Investments

    Mutual Funds

    Mutual funds can be an effective part of your investment portfolio, whether you have a short time horizon or want to build wealth over time. When you invest in a mutual fund, you have the potential to benefit from "strength in numbers" as you join thousands of other people with similar financial goals whose money the investment company has pooled to invest in a portfolio of stocks, bonds or other securities. Investments in the fund are selected and monitored by a professional portfolio manager who decides when to buy and sell stocks, bonds or other securities, based on the fund’s objective.

    Portfolio Diversification

    Owning just a few individual stocks, for example, can be risky; if one performs poorly, the performance of your overall portfolio may suffer. That’s why mutual funds invest shareholder assets across many securities, to help reduce the risk to the fund if any one investment in the portfolio loses value. Of course, diversification cannot guarantee a profit or protect your portfolio from losses.

    Professional Management

    Mutual funds can be a good choice for the many investors who don’t have the time or inclination to analyze securities and companies, study the forces that influence the economy, or assess the trends in the financial markets. Large institutions hire professional portfolio managers to perform these tasks; with a mutual fund, individual investors can gain access to the same level of professional money management.

    Liquidity

    Mutual fund investors can buy or sell shares at any time at their current net asset value (NAV). (Sales charges may apply to some purchases and sales.) Since it’s easy to enter and exit the fund, and you’ll know exactly what an investment is worth on any given day, mutual funds can be an attractive option, especially when compared to less liquid investments.

    Mutual funds are subject to market fluctuation and the risks associated with their underlying securities and are subject to management fees and other expenses. There can be no guarantee that any investment product or strategy will provide positive performance over time.

    Before purchasing a mutual fund, you should carefully consider the investment objectives, risks, charges and expenses of the fund. For this and other information, obtain the prospectus from your registered representative. Please read the prospectus carefully before investing or sending money.

    Securities offered through registered representatives of MML Investors Services, LLC (MMLIS), Member SIPC® (www.SIPC.org), or a broker-dealer that has a selling agreement with MML Distributors, LLC (MMLD), Member SIPC®, or MML Strategic Distributors, LLC (MSD). MMLIS, MMLD, and MSD are subsidiaries of Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001, Members FINRA (www.FINRA.org).

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