tax laws, and political instability.

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Derivatives are financial instruments whose value is derived on an underlying instrument (e.g., security price, index price, interest rate, etc.).  Investing with derivatives adds a layer of additional risk. Derivative values may not correlate as expected to the value of the underlying instrument.  In addition, the potential of loss is much greater than the amount of the premium when entering into certain derivative contracts.  Moreover, market conditions may prohibit the ability to close a derivative position at a favorable time or price.

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Please contact 3i Wealth Management for any of the following disclosures: Privacy Policy, Firm Brochure Disclosure, and ADV Part 2B. 

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Business Advisory Services do not include management responsibilities on behalf of your business. For example, hiring and firing client staff, approving journal entries, financial statements, or strategic business plans, and performing other management / fiduciary responsibilities are not within the scope of services.  Business Advisory Services only provide recommendations and are strictly consultative in nature.