Money Market Instruments, Treasury Bills, UITs, and Bonds
We can help further diversify your portfolio with money market instruments, treasuries, unit investment trusts, and bonds. A full spectrum of bonds is available through HTLF Investment Services including:

	U.S. Government
	Municipal
	Corporate
	Zero Coupon

Money Market Instruments
A money market instrument is a form of debt that is short-term, typically up to 13 months, and considered short to medium term liquidity. Within the money market banks lend to and borrow from each other. A CD is an example of a money market instrument.

Treasuries
Treasuries make up the majority of the money market instruments. They are a short-term obligation of the U.S. Treasury, having a maturity period of one year or less and sold at a discount from face value. The return the investor receives is the difference between the price paid and the face value at maturity. These forms are relatively low in risk and their liquidity is considered high.

UITs
Unit Investment Trusts (UITs) are a collection of securities, which are packaged together in a trust. Investors have the ability to purchase pieces of the trust (units), which are listed on an exchange and traded similarly to stocks.

Bonds
A bond is a way for corporations to borrow large sums of money. Unlike stocks, as a bondholder you are not an investor of the company you are a creditor. Bonds are low in risk and are a conservative way to invest.

How to Get Started
Regardless of your age or how much you have to invest, the time to get started is now. We’ll help you build your future with confidence.
 
For answers to specific questions or concerns,
email us or call us at 1-563-589-2154 or 1-800 397-2000
 

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