Carefully consider the investment objectives, risks, charges and expenses before investing. A prospectus, obtained by calling 800-669-3900, contains this and other important information about an investment company. Read carefully before investing.
Investments in bond funds are not insured or guaranteed by the Federal Deposit Insurance Corporation (FDIC) or any other government agency. Bonds and bond funds will typically decrease in value as interest rates rise.
No-Transaction-Fee (NTF) mutual funds are no-load mutual funds for which TD Ameritrade does not charge a transaction fee. NTFs, as well as other funds, have other continuing fees and expenses described in the fund’s prospectus.
To trade commission-free ETFs, you must be enrolled in the program. If you sell an eligible ETF within 30 days of it being purchased commission-free, a short-term trading fee will apply.
Before investing in an Amerivest portfolio, be sure to carefully consider the underlying funds’ objectives, risks, charges, and expenses. For a prospectus containing this and other important information about each fund, contact an Amerivest Specialist at 888-310-7921. Please read the prospectus carefully before investing.
Amerivest Portfolios is an investment advisory service of Amerivest Investment Management, LLC, a registered investment advisor. Brokerage services provided by TD Ameritrade, Inc. Amerivest Investment Management, LLC and TD Ameritrade, Inc. and are both wholly owned subsidiaries of TD Ameritrade Holding Corporation. Amerivest is a trademark of TD Ameritrade IP Company, Inc. Amerivest provides non-discretionary and discretionary advisory services for a fee. Risks applicable to any portfolio are those associated with its underlying securities. For more information please see the Amerivest Disclosure Brochure (ADV Part 2)
Steady income/returns will vary and all investments involve risk, including loss of income payments and loss of principal. Past performance does not guarantee future results. There is no assurance that the investment process will consistently lead to successful investing. Asset allocation and diversification do not eliminate the risk of experiencing investment losses.
Mutual funds are subject to market, exchange rate, political, credit, interest rate, and prepayment risks, which vary depending on the type of mutual fund.
Amerivest Supplemental Income portfolios offer investment strategies designed to provide both income and total returns while limiting your exposure to volatility with a capital preservation strategy. Both the Conservative and Moderate portfolios are not cash, cash alternatives, or money market funds and should not be viewed as such. Both portfolios hold equity and bond mutual funds that have risks inherent to investing in these securities, including market and credit risk, and possible loss of value.
The renewed Amerivest advisory fee rebate offer (the “Offer”) is valid from October 6, 2015, to October 5, 2016 (the “Offer Period”), for new and existing Amerivest clients investing at least $25,000 in net new assets to Amerivest (a “Qualifying Deposit”) in a discretionary Amerivest Portfolio held in a TD Ameritrade Investing Account. The first quarter eligible for a rebate will be January-March 2016. To be eligible for a rebate of the Amerivest advisory fees for applicable quarters, the account must be funded with a minimum of at least $25,000 in net new assets and be invested in an existing or new discretionary Amerivest Portfolio during the Offer Period. If more than one deposit is made, the one that brings the total deposits to $25,000 or more of net new assets during the Offer Period will be the Qualifying Deposit. Once the $25,000 or more in net new assets is invested, the entire portfolio balance in the client’s account is eligible for the Offer.
Clients who make a Qualifying Deposit during the Offer Period and stay fully invested for at least two full, consecutive, calendar quarters are known as “Eligible Clients”. Eligible Clients will cease to be eligible for rebates beginning with any quarter in which they withdraw more than the required minimum Qualifying Deposit. Eligible Clients will automatically receive Amerivest fee rebates for quarters with negative performance during their Term (as defined below) if the Amerivest Portfolio model they are invested in has negative performance (before deduction of Amerivest’s advisory fees) for two consecutive, calendar quarters. Please note that for purposes of the Offer, performance is calculated based on a composite reflecting the actual aggregate composite performance of all Amerivest clients invested in a particular model portfolio rather than the performance of an individual client’s portfolio. Also please note that each calendar quarter’s performance will be measured independently. No other fees, commissions, charges, expenses or market losses will be refunded.
In connection with the Offer, your TD Ameritrade Investing Account will be billed the standard Amerivest advisory fee on a quarterly basis. You will receive a rebate (a credit amount to offset the billed fee for each quarter of negative performance) if there are two consecutive quarters in which your applicable Amerivest portfolio model has negative performance (before deduction of advisory fees). The Offer will be active for each Eligible Client for twelve months (four quarterly billing cycles) starting with the first full calendar quarter after their Qualifying Deposit is made (the “Term”). The Term for each Eligible Client is twelve months, but the beginning quarter of each client’s Term depends on when their Qualifying Deposit is made. Rebates of your quarterly fees for quarters with consecutive negative performance will be automatically credited to your applicable TD Ameritrade Investing Account within 30 days after the end of the second consecutive quarter of negative performance.
The Offer is not transferable. This is not an offer or solicitation in any jurisdiction where we are not authorized to do business. Amerivest reserves the right to extend the Offer Period for additional twelve month periods or to discontinue the Offer upon 90 days advance written notice to clients. For more information on the Offer, please see the FAQs and the full Terms and Conditions or starting on page 14 of Amerivest's Form ADV, Part 2.
