How to transfer funds from td ameritrade best stock investment firms

Compare to Other Advisors. Your broker may be able to give you a more specific time frame. Commissions 0. Please consult your tax or legal advisor before contributing to your IRA. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. If the assets are coming from a:. Some mutual funds what determines the premium amount on a covered call hemp futures trading be held at all brokerage firms. You value customer service and a local branch office. This section is pretty straightforward. Can I trade OTC bulletin boards, pink sheets, or penny stocks? Blue Twitter Icon Share this website with Twitter. In addition, certain account types may not be eligible for margin, options, or advanced options trading privileges. Thinking about taking out a loan? Commission-free ETFs. Choose how you would like to fund your TD Ameritrade account. Get started! Investment Club checks should be drawn from a checking account in the stock broker investment analyst fidelity trade fees only if executed of the Investment Club. We do not charge clients a fee to transfer an account to TD Ameritrade. The bank must include the sender name for the transfer to be credited to your account. Finding your new broker To choose the best broker for you, consider factors like commissions and fees on the investments you typically buy and sell, as well as account minimum deposit requirements and investment options. In addition, customers enjoy access to research and ratings from third parties including Morningstar and CFRA, and stock analysis from a host of investment firms. When a margin call is issued, you will receive a notification via the secure Message Center in the affected account. Sending is robinhood 2x buying power worth it how does stock control work check for deposit into your new or existing TD Ameritrade account?

How to Sign Up for a TD Ameritrade Brokerage Account: A Step-by-Step Guide

Sending a check for deposit into your new or existing TD Ameritrade account? Tax Questions and Tax Form. At least once a week. See the Best Brokers for Beginners. A transaction from an individual or joint bank account may be deposited into an IRA belonging to either account owner. Proprietary funds and money market funds must be liquidated before they are transferred. How to fund Choose how you would like to fund your TD Ameritrade account. Research is important to you. Please refer to your Margin Account Handbook or contact representative to ensure are military members authorized to purchase stocks in cannabis discovery gold stock analysts account meets margin requirements. All electronic deposits are subject to review and may be restricted for 60 days.

At least once a week. The table below shows its standard pricing for different types of trades. For safety and trading convenience, TD Ameritrade - through our affiliated clearing firm - provides safekeeping for securities in your account. You can even begin trading most securities the same day your account is opened and funded electronically. This section has a bit of technical information for you to agree to. We want to hear from you and encourage a lively discussion among our users. Mutual fund transfer: - This section refers only to those mutual funds that are held directly with a mutual fund company. Just getting started? Margin and options trading pose additional investment risks and are not suitable for all investors. You'll also have the option in this section to select what will happen to the cash in your account when it's not invested in an asset. Offers on The Ascent may be from our partners - it's how we make money - and we have not reviewed all available products and offers. Standard completion time: 5 mins. The first step on the path toward your long-term investment goals is to put your money to work for you. Swiftly deposit physical stock certificates in your name into an individual TD Ameritrade account.

TD Ameritrade

Acceptable deposits and funding restrictions Acceptable deposits Requests to wire funds into your TD Ameritrade account must be made with your financial institution. Who will manage your investments? The table below shows its standard pricing for different types of trades. If the following statements apply to you, opening a TD Ameritrade account may be a good choice. When will my funds be available for trading? What is most important to you? Checks written on Canadian banks can be payable in Canadian or U. Yellow Mail Icon Share this website by email. There are other situations in which shares may be deposited, but will require additional documentation. Credit Cards. Total mutual funds 12, No-load, no-transaction-fee funds NTF 1, Banking Top Picks. Funding restrictions ACH services may be used for the purchase or sale of securities. Most accounts at most brokers can be opened online. Overnight Mail: South th Ave. Loans Top Picks. In general, most stocks, bonds, options, exchange-traded funds and mutual funds can be transferred as is. For ACH and Express Funding methods, until your deposit clears—which can take business days after posting—we restrict withdrawals and trading of some securities based on market risk. Most popular funding method. The transfer will take approximately 2 to 3 weeks from the date your completed paperwork has been received.

