Securities and insurance products offered through LPL Financial and its affiliates. Member FINRA/SIPC.
Not NCUA Insured
No NGFCU Guarantee
May Lose Value
Northrop Grumman Federal Credit Union is not a registered broker-dealer and is not affiliated with LPL Financial.
The Gensler Group is registered to do business in AL, AZ, CA, CO, CT, FL, GA, HI, ID, IL, IN, KS, KY, MD, MI, MO, MS, MT, NC, NM, NV, NY, OK, OR, SC, TX, UT, VA, WA, and WI.
The Blue Heron Group is registered to do business in AR, AZ, CA, CO, DC, DE, FL, GA, IL, IN, KY, MA, MD, MI, NC, NH, NJ, NV, NY, OH, PA, RI, SC, TX, VA, and WA.
Membership in Northrop Grumman Federal Credit Union means co-ownership in one of the strongest credit unions in the country.
Wealth Accumulation
The secret to success in long-term investing is time, not timing. To the extent possible put time on your side and let it work for you. Along the way, be watchful of the problems that plague most investors: taxes and inflation.
How to accumulate wealth is not a mystery. It simply takes time and patience. Because most of us do not have thousands of dollars to invest when we begin, these six steps are suggested:
Start immediately.
Invest systematically/regularly.
Diversify your holdings.
Take advantage of tax reduction strategies.
Stay the course.
From a tax perspective, we suggest you look at potential investment opportunities from three different points of view: taxable, tax-deferred, and tax-free.
Taxable
Direct ownership of any number of assets, including stocks, corporate bonds, and mutual funds. Mutual funds are simply professional management portfolios which may invest in either stocks, bonds, or a combination of the two.
Tax-Deferred
Investment accounts which have been specifically designed to attract long-term investment dollars by offering the inducement for tax-deferral. By postponing the taxes imposed on your earnings, your money can grow faster. Examples include IRA accounts, 401(k)s, and annuities (insurance company sponsored investment alternatives).
Tax-Free
Practically speaking, the only "tax-free" investment alternative still available today is the municipal bond. Municipal bonds are debt obligations issued by cities, counties, and state governments for the common good--to finance such projects as schools, hospitals, bridges, and roads. However, please note that these earnings may be subject to other taxes such as alternative minimum tax.
We encourage you to talk with an informed professional before embarking on any investment course. You are invited to talk to an LPL Financial investment representative (without cost or obligation) in Southern California or the Baltimore area.
Mailing Address
Box Number 47009
Gardena, CA 90247-6809
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Are you still paying a high interest rate on your InfiBank One Card?
Apply for the NGFCU MasterCard
and get a 4.99% APR for the first 5 billing cycles. Click here to apply for the NGFCU MasterCard and get the value you deserve.
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