With the expertise and resources, Shelby County Investment Center can help you with any of these financial goals and more. And, you can count on straightforward, sound investment advice that will help you make the best decisions towards reaching your goals.

Our Financial Advisors can answer your questions regarding:

  • Annuities
  • College Education Planning
  • Retirement Planning
  • Stocks
  • Bonds
  • Mutual Funds and more!

For security purposes, please do not email personal information such as your address, phone number, account number, PIN, or Social Security Number. Orders should not be requested via email as they will not be honored.

Financial Advisor

Gene Gettys

office: 712-235-7707
fax: 712-235-7708
508 Court Street PO Box 29, Harlan, IA 51537-0029
ggettys@scsbnet.com

Quarterly Q&A

Constructing an Investment Portfolio That's Right for Me - Fall 2014

Prepared by Broadridge Investor Communication Solutions, Inc

Question:

How do I construct an investment portfolio that's right for me?

Answer:

Generally, you should leave the construction of an investment portfolio to your professional investment advisor, especially if you are investing a significant percentage of your total wealth, or if you're relying solely on the success of your portfolio to meet your future financial goals. However, whether you or your advisor designs your portfolio, consider a few of these well-recognized guidelines.

The term "time horizon" refers to how long you plan to keep your money invested. Your time horizon affects your portfolio design because the longer you plan to keep your money invested; the easier it may be for you to ride out dips in the market. You may be able to tolerate more volatile investments, with potentially higher returns (though time alone is no guarantee of higher returns).

Your personal risk tolerance also affects your portfolio design. Can you sleep at night knowing that a sudden downward shift in the market could cost you a significant portion of your principal? If not, a portfolio that holds a high percentage of aggressive growth stocks, for example, is not right for you. You should match investments to your personal level of risk tolerance.

Your personal liquidity needs may eliminate some investment choices. If you periodically need access to your investment dollars, it makes no sense to design a portfolio dominated by assets that can't be readily sold or whose value can fluctuate dramatically. Instead, you'll need investments that can be converted to cash easily and quickly.

Broadridge Investor Communications, Inc. and First National Capital Markets, Inc. (FNCM) are separate and unaffiliated companies.

Is it too late to contribute to my IRA? - Winter 2015

Prepared by Broadridge Investor Communication Solutions, Inc

Question:

It's January, and I forgot to contribute to my IRA. Is it too late?

Answer:

No. Generally speaking, the IRS allows you to make your IRA contribution for a particular tax year up until April 15 of the following year. This rule applies to both traditional IRAs and Roth IRAs, giving you some flexibility in terms of the timing of your annual IRA contribution. You can contribute a total of $5,500 to all the IRAs you own in 2015 (unchanged from 2014). In addition, if you're age 50 or older, you can make an extra "catch-up" contribution of $1,000 a year in 2014 and 2015. Note that you can make your annual IRA contribution in a series of payments rather than in one lump sum. For example, let's say you want to invest the maximum amount in your IRA for 2015. You can either make a lump-sum contribution of $5,500, or you can set up a savings plan whereby you invest a fixed amount each month in your IRA. Because you're allowed to spread your 2015 IRA contribution over a 15½-month period (January 1, 2015 through April 15, 2016), you can invest as little as $354.83 per month and still end up contributing the full $5,500.

Broadridge Investor Communications, Inc. and First National Capital Markets, Inc. (FNCM) are separate and unaffiliated companies.

Securities provided by First National Capital Markets, Inc. (FNCM), a registered broker/dealer and registered investment advisor. Member FINRA and SIPC.

Investment products are: Not a Deposit • Not FDIC Insured • Not Insured by any Federal Government Agency • Not Guaranteed by the Bank • May Go Down in Value

Banking products provided by First National Bank of Omaha.