Many people just like you turn to the markets to help buy a home, send children to college, or build a retirement nest egg. But unlike the banking world, where deposits are guaranteed by federal deposit or share insurance, the value of stocks (opens new window), bonds (opens new window), and other securities fluctuates with market conditions. No one can guarantee that you’ll make money from your investments, and they may lose value.
The U.S. Securities and Exchange Commission (SEC) enforces the laws on how investments are offered and sold to you. Protecting investors is an important part of its mission. The NCUA or SEC cannot tell you what investments to make, but the SEC website provides unbiased information to help you evaluate your choices and protect yourself against fraud.