Personal Investments

Flexible investment strategies to help you get where you need to be.

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Valley National Bank offers a wide variety of personalized investment services through Cetera Investment Services LLC, member FINRA/SIPC.

  • College Planning - 529 College Savings Plans: These state-sponsored plans offer flexible, tax-deferred ways to save for education expenses. Before investing, the investor should consider whether the investor's or beneficiary's home state offers any state tax or other benefits available only from that state's 529 plan.
  • Financial Planning: Review your financial well-being on an annual basis with one of our seasoned financial advisors.
  • Retirement Planning: Whether you are early in your career, actively contemplating retirement or already retired, we can help ensure you have the resources you need for the retirement lifestyle you want.
  • Mutual Funds
  • Unit Investment Trusts
  • Stocks: Stock signifies ownership in a corporation. Many companies issue stock, also known as equity, to raise money for expansion, equipment upgrades or other costly developments. By purchasing stock, you are actually paying for a small percentage of everything the company owns. Generally, investors purchase stock to realize capital gains.
  • U.S. Treasury Securities: Treasury Securities are issued by the United States government and are generally considered the safest of all investments. Treasury bonds are issued in a wide range of maturities, from four weeks to 30 years. Generally, they are non-callable and the interest payments are exempt from state and local taxes. The timely payments of interest and principal are guaranteed by the U.S. government.
  • Government-Sponsored Enterprise Securities
  • Corporate Bonds: Bonds are debt obligations issued by U.S. and foreign companies to raise capital for business growth and general corporate purposes.
  • Brokered Certificates of Deposit: (CDs) are issued by financial institutions, such as banks, and are sold directly through brokerage firms. Brokered CDs have characteristics similar to bonds, but offer the protection of the FDIC.
  • Mortgage-Backed Securities and Collateralized Mortgage Obligations
  • Preferred Securities: Preferred securities offer certain benefits of both stocks and bonds. They are most suitable for investors with long-term time horizons who are interested in a fixed rate of return.
  • Callable Securities: Callable securities are issued by U.S. government entities, corporations and financial institutions. They offer a stated final maturity but allow the issuers, at their option, to redeem (or call) the bonds prior to term after an initial non-call period. A call schedule is determined at the time of issuance. Bonds may be called on specific dates only, or at any time after the non-call period. Most bonds are callable at face value plus accrued interest.
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