Understanding the fundamentals of investing, including investment strategies and vehicles, will help investors make more informed decisions. Financial professionals can help their clients start and continue that education with our library of programs, featuring easy-to-follow language, illustrative charts and real-life examples. 


The Investor Education resources are divided into two categories: Investing Principles and Investing Vehicles. 
 

Investing Principles

Materials to help investors learn the best practices of investing, and the reasons behind them. 
 

The Elements of Investing 

A diversified approach can help provide an improved outcome by investing in a variety of asset classes.

The Cost of  Timing the Market

History has shown that pulling money out of the market in down periods may reduce long-term returns, as markets have been up more often than not. 

The Rewards of Long – Term Investing

Pulling money out of equities in down periods could reduce long-term return- missing even a few trading days could mean missing some of the market’s biggest gains.

Tax Wise: The Power of Tax – Deferred Investing

A long-term approach of utilizing a full range of tax-deferred investment options available could provide a powerful way to drive long-term growth.

What a Difference a Year Makes

Investment performance is only one factor to consider when planning for a retirement that could last 30 years or more.

Your Options for Lump Sum Distributions-pdf

Receiving a lump sum distribution comes with a number of different options, including  leaving it where it is, moving assets to your new employer's retirement plan or rolling over to an IRA.

Are  You Looking for More in Your Retirement-pdf

The year in which you retire can have a dramatic impact on your savings – retiring into a down market could mean running out of money sooner than you think.


Investing Vehicles

Resources for investors seeking information on specific investment options. 
 

Mutual Funds and
Retirement Savings

An overview of investing in mutual funds to save for retirement, what you should know before investing, and the investment options available to you.

Low Cost Tax Advantages Retirement Savings

An Investment-Only Variable Annuity (IOVA) can help keep costs down while harnessing the power of tax deferral.

Understanding Bonds - Risk, Rates, Ratings

A brochure outlining rates (and how they affect duration), risk and ratings when it comes to understanding bonds.  Includes information about the specific types of risk to consider when investing.

Understanding Closed-End Funds

White paper explaining the basics of closed-end funds and their potential benefits for investors.

Understanding Collective Investment Trusts 

Collective Investment Trusts (CITs) offer similar benefits to mutual funds at generally lower costs, and they also provide the power of tax deferral.

The Municipal Advantage - The Benefits of Municipal Bonds

A brochure indicating the important advantages of municipal bonds to investors. Includes tax-exempt bond yields compared with taxable equivalent yields.

SMAs - A Guide to Separately Managed Accounts-pdf

This guide to understanding Separately Managed Accounts includes how the accounts work, who can benefit from them, and the difference between an SMA and a mutual fund.

Advantages of a 401(k) Plan-pdf

Explains the potential benefits of a 401(k) plan, eligibility requirements, and the advantages of tax-deferred accounts.

Advantages of a 
403(b)(7) Account-pdf

Explains how 403(b)(7) accounts can help employees reduce current taxes while saving for retirement. Includes eligibility requirements, investment options, contribution limits and a discussion on the power of tax deferral.

Advantages of a SIMPLE
IRA Plan-pdf

Outlines the advantages of a Savings Incentive Match Plan for Employees (SIMPLE) IRA, including payroll deduction feature, tax benefits and administrative ease.

Advantages of a SEP
IRA Plan-pdf

Explains the advantages of a Simplified Employee Pension (SEP) IRA Plan for small-business employees and self-employed individuals.

Which Type of IRA
Is Right for  You- pdf

Compares the strengths and limitations of a Traditional IRA versus a Roth IRA, including information about deductions and contribution limits.

Which Type of IRA
Is Right for You Spanish- pdf

Compares the strengths and limitations of a Traditional IRA versus a Roth IRA, including information about deductions and contribution limits - in Spanish.

Which Type of IRA Is
Right for Your Business- pdf

Compares SEP IRA plans with SIMPLE IRA plans, explaining factors such as corporate eligibility rules, coverage requirements, contribution limits and other specifications.

All investments involve risk, including loss of principal. Past performance is no guarantee of future results. Please see each product’s web page for specific details regarding investment objective, risks, performance and other important information. Review this information carefully before you make any investment decision.

The Advisor Partnership Program (TAPP)®, Our Experience. Your Potential®, ACES®, ACES — Advisor Commitment to Education and Service®, and Retirement Reimagined® are registered trademarks of Legg Mason Investor Services, LLC.