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Investment Basics & Services


Investment Basics

Learn more about the building blocks of developing a financial plan and more.

Types of mutual funds

Many types of mutual funds are out there for you to invest in. But choosing an investment really depends on some key criteria: your investment objective, your current income, your age, and your risk tolerance level.

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Understanding Risk & Diversification

There is no opportunity without risk. When you invest, you have to be prepared for risk. There is simply no avoiding it. But there is a way to minimize risks to a level you can tolerate.

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What Is Asset Allocation and Why Is It Important?

Asset allocation is the collection of investments that you own – and it is distinctly yours. It is a personalized plan designated to meet your individual goals.

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Investment Services

Opening an account and investing with us is easy. Whether it's for retirement, a home or a nest egg, we can help.

How to invest with us

Easy instructions for opening a mutual fund account or a BNY Mellon Brokerage Account.

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Automatic investing

Dollar-cost averaging through an automatic investing program offers investors an alternative approach, allowing them to enter the market gradually—and perhaps with less risk.

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BNY Mellon Brokerage Services

Offers the BNY Mellon Brokerage Acccount, a full-service brokerage account designed to help you take control of your financial future.

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BNY Mellon Advisor Services

A personalized asset management service for investors with a minimum of $100,000 or more in investable assets.

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BNY Mellon Managed Asset Program 

A wrap-fee, investment advisory program, providing a comprehensive disciplined strategy for helping you achieve your long-term goals.

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This material has been distributed for informational purposes only and should not be considered as investment advice or a recommendation of any particular investment, strategy, investment manager or account arrangement, and should not serve as a primary basis for investment decisions. Please consult a legal, tax or financial professional in order to determine whether an investment product or service is appropriate for a particular situation.

The BNY Mellon Brokerage Account is offered by BNY Mellon Brokerage Services. BNY Mellon Brokerage Services and BNY Mellon Advisor Services are divisions of BNY Mellon Securities Corporation, a member of FINRA and SIPC.

Minimum account balance for BNY Mellon Managed Asset Program Mutual Fund Series is $25,000. Equity separate account portfolios within the Customized Investment Series require a $100,000 minimum. BNY Mellon Municipal Bond Series national portfolios require a $300,000 minimum and state specific portfolios require a $500,000 minimum.