Whether your priorities include retirement, education, security, a life event, legacy planning—or all of these—BB&T Investments can help you reach your goals.
Ways to invest
How do you prefer to invest? From "do it yourself" to "help me choose," we'll provide the right level of support to suit your style.
- Invest online using Marketconnect® if you prefer to invest on your own, or
- Talk with an financial consultant and get investment advice to help you reach your goals
Concerned about increasing college costs? Our flexible savings plans can help you afford the college of your choice.
- Begin early and make regular contributions—even small deposits will add up over time
- Benefit from tax-deferred growth and tax-free withdrawals for education expenses from most plans
- Accommodate your saving style with a variety of investment and FDIC-insured options
Which IRA is best for you? From Traditional and Roth to business IRAs—we'll help put you on the right path for retirement.
- Take advantage of money-saving features such as tax-deferred earnings and tax-deductible contributions
- Contribute to a Roth IRA today with after-tax money and get tax-free income at retirement
- Reduce your taxable income and enjoy tax-deferred growth with a business SEP (Simplified Employee Pension) or SIMPLE (Savings Incentive Match Plan for Employees) IRA
A tax-deferred insurance product, annuities provide a steady stream of income at retirement.
- Establish retirement income for a specified amount of time or for life
- Plan for a death benefit payable to your beneficiary
- Grow earnings tax deferred, and pay ordinary income tax for distributions
Asset management account
An Asset Management Account helps you meet your transactional needs while putting remaining funds to work by "sweeping" them into your brokerage account.
- Select automated sweep to designate a minimum and maximum account balance, with the remaining funds swept into your brokerage account each night
- With the automated zero-balance sweep, choose to have all Asset Management funds deposited into your brokerage account nightly
- Opt for self-directed sweep to choose when to transfer cash between your Asset Management Account and your brokerage account
Bonds are a conservative way to invest, providing security and a steady source of interest income.
- Take advantage of an investment more stable than stocks
- Choose from options including US Treasury, municipal and corporate bonds
- Benefit from certain bonds that may be free from federal and/or state taxes
Exchange traded funds
Exchange Traded Funds (ETFs) are perfect for investors who want the diversification of a mutual fund and the liquidity and purchasing power of a stock.
- Invest in a basket of securities available in virtually every asset class
- Buy or sell on the stock exchange at any point in the day
- Take advantage of lower fees and flexible buying and selling options
Issued by a bank, these CDs offer FDIC protection and an opportunity to participate in the upside of the stock market.
- Benefit from the security of up to $250,000 of FDIC insurance
- Know that performance is tied to an index, such as the S&P 500
- Invest in funds that are not liquid and that require a long-term commitment
Professionally managed, mutual funds enable you to build a diverse investment portfolio.
- Rely on a professional fund manager to monitor and manage investment performance
- Choose from an almost endless variety of equity, bond or cash options based on your goals and objectives
- Buy or sell your fund at market close—funds are priced once daily
Stocks can be a valuable part of a diversified portfolio, particularly for anyone who wants to own shares in a specific public corporation.
- Benefit from the possibility of increasing corporate earnings and stock prices
- Enjoy income that typically comes through regular dividends
- Enjoy the flexibility that comes with purchasing stock online through Marketconnect® or through a financial consultant
Would you like to have expert guidance on your investment decisions? Our Managed Money Account is designed for anyone who wants a professionally managed and monitored portfolio.
- Get investment options afforded to larger investors
- Open your account with as little as $50,000
- Pay a low annualized management fee
Unit Investment Trusts
Consider Unit Investment Trusts (UITs) for capital appreciation or dividend income in a diversified, static portfolio.
- Access this investment with low purchase minimums of typically 100 units or $1,000
- Know what you are investing in with a fixed investment portfolio and a definitive termination date
- Redeem when the UIT terminates or sell at any time at current market value
Ready to get started?
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Send certificates and correspondence to:
200 S. College St., 11th Floor
Charlotte, NC 28202
What mistakes am I making with my money?
Make sure you're avoiding these pitfalls to create better financial habits.
Everybody wants to have extra cash at the end of the month. Even better if there's enough to add to your savings or to put toward retirement. But in reality, that doesn't always happen.
Here are six common money mistakes you can avoid to create better money habits.
Mistake #1: Spending your whole paycheck
Sometimes it's fun to be a big spender, but you can't do it all the time. Instead, set up automatic withdrawals to a savings account the same day your paycheck goes in. Then, you won't even have to think about saving.
Mistake #2: Buying coffee every morning and eating out too often.
We all have our favorite places to eat, but if you make coffee at home and eat in more often than not, you can easily save a few hundred dollars a month just by living within your means.
Mistake #3: Treating your credit card like another source of income.
Sure, it seems like charging one tank of gas isn't a big deal. But small things add up quickly when you don't pay off your balance every month.
Mistake #4: Having zero financial goals.
Yes, it's important to cultivate friendships, have fun, and to travel. But, think beyond this year. Set some long-term goals and stick to them so you can enjoy what's ahead.
Mistake #5: Failing to meet your 401(k) employer match.
If your boss hands you an extra three percent of your salary, you say "thanks" and take it. That's exactly what happens when your company matches a percentage of what you save toward retirement. So take the maximum your company gives you. Don't leave free money on the table.
Mistake #6: Neglecting to plan for retirement.
Even if your company doesn't have a retirement plan in place, start saving today. The compound interest you earn from starting now can be astronomical compared with what you'll have if you delay.
So avoid these mistakes. Create good money habits now and you'll increase your quality of life today and tomorrow.
How often should I do a financial check-up?
Conducting a mid-year check-up on key financial areas—budget, credit score, retirement savings, life insurance—will allow you to adjust if needed to keep your annual financial goals on track. Here are some important aspects of a financial check-up.
Conducting a financial check-up
Hold your own budget summit
Has your budget changed? Evaluate your spending habits and reset goals if needed. If you got a raise or a new job, maybe you can afford to save more each month. If you don't already have a budget, start one—a mid-year financial check-up still gives you six months to make a difference.
Optimize your tax breaks
Are you taking advantage of opportunities to lower your taxable income by paying into a tax-advantaged retirement account? Are you maximizing contributions to your retirement plan? For example, say you were able to contribute $18,000 in pretax dollars to your 401(k) or 403(b) in 2016. For those aged 50 and older, it's possible to make a catch-up contribution of as much as $6,000, which increases your 2016 total to $24,000.
Get reacquainted with your investments
While it can be good to leave your investments alone, it's also a good idea to review your portfolio once a year. Consider your financial goals and assess risk level compared with the market's year-to-date performance and make any adjustments to keep you on pace with your financial goals.
Revisit insurance coverage
Are the liability limits you have still high enough to protect your assets? If you've done any home improvements or upgrades, consider whether your policy is high enough to replace your home and possessions if needed.
Evaluate your debt
Look at your credit card balances and other loans. Is your balance creeping up? Maybe you need to make some budget adjustments or consider refinancing to lower interest rates.
Estate plans and wills only need to be reviewed every five years or so, but consider making this part of your mid-year financial check-up if a life change has happened, such as marriage, divorce, birth or death. This would also be a good time to look at life insurance and retirement account beneficiary designations to ensure they match the rest of your estate plan.
Doing a mid-year financial check-up might seem like a lot of work, but it will help protect you, your loved ones and everything you've worked hard for.