Mutual Funds 

Looking for an investment that provides diversification? Consider a mutual fund.

When you purchase shares of a mutual fund, your dollars are invested in a large number of companies all at once, and your investment risk is spread out over many stocks and companies, not just one.

Mutual funds pool money from a range of small investors, to invest in the market. When you invest in a mutual fund, not only do you get diversification*, but also you benefit from the expertise of professional money managers. Each fund has one or more managers who are trained in money management and review the fund's performance and make up on an ongoing basis.

Mutual funds appeal to many investors because of their liquidity: they are readily available and easy to sell. With mutual funds you can cash in your shares, in all or in part, at any time for the current market value. In this way, you always know that you can get access to your funds should it become necessary.**

Mutual funds offer the opportunity for growth, but also involve certain risks. Over the years, many funds have been proven to perform consistently better than investments made by individuals who may not have the benefit of professional money management, diversification and liquidity***. Therefore, mutual funds are suitable for investing for future needs, like retirement.

To learn more about mutual funds and how they may help you reach your long-term financial goals, visit any F&M Bank branch to speak with a Financial Consultant with the Investment Center at F&M Bank.

For more complete information about mutual fund shares, including charges, expenses, investment objectives, operating policies, and risks, please obtain a prospectus from your Financial Consultant. Please read the prospectus carefully before investing or sending money. Investors should carefully consider the investment objectives, risks, charges and expenses before investing, and that the prospectus contains this and other information about the investment company. Selling shares of the funds may result in a taxable event, in additional to surrender and/or sales charges.  See your tax advisor before engaging in a strategy where selling shares may occur often.

Disclosures

This information is not intended to provide tax advice. Due to the complexity of tax laws, you are strongly encouraged to seek tax advice from a tax professional.

The LPL Financial Registered Representatives associated with this site may only discuss and/or transact securities business with residents of the following states: MI, OH, WI, IA.

Securities are offered through LPL Financial Corporation (LPL Financial).  Member FINRA/SIPC. Insurance is offered through LPL Financial or its affiliate LPL Insurance Associates, Inc.  Insurance may also be offered through UVEST Financial Services Group, Inc. (UVEST). Investment Center at F&M Bank and F&M Bank are not broker/dealers, nor are they affiliated with LPL Financial or UVEST.

NOT FDIC INSURED - ­NO BANK GUARANTEE - MAY LOSE VALUE - NOT A DEPOSIT - NOT INSURED BY ANY FEDERAL GOVERNMENT ENTITY/p>

This site is designed for U.S. residents only. The services offered within this site are available exclusively through our U.S. investment representatives. LPL Financial's U.S. financial consultants may only conduct business with residents of the states for which they are properly registered. Please note that not all of the investments and services mentioned are available in every state.

Financial Industry Regulatory Authority

Securities Investor Protection Corporation