ACH Settlement Information for the Thanksgiving Holiday
Business Online Banking ACH files must be received by Tuesday, November 26 in order to settle before the upcoming federal holiday (Thanksgiving Day). ACH files received on Wednesday, November 27 will not settle until Friday, November 29.
There’s no such thing as one-size-fits-all when it comes to planning for your future. Whatever your dreams may be, investing is an integral part of creating and building wealth. First Interstate’s Wealth Advisors will work with you to analyze your current financial state, future goals, and risk tolerance to help you develop a financial plan that meets your needs. As you move through life—and your needs and goals change—your Investment Specialist will make sure your plan does too.
Exchange Traded Funds
Exchange Traded Funds (ETFs) are collections of investments, such as stocks, commodities, or bonds, which are traded on an exchange. An ETF offers a variety of assets within each fund, helping to diversify your portfolio. An investment in Exchange Traded Funds (ETFs), structured as a mutual fund or unit investment trust, involves the risk of losing money and should be considered as part of an overall program, not a complete investment program. An investment in ETFs involves additional risks such as not diversified, price volatility, competitive industry pressure, international political and economic developments, possible trading halts, and index tracking errors.
Liquidity, diversification, and simplicity are three of the advantages of investing in mutual funds. Investing in mutual funds involves risk, including possible loss of principal.
Stocks and Bonds
Stocks and bonds are the core of securities markets across the world. Stocks can be strong investments to grow portfolios; bonds can be attractive as income-producing investments. Stock investing involves risk including loss of principal. Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and bonds are subject to availability and change in price.
Annuities provide deferred or immediate regular payments over a set period of time. Annuities are tax deferred and can be fixed, variable, or indexed. Fixed annuities offer a fixed interest rate and set amount for periodic payments. Fixed annuities guarantee the return of the principal investment. Variable annuities allow the investor to choose mutual funds or other investment accounts in which to place payouts. Variable annuities are long term, tax-deferred investment vehicles designed for retirement purposes and contain both an investment and insurance component. They have fees and charges, including mortality and expense risk charges, administrative fees, and contract fees. They are sold only by prospectus. Guarantees are based on the claims paying ability of the issuer. Withdrawals made prior to age 59 ½ are subject to 10% IRS penalty tax and surrender charges may apply. Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. The investment returns and principal value of the available sub-account portfolios will fluctuate so that the value of an investor’s unit, when redeemed, may be worth more or less than their original value. Indexed annuities offer payouts based on the stock market performance.
Investors should carefully consider the investment objectives, risks, charges and expenses before investing. Every investment has a prospectus that contains important information about the investment. Please read it carefully.
Variable annuities are sold by prospectus, which discusses the investment objectives, risks, charges and expenses before investing. Please read the investment prospectus carefully before investing.
Check the background of investment professionals associated with site on FINRA's BrokerCheck.
Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. First Interstate Bank and First Interstate Investment Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using First Interstate Investment Services, and may also be employees of First Interstate Bank. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, First Interstate Bank. Securities and insurance offered through LPL or its affiliates are:
The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: Idaho, Montana, Oregon, South Dakota, Washington, and Wyoming.
|Not First Interstate Bank Guaranteed||Not First Interstate Bank Deposits or Obligations||Not Insured by FDIC or Any Other Government Agency||May Lose Value|