Morningstar Associates, LLC (“Morningstar Associates”) is a registered investment advisor and wholly owned subsidiary of Morningstar, Inc. Morningstar Associates provides consulting services to Amerivest Investment Management, LLC (“Amerivest”) but is not acting in the capacity of advisor to individual investors. Morningstar Associates provides recommendations to Amerivest regarding asset allocation targets and selection of securities appropriate for the Amerivest portfolios; however, Amerivest retains the discretion to accept, modify or reject Morningstar Associates' recommendations. Morningstar Associates selects securities for the Amerivest portfolios from the universe of investments made available through TD Ameritrade. In performing its services, Morningstar Associates may engage the services of its affiliate, Morningstar Investment Services, Inc. (“MIS”), a registered investment advisor and wholly owned subsidiary of Morningstar, Inc. Neither Morningstar Associates nor MIS is acting in the capacity of advisor to Amerivest’s clients. Asset Allocation target allocations are subject to change without notice. Morningstar Associates establishes the allocations using its proprietary asset classifications. If alternative classification methods are used, the allocations may not meet the asset allocation targets. The Morningstar name and logo are registered marks of Morningstar, Inc. Morningstar Associates is not affiliated with Amerivest or TD Ameritrade.
Morningstar Associates, LLC is a registered investment advisor and wholly owned subsidiary of Morningstar, Inc. The mutual funds selected by Morningstar Associates for the Premier List have been derived from a universe of mutual funds made available through TD Ameritrade, a universe which does not include all mutual funds available in the marketplace. Both the universe of mutual funds defined by TD Ameritrade and the Premier List are subject to change at any time and without notice. Particular mutual funds on the Premier List may not be appropriate investments for you under your circumstances, and there may be other mutual funds or investment options offered by TD Ameritrade that are more suitable. Morningstar Associates may have more favorable opinions of certain mutual funds which are not included in the universe of mutual funds made available through TD Ameritrade. The Morningstar selections were based on qualitative factors and quantitative analysis conducted by Morningstar Associates. The information, data and opinions contained herein include proprietary information of Morningstar Associates and may not be copied or redistributed for any purpose. Morningstar Associates does not warrant this information to be accurate, complete or timely. Morningstar Associates is not responsible for any damages or losses arising from the use of this information. Past performance is no guarantee of future results. The Morningstar name and logo are registered marks of Morningstar, Inc. Morningstar Associates is not affiliated with TD Ameritrade.
Investments in fixed income products are subject to liquidity (or market) risk, interest rate risk (bonds ordinarily decline in price when interest rates rise and rise in price when interest rates fall), financial (or credit) risk, inflation (or purchasing power) risk and special tax liabilities. Investments in fixed income products are subject to market risk, credit risk, interest rate risk and special tax liabilities. May be worth less than the original cost upon redemption.
Instant X-Ray analyzes mutual funds, U.S.-based stocks, ADRs, plus cash and bond positions when entered using a ticker CASH$ or BOND$, respectively. All other security types are not analyzed.
Third-party research and tools are obtained from companies not affiliated with TD Ameritrade, and are provided for informational purposes only. While the information is deemed reliable, TD Ameritrade does not guarantee its accuracy, completeness, or suitability for any purpose, and makes no warranties with respect to the results to be obtained from its use. Please consult other sources of information and consider your individual financial position and goals before making an independent investment decision. Past performance does not guarantee future results.
Before rolling over a 401(k) to an IRA, be sure to consider your other choices, including keeping it the former employer’s plan, rolling it into a 401(k) at a new employer, or cashing out the account value keeping in mind that taking a lump sum distribution can have adverse tax consequences. Whatever you decide to do be sure to consult with your tax advisor.
You may roll over assets from a former employer's retirement plan to an existing Traditional IRA or open a new, separate Rollover IRA. The assets you roll over to an existing Traditional IRA can later be moved into an employer-sponsored plan. However, the after-tax (non-deductible) contributions you make to your Traditional IRA cannot be rolled over to an employer-sponsored plan. Always consult a tax advisor to learn how a financial decision will impact your individual retirement planning.
Annuities are long-term investments designed for retirement purposes. Withdrawals of taxable amounts are subject to income tax and, if taken prior to age 59½, a 10% federal tax penalty may apply. Early withdrawals may be subject to withdrawal charges. Optional riders are available at an additional cost. All guarantees are based on the claims paying ability of the insurer. An annuity is a tax-deferred investment. Holding an annuity in an IRA or other qualified account offers no additional tax benefit. Therefore, an annuity should be used to fund an IRA or qualified plan for annuity features other than tax deferral. Product features and availability vary by state. Restrictions and limitations may apply.
Investors should carefully consider a variable annuity’s risks, charges, limitations, and expenses, as well as the risks, charges, expenses, and investment objectives of the underlying investment options. This and other important information is provided in the product and underlying fund prospectuses. To obtain copies of the prospectuses, contact an annuity specialist at 800-347-7496 or email firstname.lastname@example.org. Please read them carefully before investing.
Investment and Insurance Products: Not FDIC Insured * No Bank Guarantee * May Lose Value
An insurer's financial strength rating represents an opinion by the issuing agency regarding the ability of an insurance company to meet its financial obligations to its policyholders and contract holders. A rating is an opinion of the rating agency only, and not a statement of fact or recommendation to purchase, sell or hold any security, policy or contract. These ratings do not imply approval of our products and do not reflect any indication of their performance. For more information about a particular rating or rating agency, please visit the website of the relevant agency.
All guarantees are based on the claims paying ability of the insuring company.
The annuity products offered are issued by separate and unaffiliated third-party insurance carriers. TD Ameritrade and these companies are not responsible for each other's policies or services.
Insurance products/services are offered through The Insurance Agency of TD Ameritrade, LLC. Brokerage services provided by TD Ameritrade, Inc., member FINRA/SIPC. The Insurance Agency of TD Ameritrade, LLC and TD Ameritrade, Inc. are both wholly owned subsidiaries of TD Ameritrade Holding Corporation. TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company, Inc. and The Toronto-Dominion Bank. © 2015 TD Ameritrade IP Company, Inc. All rights reserved. Used with permission.