Supersede Financial Consultants
Who We Are
Supersede is a company with a proud tradition of assisting those who need it find their financial footing through investments, in a way that's right for them. Below, you will find a list of some of the many investment systems we can get you involved in today.
High Risk Plans
Corporate Bond: A bond for a corporation which is purchased by private investors. While higher risk than government bonds, they will come with an associated higher interest rate.
Junk Bond: A very high-risk, high-return bond that are low rated relative to investment grade bonds.
Medium Risk Plans
Bond: A "debt investment", in which the investor loans money to some entity, which borrows the money for a set period of time while paying it back with an interest rate (either fixed or variable) over a set period of time.
CD: A CD, or Certificate of Deposit, is a savings certificate that an investor takes with a set amount of interest to be accrued and a set date to be withdrawn, called the maturity date. CDs are issued by banks and will usually be FDIC insured. Since there is a very low risk, there is also generally a very low rate.
401(k): A 401(k) plan, named after the tax code section that defines them, is one sponsored by your employer. It allows an employee to take money out of a paycheck before taxes are payed on it, so that they are only payed when the money is withdrawn. With a 401(k), you control how your money is invested. Most plans offer a spread of mutual funds composed of stocks, bonds, and money market investments.
Treasury Note: A marketable U.S. government debt security with a fixed interest rate and a maturity between one and 10 years. Treasury notes can be bought either directly from the U.S. government or through a bank. Someone can choose to either put in a bid for interest rate, or accept the rate they get.
Low Risk Plans
Municipal Bond: A debt security issued by a state, municipality or county to finance needs. Municipal bonds are exempt from federal taxes and from most state and local taxes, especially if you live in the state in which the bond is issued.
Money Market Mutual Fund: A mutual fund in which the money is invested with the desire to earn a small amount of interest while keeping invested capital liquid.
Treasury Bills: A short term government backed investment on large denominations with set rates and three options for maturity. While the investment itself is not high risk, they are issued competitively.