Getting Started

The investment world is unique, with its own language, resources, markets and more. Take time to familiarize yourself with the concepts and work with a financial advisor to create a well-rounded portfolio to build your wealth.


Investing doesn't have to be complicated. Learning some basic concepts will help you take the first steps toward a sound investment strategy.

  • Asset Allocation: The mix of certificates, stocks, bonds and cash in a retirement account. The proportions aim to balance risk and reward based on the investor's goals, risk tolerance and investment horizon.
  • Compounding: An asset's ability to generate earnings, which are then reinvested in order to generate their own earnings. The more time money has to grow, the more opportunity you have for compounding.
  • Diversification: Mixing different investments to limit financial risk. Accomplished by spreading money across major asset classes (stocks, bonds, etc.) or different investment options within one asset class (mix of stocks from large and small companies).
  • Rebalancing: Periodically buying or selling assets in your portfolio to maintain your original desired level of asset allocation. Often done annually, it should also be done any time your risk tolerance changes.

Best Ways to Invest

To start, organize your finances to help manage your money more efficiently. Investing is just one component of your overall financial plan—get a clear picture of where you are today.

Next, establish a solid financial base, making sure you have an adequate emergency fund, sufficient insurance coverage and a realistic budget. Take full advantage of any benefits and retirement plans that your employer offers.

From there, take the next steps to build your investments:

  • Set aside a portion of your income regularly as savings.
  • Invest so that at a minimum, your money keeps pace with inflation over time.
  • Diversify your investment types to guard against risk.
  • Focus on long-term potential rather than short-term gains.
  • Ask questions and become educated before investing.
  • Avoid the urge to invest based on how you feel about an investment.

You may also want to consider a managed account-a personalized investment portfolio tailored to your specific needs and looked after by a hired professional money manager.

Build your wealth beyond your paycheck. The better you manage your dollars, the more likely it is that you'll have the money to make the future what you want it to be. Navy Federal Financial Group has the expertise to help you do so.

Make an investment in your financial future

Call 1-877-221-8108 or find a financial advisor near you.

Nondeposit investment and insurance products are offered through Navy Federal Financial Group, LLC (NFFG) and through its subsidiary, Navy Federal Brokerage Services, LLC (NFBS), a member of FINRA/SIPC and an SEC registered investment advisory firm. Brokerage and advisory products are offered through NFBS. These products are not NCUA/NCUSIF or otherwise federally insured, are not guaranteed or obligations of the credit union, are not offered, recommended, sanctioned, or encouraged by the federal government, and may involve investment risk, including possible loss of principal. 1-877-221-8108. Trust Services available through MEMBERS Trust Company. 1-855-358-7878.

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