Premier Services for Preferred Investors
As a Valet client, you will benefit from an enhanced selection of high quality products and services.
Valet offers a powerful combination of banking and brokerage services in one all-inclusive account. You can amass a portfolio of assets that includes money market funds and securities that are always invested and working for you. If you need cash -- simply write a check, or use your Valet Visa® debit card for merchandise purchases or ATM withdrawals.You can even use your Valet account to pay household bills quickly and securely via the Internet. Each month, you'll receive one comprehensive statement that details all of your investment and cash management activity. With Valet, managing your overall finances is more efficient and less time consuming. Plus, you receive perks and privileges worthy of your preferred account status.
Investment Services
Whether you're a new investor or a veteran, our investment representatives can assist you by executing securities trades, by supplying news and information about particular companies or industries, and by responding to inquiries about your account(s). Their knowledge and guidance can help you make more confident financial decisions.
Stocks, Bonds, Mutual Funds and Other Investments
You have access to a wide variety of investment products to meet your personal goals and objectives. Your Valet portfolio can include load and/or no-load mutual funds, foreign and domestic stocks, taxable and non-taxable bonds, certificates of deposit, etc. Your investment representative can help you determine which types of investments are appropriate for your needs.
Get Started Today and Watch Your Savings Grow
The variety of IRAs available today enables most people to benefit from them, even if contributions are made with after-tax dollars. The chart below clearly illustrates the advantages of tax-deferred investing.
Taxable vs. Tax Deferred Investment Growth
Invest as Aggressively or Conservatively as You Like
You can invest your contributions in stocks, bonds, mutual funds, or high yield money market funds. The choice is up to you. Each account held with us is protected up to the net equity of your securities positions. SIPC (Securities Investor Protection Corp.) provides the first $500,000 of coverage (including $100,000 for cash balances). The additional excess SIPC coverage is provided by Customer Asset Protection Company, a licensed Vermont insurer.
Automatic Reinvestment of Dividends
Accumulate more shares of the securities held in your account by reinvesting dividends and other distributions.
Complete a Dividend Reinvestment Authorization Form Online
Periodic Mutual Fund Investment Plan
Purchase mutual funds a little at a time through systematic investing. You control how much and how often you want to invest in the fund(s) of your choice. Minimum amount required for systematic investing is $100 per month.
Capital Gains Reporting
Valet keeps track of the original cost basis and current value of your securities so that you can easily monitor realized and unrealized gains and losses.
Daily "Sweep" of Cash Balances
With Valet, your deposits, investment income, and proceeds from sales of securities are "swept" daily to a high yield, money market fund of your choice.
Click here to access a list of available funds
Direct Deposit
Put your money to work immediately by having your payroll, pension, or social security benefits deposited directly into your Valet account. Recipients of Social Security Benefits can obtain a direct deposit form from the Social Security website at http://www.ssa.gov/deposit/index.htm or by calling Social Security at 1-800-772-1213.
Instant Credit
Borrow against the value of eligible securities to purchase additional securities or to obtain funds for other personal needs. As a Valet client, your marginable securities generate automatic overdraft protection when you write checks or use your Visa® Gold debit card. The interest on your margin loan may be tax deductible. Consult your tax preparer for more information.
Borrowing on margin involves certain risks and may not be appropriate for some investors. Refer to the Valet account agreement for more information about the rules and risks associated with margin borrowing.
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