Incapital Financial Services
Description
Vocal Characteristics
Language
EnglishVoice Age
Middle Aged (35-54)Accents
North American (General) North American (US General American - GenAM)Transcript
Note: Transcripts are generated using speech recognition software and may contain errors.
as you approach retirement, investment losses can hit you hard. What if I want to ensure my investments against losses. Market linked certificates of deposit can help you do just that with market linked C. D. S. Your principal investment is 100% protected if held until maturity, subject to the credit risk of the issuing bank. But should the issuer become insolvent the federal deposit insurance corporation or F. D. I. C. Is there to ensure your principal investments up to allowable limits? Let's shine a light on a few common questions. What if the issue of my market Link C. D. Becomes insolvent in this case the F. D. I. C. Insures up to $250,000 per account ownership category and for each account owner and each of their beneficiaries, any investment that exceeds the F. D. I. C. Limit is exposed to the credit risk of the issuer. If the issuer has guaranteed the return of principal in the event of insolvency, the F. D. I. C. Will cover both the principal and any accrued interest up to the applicable insurance limits. However, if interest is only credited at maturity and the issuer becomes insolvent prior to the maturity of the market linked C. D. No interest would be insured. Positive returns generated are not insured and therefore are not paid. Should the bank become insolvent? What if I hold market linked C. D. S. In several different accounts, fortunately the F. D. I. C insures accounts held in several ownership categories so as long as you hold market linked C. D. S. In multiple accounts in a variety of ownership categories, each account owner and each of their beneficiaries will qualify for coverage up to $250,000. What if I want to invest more than $250,000 and want my total investment eligible for F. D. I. C. Insurance. In this case you could structure your market linked C. D. S. Into multiple ownership categories. This can maximize how much F. D. I. C. Coverage you and your family can receive. In this example this family could potentially ensure up to $3.5 million in assets through market linked C. D. S. For assets you can't afford to lose, protect them with market linked C. D. S.