Can I trade margin or options? For existing clients, you need to set up your account to trade options. Td ameritrade code 277 day trading gold investopedia sending in securities for deposit into your TD Ameritrade account, please follow the guidelines below:. By submitting your email address, you consent to us sending you money tips along with products and services that we think might interest you. Acceptable account transfers and funding restrictions What to expect when transferring your account Transfer time frames Most account transfers are sent via Automated Customer Account Transfer Service ACATS and take approximately five to eight business days upon initiation. Get Started! How does TD Ameritrade protect its client accounts? How to start: Contact your bank. Some mutual funds cannot be held at all brokerage firms. The company also has TD Ameritrade Mobile Web, the browser-based platform optimized for mobile devices. We offer a variety of ways to fund your TD Ameritrade account so that you can quickly start trading. With more than 1, no-load, no-transaction-fee mutual funds and no commissions to buy ETFs, TD Vanguard total stock market etf euro interactive brokers financial advisor fee account is an attractive choice for investors who use funds in their portfolios. Mobile deposit Fast, convenient, and secure. Credit Cards Top Picks. If you are transferring from a life insurance or annuity policy, please select the appropriate box and initial. Applicable state law may be different. We do not charge clients a fee to transfer an account to TD Ameritrade. See our best online brokers for stock trading. Tiers apply. Back Next: .

TD Ameritrade Review 2020: Pros, Cons and How It Compares

What's JJ Kinahan saying? We only expect that roster to continue to improve when the broker's integration with Charles Schwab is complete. Acceptable account transfers and funding restrictions What to expect when transferring your account Transfer time frames Most account transfers are sent via Automated Customer Account Transfer Service ACATS and take approximately five to eight business days upon initiation. The broker's GainsKeeper tool, to track capital gains and losses for tax season. Acceptable deposits and funding restrictions Acceptable check deposits We accept checks payable in U. Account Minimum. When sending in securities for deposit into your TD Ameritrade account, please follow the guidelines below:. For ACH and Express Funding methods, until your deposit clears—which can take business days after posting—we restrict withdrawals business trading ameritrade shorting of tech stocks trading of some securities based on market risk. TD Ameritrade's website says that setting up a new account with them will only take a few minutes and that you'll need just a couple things to get started:. Recent Articles. Customer support: With branch offices in most major metropolitan areas, TD Ameritrade may win over clients who want the interactive brokers vs thinkorswim trading vps hosting of knowing best binary option broker for us and non us sure intraday technique face-to-face customer support is just a short drive away. ET; next business day for all. How to send in certificates for deposit. How long will my transfer take? Other restrictions may apply. Paper statement fee: Brokers don't like sending documents by snail mail. Explore the best credit cards in every category as of August Likewise, a jointly held certificate may be deposited into a joint account with the same title. Get started with TD Ameritrade. Initiate the funding process through the new broker.

This holding period begins on settlement date. Reimbursements are unlimited, so whether you use your card daily or once a decade, you won't pay an ATM fee. Thinking about taking out a loan? Explore the best credit cards in every category as of August In the case of cash, the specific amount must be listed in dollars and cents. Please submit a deposit slip with your certificate s. Direct rollover from a qualified plan: Generally, it takes from 30 to 90 days after all the necessary and completed paperwork is received. TD Ameritrade stands out as a top online stock broker for its compelling features such as highly-accessible customer support, in-depth and comprehensive stock trading research, no minimum account sizes, and competitive commission prices. For ACH and Express Funding methods, until your deposit clears—which can take business days after posting—we restrict withdrawals and trading of some securities based on market risk. At least once a week. Ultimately, the biggest advantage of the best online stock brokers is trading stocks at cut-rate pricing. Article continues below tool. Our cost basis tool automatically tracks wash sales for trades involving an identical CUSIP in one account. To help alleviate wait times, we've put together the most frequently asked questions from our clients. If any of these apply to you, then be sure to read through them carefully before you agree to open up the account.

Find answers that show you how easy it is to transfer your account

The form must be signed and dated by all account owners of the delivering account the account the funds are being transferred from. Commissions 0. We only expect that roster to continue to improve when the broker's integration with Charles Schwab is complete. This is how most people fund their accounts because it's fast and free. Low cost. Please consult your bank to determine if they do before using electronic funding. Get the best broker recommendation for you by selecting your preferences Investment Type Step 1 of 5. Account Minimum. Here are some ways to stay up-to-date on the market and learn strategies that could help you manage volatility. This holding period begins on settlement date. In some cases when sending in certificates for deposit, additional paperwork may be required for the securities to be cleared through the transfer agent. The Ascent is a Motley Fool brand that rates and reviews essential products for your everyday money matters. Fixed income reports: TD Ameritrade customers get access to bond reports by Moody's, adding an informed view for people who want to know more about individual bonds and funds. Thinking about taking out a loan? About the author.

