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• Coverage: FDIC insurance covers up to $250,000 per depositor, per insured bank, per ownership category (like individual accounts, joint accounts, retirement accounts).
• What’s Insured: It protects deposit accounts such as savings, checking, money market accounts, and certificates of deposit (CDs).
• What’s Not Insured: Investments like stocks, bonds, mutual funds, or cryptocurrencies are not covered by FDIC insurance.
• If a Bank Fails: If an FDIC-insured bank fails, the FDIC steps in to protect your deposits by either reimbursing you directly or transferring your deposits to another insured bank — so you won’t lose your insured money.
• Automatic Protection: You don’t need to apply for FDIC insurance; your deposits at insured banks are automatically protected.

• Independent Investors are individuals managing their own personal portfolios, making investment decisions based on their financial goals, risk tolerance, and preferences. They often invest through brokerage accounts, retirement plans, or personal funds.
• Institutional Investors are organizations such as pension funds, mutual funds, insurance companies, or endowments that manage large pools of money on behalf of others. They typically have professional teams and access to more sophisticated investment opportunities.

Building lasting wealth requires discipline, patience, and a strategic approach. Key principles include:

• Consistent Saving and Investing: Regularly setting aside funds to invest helps your money grow over time.
• Diversification: Spreading investments across various assets reduces risk and enhances potential returns.
• Long-Term Perspective: Staying focused on your goals and avoiding impulsive decisions during market fluctuations.
• Risk Management: Understanding your risk tolerance and balancing your portfolio accordingly.
• Continuous Education: Staying informed and adapting your strategy as markets and personal goals evolve.

These principles form the foundation for creating financial security that lasts a lifetime.

Understanding your risk profile is essential for making informed investment decisions that align with your financial goals and comfort level. Common tools used to assess risk include:

• Risk Questionnaires: Structured surveys that evaluate your financial situation, investment experience, time horizon, and emotional response to market changes.
• Risk Tolerance Scales: Scoring systems that categorize investors from conservative to aggressive based on their willingness to accept volatility.
• Portfolio Simulations: Visual models showing how different investments may perform under various market conditions to gauge potential risk and return.
• Financial Advisor Consultations: Personalized discussions to interpret your risk tolerance and create a suitable investment plan.

These tools help tailor your investment strategy to fit your unique risk capacity and objectives.