Money Market Instruments, Treasury Bills, UITs, and Bonds
We can help further diversify your portfolio with money market instruments, treasuries, unit investment trusts, and bonds. A full spectrum of bonds is available through HTLF Investment Services including:

• U.S. Government
• Municipal
• Corporate
• Zero Coupon

Money Market Instruments
A money market instrument is a form of debt that is short-term, typically up to 13 months, and considered short to medium term liquidity. Within the money market banks lend to and borrow from each other.

Treasuries
Treasuries make up the majority of the money market instruments. They are a short-term obligation of the U.S. Treasury, having a maturity period of one year or less and sold at a discount from face value. The return the investor receives is the difference between the price paid and the face value at maturity. These forms are relatively low in risk and their liquidity is considered high.

Government bonds and treasury bills are guaranteed by the US government as to the timely payment of principal and interest and, if held to maturity, offer a fixed rate of return and fixed principal value.

UITs
Unit Investment Trusts (UITs) are a collection of securities, which are packaged together in a trust. Investors have the ability to purchase pieces of the trust (units), which are listed on an exchange and traded similarly to stocks.

Unit Investment Trusts (UITs) are fixed portfolio of securities with a set term. Strategies is a long-term one, therefore investors should consider their ability to pursue investing in successive trusts and tax consequences.

UITs are subject to risk; including the potential loss of principal.

Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rate rise and are subject to availability and change in price.

How to Get Started
Regardless of your age or how much you have to invest, the time to get started is now. We’ll help you build your future with confidence.
 
For answers to specific questions or concerns,
email us or call us at 1-608-328-4011 or 1-888-948-4100.

Securities and Insurance products offered through LPL Financial
and its affiliate’s member FINRA/SIPC.

NOT FDIC INSURED * MAY LOSE VALUE * NO BANK GUARANTEE * NOT A DEPOSIT * NOT INSURED BY ANY FEDERAL GOVERNMENT ENTITY

This site is designed for U.S. residents only. The services offered within this site are available exclusively through our U.S. investment representatives. LPL Financial's U.S. investment representatives may only conduct business with residents of the states for which they are properly registered. Please note that not all of the investments and services mentioned are available in every state.

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