Invest Smart NH

Learn the Lingo Prospectus – a formal written offer to sell a stock or bond to the public. Always read the prospectus before investing in a product! Visit investsmart.nh.gov for more valuable investor tips!

If you are an investor who believes you are a victim of a fraudulent investment scheme or have concerns about a particular financial adviser, you can file a complaint with the NH Bureau of Securities. Visit investsmart.nh.gov/file-complaint for more info!

Learn the Lingo Vesting Period – the amount of time you need to stay with your employer to qualify to keep their matching contributions to your retirement account. Visit investsmart.nh.gov to learn more about saving for retirement and reaching your investing goals.

Our staff is ready and willing to share knowledge about smart investing, understanding investments, avoiding fraud, choosing an investment professional, and improving financial literacy! Visit investsmart.nh.gov/investor-resou… to request a speaker for your group! #InvestSmartNH

Learn the Lingo Affinity Fraud – occurs when a fraudster uses an affiliation with a specific group to capitalize on trust to persuade investors to buy into a fraudulent investment. Visit investsmart.nh.gov to learn how to spot and avoid investment fraud #InvestSmartNH

In retirement, you’ll likely need at least 70% of your last working year’s income to maintain your lifestyle. If you’re concerned that you’ve gotten off to a late start in building your assets, there are ways to catch up. Visit investsmart.nh.gov to find out how!

Prospectus – a formal written offer to sell stocks or bonds to the public. You should always read the prospectus carefully before making an investment Visit investsmart.nh.gov for more investment lingo!

Investing is a balance between risk and return. The more risk you’re willing to take the greater the potential for substantial return, but also for loss. On the other hand, if you take no risk, your return will be minimal. Visit investsmart.nh.gov for more tips!

Compounding – when your investment earnings are added to your principal, forming a larger base on which future earnings may accumulate. Visit investsmart.nh.gov for more investment lingo!

It’s tough to start investing when you don’t know the basics, but there are plenty of resources out there for the green investor, including the New Hampshire Investor Guide. Check it out for free at investsmart.nh.gov!

Dividend – a portion of a corporation’s earnings that the board of directors may pay out to shareholders as a return on investment. Visit investsmart.nh.gov for more investment lingo!

If the value of your investment portfolio increases more quickly than inflation causes prices to rise, you’ll increase your net worth. One way to do this is to invest for growth. Visit investsmart.nh.gov for more tips!

Fiduciary Duty – an obligation to act in the best interests of another person or entity. Financial advisers have a fiduciary duty to their clients. Visit investsmart.nh.gov for more investment lingo!

The rule of 72 is an effective way to estimate how inflation can erode your income. Divide 72 by the annualized inflation rate (around 3% since 1926). Following this equation, you can expect your living expenses to double every 24 yrs. Visit investsmart.nh.gov for more!

Reallocating – the process of adjusting your asset allocation as your circumstances change. It’s important to reallocate as your current financial situation changes. Learn more lingo on investsmart.nh.gov!

Knowledge is power, especially when investing! Check out NASAA’s “The Alert Investor” podcast series to learn more about investing wisely. nasaa.org/investor-educa… And visit investsmart.nh.gov for more tips! #InvestSmartNH

Check out investsmart.nh.gov to learn more about all the exciting investor education initiatives coming out of the Bureau of Securities Regulation! x.com/NHSecretary/st…

Asset allocation – how you divide your investing portfolio among different assets. Asset allocation is a personal decision that depends on your unique financial situation. Visit investsmart.nh.gov to learn more investing lingo! #InvestSmartNH #investing101

What kind of investor are you? Whether you’re an experienced or first-time investor, @NASAA has resources for you! Check them out at nasaa.org/investor-educa… #InvestSmartNH #investing101 #howtoinvest

Diversification – an effective way of managing investment risk by investing in several investments within each subclass of an asset class. Visit investsmart.nh.gov to learn more investing lingo!