We can help further diversify your portfolio with money market instruments, treasuries and unit investment trusts. A full spectrum of bonds is also available through HTLF Investment Services including: 
 
         — U.S. Government 
         — Municipal 
         — Corporate 
         — Zero Coupon 
 
Money Market Instruments 
A money market instrument is a form of debt that is short-term, typically up to 13 months, and considered short to medium term liquidity. Within the money market, banks lend to and borrow from each other. 
 
Treasuries 
Treasuries make up the majority of the money market instruments. They are a short-term obligation of the U.S. Treasury, having a maturity period of one year or less and sold at a discount from face value. The return the investor receives is the difference between the price paid and the face value at maturity. These forms are relatively low in risk and their liquidity is considered high. 
 
Government bonds and treasury bills are guaranteed by the US government as to the timely payment of principal and interest and, if held to maturity, offer a fixed rate of return and fixed principal value. 
 
UITs 
Unit Investment Trusts (UITs) are a collection of securities, which are packaged together in a trust. Investors have the ability to purchase pieces of the trust (units), which are listed on an exchange and traded similarly to stocks.  
 
Unit Investment Trusts (UITs) are fixed portfolios of securities with a set term. Strategies are for the long-term, therefore investors should consider their ability to pursue investing in successive trusts and the tax consequences. 
 
UITs are subject to risk; including the potential loss of principal. 
 
Bonds 
A bond is a way for corporations to borrow large sums of money. Unlike stocks, as a bondholder you are not an investor of the company, you are a creditor. 
 
Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise and are subject to availability and change in price. 
 
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INVESTMENT DISCLOSURE 
Securities and Advisory services offered through LPL Financial, a Registered Investment Advisor. 
Member FINRA/SIPC.  Insurance products offered through LPL Financial or its licensed affiliates.  Summit Bank & Trust and HTLF Investment Services are not registered broker/dealers and are not affiliated with LPL Financial. 
 
The investment products sold through LPL Financial are not insured Summit Bank & Trust deposits and are not FDIC insured.  These products are not obligations of Summit Bank & Trust and are not endorsed, recommended or guaranteed by Summit Bank & Trust or any government agency.  The value of the investment may fluctuate, the return on the investment is not guaranteed, and loss of principal is possible. 
 
This site is designed for U.S. residents only. The services offered within this site are offered exclusively through our U.S. registered representatives. LPL Financial U.S. registered representatives may only conduct business with residents of the states for which they are properly registered. Please note that not all of the investments and services mentioned are available in every state. 
 
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