Investing Products & Services

When you invest in an annuity, you're buying a contract from an insurance company that agrees to pay you a lump sum of guaranteed income in exchange for regular payments. Annuities earn either a fixed or variable interest rate — on your terms.

Mutual funds come in many flavors, grouped by the investments they own, among them stock, bond, money market, balanced and target date funds. Your JD Prime Investment advisor can help you choose what's best for your goals.

Otherwise known as universal life insurance, this investment vehicle provides cash value, much like a traditional life insurance policy. The difference: Your tax-deferred cash value account can earn interest by tracking a stock market index.

The bread and butter of most investment portfolios, stocks consist of growth stocks, which tend to outperform the market over time and value stocks, which trade below their worth and provide a great return. Bonds are typically government loans.

The goal of tax-advantaged investing is to maximize your returns and minimize the taxes you pay on them. To that end, you'll build a portfolio heavy on tax-deferred accounts like IRAs and 401(k)s and tax-exempt accounts like Roth IRAs and 401(k)s.

Get the tax advantages and steady gains that come from making contributions to an employer-sponsored 401(k). Or supplement your 401(k) with a traditional or Roth IRA. If you're a business owner or self-employed, consider a SEP or Simple IRA.