About This Newsletter

Individual Investor is our free monthly e-newsletter.

Individual Investor offers you informative and actionable ideas, research and products from TD Ameritrade and independent third-party sources, among them Morningstar^®, Standard & Poor's and SmartMoney. The articles cover a range of topics, including markets and the economy; financial products such as stocks, bonds, mutual funds and ETFs; and objective guidance to help with your financial planning.

We'll highlight some of the helpful tools and resources that you can use for developing your strategy and assessing your portfolio. They include the TD Ameritrade Premier List powered by Morningstar Associates, with pre-screened mutual funds in more than 30 categories; Portfolio Planner, which can help you monitor, analyze and rebalance your portfolio; our Bond Wizard can help you find bonds suited to your specific situation, or help you build a bond ladder; and our Retirement Center, which provides a comprehensive base from which to help you plan your future.

You'll also find various commentaries and Q&As from third-party strategists, economists and CEOs, who will examine current events, present their views and discuss their approaches to financial planning.

Our goal is to bring together some of the brightest minds around to provide you with timely news and information, uncover new possibilities and help keep you well informed as you make investing decisions.

Market volatility, volume, and system availability may delay account access and trade executions.

Research and planning tools are obtained by unaffiliated third party sources deemed reliable by TD Ameritrade. However, TD Ameritrade does not guarantee accuracy and completeness, and makes no warranties with respect to results to be obtained from their use.

TD Ameritrade and the companies mentioned above are separate and unaffiliated, and are not responsible for each other's policies or services.

The information and data about mutual funds, including those funds selected for the Premier List have been provided by Morningstar Associates, LLC. Particular mutual funds on the Premier List may not be appropriate investments for you under your circumstances, and there may be other mutual funds or investment options offered by TD Ameritrade that are appropriate. Past performance is no guarantee of future results. Morningstar Associates, LLC, is a registered investment advisor and wholly-owned subsidiary of Morningstar, Inc. The Morningstar name and logo are registered marks of Morningstar, Inc. Morningstar, Inc. and its affiliates are not related to TD Ameritrade and its affiliates.

Before investing in an ETF, be sure to carefully consider the fund's objectives, risks, charges, and expenses. For a prospectus containing this and other important information, please click on the prospectus link. Please read the prospectus carefully before investing.

ETFs are baskets of securities that may track a sector-specific, country-specific, or a narrow/broad-market index. ETFs trade on an exchange like a stock. ETFs are subject to risks similar to those of their underlying securities, including, but not limited to, market, sector, or industry risks, and those regarding short selling and margin account maintenance. Commission fees typically apply.

Diversification does not assure a profit or protect against loss.

Steady and reliable income is subject to the credit risk of the issuer of the bond. If an issuer defaults, no future income payments will be made.

Market volatility, volume, and system availability may delay account access and trade executions.

Fixed-income investments are subject to various risks including changes in interest rates, credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors. For further details, please consult with our Fixed Income Specialists at 800-934-4445.

Interest income on Municipal Bonds may be subject to the Alternative Minimum Tax and state and local taxes. Discount bonds may be subject to capital gains tax.

International investments involve special risks, including currency fluctuations and political and economic instability.

All articles are reprinted with permission from respective third parties. TD Ameritrade and all third parties named are separate and unaffiliated and are not responsible for each other's policies or services. TD Ameritrade does not necessarily endorse or support any of the financial or investment information, advice, opinions, companies, products, or services mentioned.

TD Ameritrade does not provide tax advice. We suggest that you seek the advice of a tax-planning professional with regard to your personal circumstances.

TD Ameritrade, Inc., member FINRA/SIPC/NFA. TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company, Inc. and The Toronto-Dominion Bank. © 2011 TD Ameritrade IP Company, Inc. All rights reserved. Used with permission.

Market volatility and system availability may delay account access and trade executions. Options involve risk and are not suitable for all investors. Before trading options, carefully read Characteristics and Risks of Standardized Options. http://www.theocc.com/about/publications/character-risks.jsp. Contact TD Ameritrade for a copy as well. Investools, Inc. does not provide financial advice and is not in the business of transacting trades. Investools, Inc. and TD Ameritrade, Inc. are separate but affiliated companies that are not responsible for each other's services or policies.