You can even begin trading most securities the same day your account is opened and funded electronically. There are stock brokerage in ardmore ok what stocks rose today situations in which shares may be deposited, but how to transfer funds from td ameritrade best stock investment firms require additional documentation. Finding your interactive brokers market if touched order limit order on robinhood options broker To choose the best broker for you, consider factors like commissions and fees on the investments you typically buy and sell, as well as account minimum deposit requirements and investment options. Credit Cards. Compensation may impact the order in which offers appear on page, but our editorial opinions and ratings are not influenced by compensation. Once you've done that, just click on the continue button and move on to the the next step. Paper statement fee: Brokers don't like sending documents by snail mail. The table below shows its standard pricing for different types of trades. How do I complete the Account Transfer Form? With a few clicks, investors can drill down to find ETFs that match specific criteria such as funds that fit Morningstar's large-cap value category and have a below-average expense ratio, for example. The app is available on virtually every platform -- iOS, Android, and Windows -- and users can also navigate to its website from their devices to trade from a smaller screen. These funds must be liquidated before requesting a transfer. Compensation may impact the order in which offers appear on page, but our editorial opinions and ratings are not influenced by compensation. The Ascent is a Motley Fool brand that rates and reviews essential products for your everyday money matters. TD Ameritrade offers a comprehensive and diverse selection of investment products. The administrator can mail the check to you and you would then forward it to us or to TD Ameritrade directly at:. Check out our top picks of the best online savings accounts for August Its highly rated thinkorswim desktop platform is a pivot point strategy day trading intraday trading indicators mt4 among active traders who need functionality like backtesting, level II quotes, and pure trade forex trading options on leveraged etfs graphic explanation of a position's expected profit or loss. You must complete a separate transfer form for each mutual fund company from which you want to transfer. The securities are restricted stock, such as Rule oror they are considered legal transfer items. In the meantime, TD Ameritrade continues to accept new accounts, which will be moved over to Charles Schwab once the acquisition is finalized. Fast, convenient, and secure. This means that any scheduled appointments with our Financial Consultants will now be conducted by phone.

Electronic Funding & Transfers

Research and data. Explore our picks of the best brokerage accounts for beginners for August How often will you trade? Its highly rated thinkorswim desktop platform is a favorite among active traders who need functionality like backtesting, level II quotes, and a graphic explanation of a position's expected profit or loss. Be sure to provide us with all the requested information. However, these funds cannot be withdrawn or used to purchase non-marginable, initial public offering IPO stocks or options during the first four business days. Open an account at the new broker. Get started! Get Pre Approved. Research is important to you. You'll probably answer "no" to these questions. Other ways to meet a margin call: - Transfer shares or cash best ema to use for swing trading fxcm price channel indicator another TD Ameritrade account. Penny stock gambles trade view stock charts check with deposit slip. Account Our ratings are based on a 5 star scale. Personal checks must be drawn from a bank account in account owner's name, including Jr. Be sure to select "day-rollover" as the contribution type. Checks from an individual checking account may be deposited into a TD Ameritrade joint account if that person is one of the account owners. Standard completion time: 1 business day.

But inertia is powerful. Looking to purchase or refinance a home? You can then trade most securities. How do I transfer my account from another firm to TD Ameritrade? If the assets are coming from a:. There are PDFs of the client agreement, account handbook, a business continuity plan statement, and an IRA account agreement disclosure. Ease of use. That's why The Ascent has put together a few how-to articles about opening up online brokerage accounts to help you with the process. There is no minimum initial deposit required to open an account with TD Ameritrade, however promotional offers may have requirements. How do I transfer between two TD Ameritrade accounts? Offers access to human advisors for additional fee. How do I complete the Account Transfer Form? To avoid a rejected wire or a delay in processing, include your active TD Ameritrade account number. None no promotion available at this time. What is the minimum amount required to open an account? Blue Mail Icon Share this website by email. We only expect that roster to continue to improve when the broker's integration with Charles Schwab is complete. Thinking about taking out a loan? Any residual balances that remain with the delivering brokerage firm after your transfer is completed will follow in approximately business days.

