900 East Paris Avenue, Suite 100, Grand Rapids, MI 49546 | 616.559.45551131 West Superior Street, Wayland, MI 49348 | 269.792.0362Securities 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. United Bank Bank and United Wealth Management are not registered as a broker/dealer or investment advisor. Registered representatives of LPL offer products and services using the name United Wealth Management, and may also be employees of United Bank. These products and services are being offered through LPL or its affiliates, which are separate entities from and not affiliates of United Bank or United Wealth Management. The United Wealth Management site is designed for U.S. residents only. The services offered within this site are offered exclusively through our U.S. registered representatives. LPL Financial registered representatives associated with this site may only discuss and/or transact securities business with residents of the following states: AZ, AR, CA, CO, FL, GA, IL, IN, ME, MI, MO, OH, OR, VA, and WA. Securities and insurance offered through LPL or its affiliates are:
The role of common stocks and bonds in your plan
Since each share of common stock represents a share of ownership in a company, if a company does well, the common stock goes up in value. You earn money through price appreciation and dividends. There is risk as well. If a company does poorly, the stock can plummet and you can lose your initial investment. Since bonds have a set maturity date and a percentage rate promised to you, they serve as a stabilizing influence in your investment portfolio.
Are common stocks and bonds for you?
Common stocks allow you to share in a company’s success over time, which is why they can make great long-term investments. As the economy grows, so do corporate earnings. Historically, stocks grow with the economy and stay ahead of inflation. While stocks outperform bonds over the long haul, people look to bonds as a safer investment. They tend to generate a steady, predictable stream of income from your savings.
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Interest rates and bond prices have an inverse relationship. When the general interest rate goes up, the price of existing bonds falls.
Why United Wealth Management
Whatever questions you come to us with, you’ll leave with answers.
Stock investing includes risks, including fluctuating prices and 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.