Saving and Investing for Students

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SAVING AND INVESTING
IMPORTANT CONTACTS
SEC
NASAA
100 F Street, N.E.
750 First Street, N.E., Suite 1140
Washington, D.C. 20549-0213
Washington, D.C. 20002
Toll-free: [phone]
Phone: [phone]
Website: Investor.gov
Website: www.nasaa.org
You should also find out as much as you can about any in-
vestments that your investment professional recommends. 
First, make sure the investments are registered. Keep in mind, 
however, the mere fact that a company has registered and files 
reports with the SEC doesn’t guarantee that the company will 
be a good investment.
Be wary of promises of quick profits, offers to share “inside 
information,” and pressure to invest before you have an oppor-
tunity to investigate. These are all warning signs of fraud. Ask 
your investment professional for written materials and pro-
spectuses, and read them before you invest. If you have ques-
tions, now is the time to ask.
• 
How will the investment make money?
• 
How is this investment consistent with my investment goals?
• 
What must happen for the investment to increase in value?
• 
What are the risks?
• 
Where can I get more information?
Finally, it’s always a good idea to write down everything your 
investment professional tells you. Accurate notes will come in 
handy if ever there’s a problem.

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U.S. SECURITIES AND EXCHANGE COMMISSION
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Some investments make money. Others lose money. That’s 
natural, and that’s why you need a diversified portfolio to min-
imize your risk. But if you lose money because you’ve been 
cheated, that’s not natural, that’s a problem.
Call or write to us and let us know about the problem. Inves-
tor complaints are very important to the SEC. You may think 
you’re the only one experiencing a problem, but typically, you’re 
not alone. Sometimes it takes only one investor’s complaint to 
trigger an investigation that exposes an illegal scheme. Com-
plaints can be filed online with us by going to www.sec.gov/