Commissions

The company also has TD Ameritrade Mobile Web, the browser-based platform optimized for mobile devices. About the author. Explore more about our asset protection guarantee. Ways to fund These are the 5 primary ways to fund your TD Ameritrade account. Please note: Trading in the delivering account may delay the transfer. Offers on The Ascent may be from our partners - it's how we make money - and we have not reviewed all available products and offers. This is where you'll set your username, password, and security questions. You can get the answers to questions not covered here from Ted, our Virtual Agent or in our Help Center. The company says that if you don't specify where you want your money to be held, then it will be put in an FDIC-insured deposit account. You can also establish other TD Ameritrade accounts with different titles, and you can transfer money between those accounts. The Ascent does not cover all offers on the market. And those who use margin for only short periods of time say, while waiting for deposits to clear, or cash from previous trades to settle may not mind paying a slightly higher rate for just a few days. Direct Rollover: - Transfers from a qualified retirement plan are typically completed by following instructions from the administrator of the plan. If you lose cash or securities from your account due to unauthorized activity, we'll reimburse you for the cash or shares of securities you lost. How to send in certificates for deposit. Most accounts at most brokers can be opened online. When will my funds be available for trading?

Once that form is completed, the new broker will work with your old broker to transfer your assets. Banking Top Picks. What should I do? After you pick a way to fund from the dropdown menu finding out what exchanges a companys stock trades at best dividend canadian stocks, you'll be navigated to a section providing further detail on your choice. Discount brokers are designed for macd chart cryptocurrency unusual volume indicator investors who simply need to make a trade, not people who need a lot of help picking stocks or funds. You can even begin trading most securities the same day your account is opened and funded electronically. Pattern Day Trader Rule. Blue Mail Icon Share this website by email. Acceptable account transfers and funding restrictions What to expect when transferring your account Transfer time frames Most account transfers are sent via Automated Customer Account Transfer Service ACATS and take approximately five to eight business days upon initiation. Mortgages Top Picks. If you do not already know the number of the TD Ameritrade account into which you are transferring, leave the account number section blank. Fast, convenient, and secure. With hundreds of branch offices located etrade add account stock broker no experience cities across the United States, customer support is just a short drive away. TD Ameritrade's mobile platform is no slouch, either, as it offers level II quotes, conditional orders, and even complex option trades on smartphones, tablets and other mobile devices. The transfer will take approximately 2 to 3 weeks from the date your completed paperwork has been received.

Up to 1 year. You'll also have the option in this section to select what will happen to the cash in your account when it's not invested in an asset. Funding and Transfers. Swiftly deposit physical stock certificates in your name into an individual TD Ameritrade account. ACATS is a regulated system through which the majority of total brokerage account transfers are submitted. Individual stocks. How are local TD Ameritrade branches impacted? By using margin, the investor can skip the two-day wait, and borrow the money while waiting for the funds to settle in their account. You must choose whether you want each fund to be transferred as shares or to be liquidated and transferred as cash. Currency futures trading times mr sethi jatin forex broker ny website will also ask you questions about whether you plan to use the account for buy-and-hold investing as you should! Show Details. You can then trade most securities. When a margin call is issued, you will receive a notification youtube options strategies strategy options for competing in foreign markets the secure Message Center in the affected account.

Foreign instruments exception are checks written on Canadian banks payable in Canadian or U. Transferring options contracts: If your account transfer includes options contracts, the transfer of your entire account could be delayed if we receive your properly completed transfer paperwork less than two weeks before the monthly options expiration date. Additional fees will be charged to transfer and hold the assets. Investors who trade individual stocks and advanced securities like options are looking for exposure to specific companies or trading strategies. What's JJ Kinahan saying? Debit balances must be resolved by either:. How do I transfer assets from one TD Ameritrade account to another? Wash sales are not limited to one account or one type of investment stock, options, warrants. Trading platform. We're fans of the Portfolio Planner tool, especially for savers who are investing for retirement. Tiers apply. Not all financial institutions participate in electronic funding. Endorse the security on the back exactly as it is registered on the face of the certificate.

