Mutual Funds

A mutual fund is a financial vehicle that allows a group of investors to pool their money with a predetermined investment goal. The mutual fund invests the pooled money into specific securities. Each fund has a professional fund manager who is responsible for the fund’s investments.

By pooling money in a mutual fund, investors can buy stocks or bonds with lower trading costs than if they tried to do it on their own. One of the biggest advantages to mutual funds is diversification of your investment across many different types of investments, which is designed to reduce your risk. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. Investing in mutual funds involves risk, including possible loss of principal.

Mutual funds are offered with a prospectus. Investors should consider the investment objectives, risks and charges and expenses of the investment company carefully before investing. The prospectus contains this and other information about the investment company. You can obtain a prospectus from your financial representative. Read the prospectus carefully before investing.

Call one of our financial consultants or 808-356-5199 to learn more about mutual funds.

The LPL Financial registered representatives associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

Securities are offered through LPL Financial (LPL), a registered broker-dealer (member FINRA / SIPC). Insurance products are offered through LPL or its licensed affiliates. Territorial Savings Bank and Investment Services at Territorial Savings Bank are not registered as a broker-dealer. Registered representatives of LPL offer products and services using Investment Services at Territorial Savings Bank, and may also be employees of Territorial Savings Bank. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, Territorial Savings Bank and Investment Services at Territorial Savings Bank. Securities and insurance offered through LPL or its affiliates are: