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The investment choices you make depend on your personal situation. Before you invest, you need to consider your goals, time frame, current assets and risk tolerance.
What are your goals and objectives?
The first step in developing a solid savings and investment plan is to decide what you want your money to do for you. When you think about your financial goals, it's important to be as specific as you can. That's because choosing an investment without a specific goal in mind is a little like packing for a vacation before you know whether you're going to Alaska or Hawaii.
Start by making a simple list of all your financial goals. By identifying and prioritizing your goals - such as buying a new home, paying college tuition for your children, and funding a comfortable retirement - you can help ensure that the investments you select are appropriate to achieve your goals.
How much time do you have?
How much money do you have?
How much money do you need?
What kind of investor are you?
Putting it all together
Finding the right investment mix of stock, bond and money market funds can help assure that your portfolio provides the potential to meet all of your short-term and long-term financial goals throughout a lifetime of investing.
Asset allocation can also reduce the volatility of your portfolio and help manage your risk. That's because when you diversify your investments, your financial security isn't tied entirely to the ups and downs of just one investment. Periodic rebalancing of your portfolio will help ensure that you have enough cash on hand to meet short-term needs without disturbing your longer-term stock and bond investments.
Not FDIC insured | May lose value | No bank guarantee
You could lose money by investing in the Money Market Funds. Although each of the Money Market Funds seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. The Funds’ sponsor has no legal obligation to provide financial support to the Funds, and you should not expect that the sponsor will provide financial support to the Funds at any time.
The Money Market Fund and the Municipal Money Market Fund may impose a fee upon the sale of your shares or may temporarily suspend your ability to sell shares if the Fund’s liquidity falls below required minimums because of market conditions or other factors.
An investment in a Fund is not a deposit of a bank and is not insured or guaranteed by the Federal Deposit Insurance Corporation (“FDIC”), any other government agency, or The Northern Trust Company, its affiliates, subsidiaries or any other bank.
Please carefully read the summary prospectus or prospectus and consider the investment objectives, risks, charges and expenses of Northern Funds before investing. Call 800-595-9111 to obtain a summary prospectus or prospectus. The summary prospectus and prospectus contain this and other information about the Funds.
Shares of the Northern Funds are offered only by a current Prospectus and are intended solely for persons to whom shares of US registered funds may be sold. This site shall not constitute an offer to sell or the solicitation of an offer to buy nor shall there be any sale of shares of the Northern Funds in any jurisdiction in which such offer, solicitation or sale would be unlawful.
©2019 Northern Funds | Northern Funds are distributed by Northern Funds Distributors, LLC, not affiliated with Northern Trust.