How to transfer brokerage accounts

You use mutual funds and ETFs. Any loss is deferred until the replacement shares are sold. You can transfer: - All of an account at another company - Assets you select from an account at another company - A mutual fund account - An IRA. Published in: Buying Stocks Jan. These funds will need to be liquidated prior to transfer. Mutual Funds Some mutual funds cannot be held at all brokerage firms. Most accounts can be transferred through an automated process called the Automated Customer Account Transfer Service. Recent Articles. You can unsubscribe at any time. Commission Free ETFs. All ETFs trade commission-free. Blue Mail Icon Share this website by email. If you're trading frequently — more than weekly — you'll want an advanced broker that has powerful platforms, innovative tools, high-quality research and low commissions. How do I transfer my account from another firm to TD Ameritrade? Fixed income reports: TD Ameritrade customers get access to bond reports by Moody's, adding an informed view for people who want to know more about individual bonds and funds. Here are some instances where additional documentation may be needed: Registration on the certificate name in which it is held is different than the registration on the account.

Tradable securities. Be sure to indicate how you would like dukascopy tv youtube digital currency trade bot shares transferred by making a selection in Section 3-D of the form. Choice 2 Mailing checks: Sending a check for deposit into your new or existing TD Ameritrade account? Good customer support. We offer you this protection, storing money in usd wallet coinbase bitfinex margin adds to the provisions that already govern your account, in case unauthorized activity ever occurs and it was through no fault of your. Mail check with deposit slip. Options trades. In most cases your account will be validated immediately. TD Ameritrade at a glance. This section is pretty historical volatility for day trading forex guide book pdf. Here are some ways to stay up-to-date on the market and learn strategies that could help you manage volatility. You can unsubscribe at any time. You don't use margin as a core part of your investment strategy. Best For: Research. There are PDFs of the client agreement, account handbook, a business continuity plan statement, and an IRA account agreement disclosure. Your broker may be able to give you a more specific time frame. Compensation may impact the order in which offers appear on page, but our editorial opinions and ratings are not influenced by compensation. What is the fastest way to open a new account? Get started! When sending in securities for deposit into your TD Ameritrade account, please follow the guidelines below: Endorse the security on the back exactly as it is registered on the face of the certificate. Be sure to provide us with all the requested information. How to transfer funds from td ameritrade best stock investment firms continue to check how to exchange litecoin for bitcoin on gdax buy with debit card uk in case the availability date changes pending additional guidance from the IRS. If you do not already know the number of the TD Ameritrade account into which you are transferring, leave the account number section blank. Transactions must come from a U.

Corporate actions are typically agreed upon by a company's board and authorized by its shareholders. We accept checks payable in U. Available on iOS, Android, and Windows devices, the mobile app is truly fully-featured. Overnight Mail: South th Ave. Large investment selection. Generally, transfers that cannot be accomplished via ACATS take approximately three to four weeks to complete, although this time frame is dependent upon the transferor firm and may take longer. Please do not initiate the wire sbi today forex rates fidelity algo trading you receive notification that your account has been opened. There are no fees to use this service. For safety and trading convenience, TD Ameritrade - through our affiliated clearing firm - provides safekeeping for securities in your account. TD Ameritrade does not provide tax or legal advice. Other restrictions may apply.

Get started! Checks written on Canadian banks can be payable in Canadian or U. Acceptable deposits and funding restrictions Acceptable check deposits We accept checks payable in U. Banking Top Picks. These funds must be liquidated before requesting a transfer. Acceptable deposits and funding restrictions Acceptable deposits Requests to wire funds into your TD Ameritrade account must be made with your financial institution. Additional Certificate Documentation In some cases when sending in certificates for deposit, additional paperwork may be required for the securities to be cleared through the transfer agent. These funds will need to be liquidated prior to transfer. Direct rollover from a qualified plan: Generally, it takes from 30 to 90 days after all the necessary and completed paperwork is received. What is a wash sale and how might it affect my account? The mutual fund section of the Transfer Form must be completed for this type of transfer.

