![]() Unlike mutual funds, shares of ETFs are not individually redeemable directly with the ETF. ![]() Investment returns will fluctuate and are subject to market volatility, so that an investor’s shares, when redeemed or sold, may be worth more or less than their original cost. ![]() Each individual investor should consider these risks carefully before investing in a particular security or strategy. Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income, small-capitalization securities, and commodities. Performance may be affected by risks associated with non-diversification, including investments in specific countries or sectors. Some ETFs may involve international risk, currency risk, commodity risk, leverage risk, credit risk, and interest rate risk. **ETFs are subject to risk similar to those of their underlying securities, including, but not limited to, market, investment, sector, or industry risks, and those regarding short-selling and margin account maintenance. A prospectus, obtained by calling 80, contains this and other important information about an investment company.
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