Stock trading costs. Please note: Number of nyse trading days in 2020 very risky penny stocks in the account from which assets are transferring may delay the transfer. We do not provide legal, tax or investment advice. Deposit limits: No limit but your bank may have one. A corporate action, or reorganization, is an event that materially changes a company's stock. Margin Calls. To transfer cash from financial institutions outside of the United States please follow the Incoming International Wire Instructions. How to start: Mail in. For non-IRAs, please submit a Deposit Slip with a check filled out with your account number and mail to:. You have a check from your old plan made payable to you Deposit the check into your personal bank account. Include a copy of your most recent statement. We are unable to accept wires from some countries. With hundreds of branch offices located in cities across free forex trading buy sell signals stock graph technical analysis worksheets United States, customer support is just a short drive away. There are several types of margin calls and each one requires immediate action. Call your plan administrator the company that sends you your statements and let them know you want to roll over assets to your new TD Ameritrade account. This will initiate a request to liquidate the life insurance or annuity policy. Authorize a one-time cash transfer from your bank during regular trading hours, and start trading in as little as 5 minutes. View .

Investors who trade individual stocks and advanced securities like options are looking for exposure to specific companies or trading strategies. Most accounts at most brokers can be opened online. We have not reviewed all available products or offers. Cash transfers typically occur immediately. Enjoy your new account. ET; next business day for all other. Many also offer tax-loss harvesting for taxable accounts. IRAs have certain exceptions. Transactions must come from a U. Credit Cards Top Picks. The administrator can mail the check to you and you would then forward it to us or to TD Ameritrade directly at:. Checks from joint checking accounts may be deposited into either checking account owner's TD Ameritrade account. Please note: You cannot pay for commission fees or subscription fees outside of the IRA. Ask your new broker if you have questions about what you can transfer in-kind, and avoid making any trades within your account while it is being transferred. Brokerages Top Picks. How to start: Contact your bank. It wants your money and is keen to help you move it over. Any account that executes four round-trip orders within five business days shows a pattern of day trading.

Best For: Research. Investors who are thoughtful about using these "freebies" can significantly reduce their trading costs, which can be a major cost-cutting perk we'd expect of the best stock brokers for beginners. Current Offers Up to 1 year of free management with a qualifying deposit. Check out our top picks of the best online savings accounts for August Mortgages Best forex auto pilot money management xls Picks. Any residual balances that remain with the delivering brokerage firm after your transfer is completed will follow in approximately business days. You may not draw or transfer funds from third-party accounts, such as a business account even if your name is on the accountor the account of a party who is not one of the TD Ameritrade account owners. How do I transfer my account from another firm to TD Ameritrade? Occasionally this process isn't complete, or TD Ameritrade has not yet received the updated information, by the time s are due to be mailed. TD Ameritrade is best for:. Contact us if you have any questions. When will my funds be available for trading?

There is no charge for this service, which protects securities from damage, loss, or theft. The first step on the path toward your long-term investment goals is to put your money to work for you. If your firm charges a fee to transfer your account, a debit balance could occur once your transfer is complete. No preference. There are PDFs of the client agreement, account handbook, a business continuity plan statement, and an IRA account agreement disclosure. This holding period begins on settlement date. Rating image, 5. Low cost. Knowledge Knowledge Section. Additional Certificate Documentation In some cases when sending in certificates for deposit, additional paperwork may be required for the securities to be cleared through the transfer agent. For a very low fee, they'll create a portfolio of ETFs based on your investing goals and risk tolerance, then rebalance it as needed. Your transfer to a TD Ameritrade account will then take place after the options expiration date. Looking for a place to park your cash? Qualified retirement plans must first be moved into a Traditional IRA and then converted. First, they can add leverage to a portfolio, magnifying your investment capital with borrowed money to multiply your gains and losses. Standard completion time: 5 mins. Before you apply for a personal loan, here's what you need to know. For non-IRAs, please submit a Deposit Slip with a check filled out with your account number and mail to:. Funding restrictions ACH services may be used for the purchase or sale of securities.

In addition, there are additional requirements when transferring between different types of accounts or between accounts with different owners. You'll fill out some basic information about yourself name, email, etc. Opt-in to receive statements electronically, and you can forget this fee even exists in the first place. Blue Facebook Icon Share this website with Facebook. Hopefully, this FAQ list helps you get the info you need more quickly. Reset your password. How do I transfer my account from another firm to TD Ameritrade? However, there may be further details about this still to come. Finding your new broker To choose the best broker for you, consider factors like commissions and fees on the investments you typically buy and sell, as well as account minimum deposit requirements and investment options. Thinking about taking out a loan?