Investing Terms & Concepts | Redstone Federal Credit Union

Live Brighter®

with the coverage you've earned

Investing Terms and Concepts

Investing doesn't have to be complicated. Learning some basic concepts will help you take the first steps toward a sound investment strategy. We’ve explained some common investing terms to help you live brighter on your investment journey.

  • Evaluating Performance: After your investments are set up, you monitor the investment’s performance. How are they working within your portfolio toward your goal? Talk with your Financial Advisor/Consultant to know what to expect with your investments and statements.
  • Asset Allocation: The mix of certificates, stocks, bonds, and cash in a retirement account. The proportions aim to balance risk and reward based on the investor's goals, risk tolerance, and investment horizon.
  • Compounding: An asset's ability to generate earnings, which are then reinvested in order to generate their own earnings. The more time money has to grow, the more opportunity you have for compounding.
  • Diversification: Mixing different investments to limit financial risk. This is accomplished by spreading money across major asset classes (stocks, bonds, etc.) or different investment options within one asset class (mix of stocks from large and small companies).
  • Rebalancing: Periodically buying or selling assets in your portfolio to maintain your original desired level of asset allocation. Often done annually, it should also be done any time your risk tolerance changes.
  • Investment Risk: All Investments carry some degree of risk. When you invest, investors make choices about what to do with their financial assets. Risk is any uncertainty with respect to their investments that has the potential to negatively affect the investor’s financial welfare.

BrokerCheck FINRA

Regular Share Savings

Minimum Balance to
Open Account


Minimum Balance to
Earn Dividends


Dividends Paid


EVERY Redstone Savings Account includes:

Dividend Rates Icon

Great Dividends Rates

Dividends Paid Quarterly Icon

Dividends Paid Quarterly

Member Support Icon

Outstanding Member Support

Easy Online Banking Icon

Online Banking with easy-to view

NCUA Insurance Icon

Insurance through the NCUA

Do you have questions about investing? We can help. Contact Redstone Brokerage Services to begin shaping your investment strategy.

Redstone 401k appointment scheduling icon

Schedule an appointment. Please call 256-722-8351 or
800-234-1234 ext. 8351

What is a dividend? 

Securities and advisory services offered through LPL Financial, a registered investment advisor member FINRA/SIPC. Insurance products offered through LPL Financial or its licensed affiliates. The investment products sold through LPL Financial are not insured Redstone Federal Credit Union® deposits and are not NCUA insured. These products are not obligations of Redstone Federal Credit Union and are not endorsed, recommended, or guaranteed by Redstone Federal Credit Union or any government agency. The value of the investment may fluctuate, the return of the investment is not guaranteed, and loss of principal is possible.

The services offered within this investment site are available exclusively through our U.S. registered representatives and are available for U.S. residents only. LPL Financial Registered Representatives associated with residents of Alabama and Tennessee. Please note that not all of the investments and services mentioned are available in every state.

RFCU and Redstone Brokerage Services are not registered broker/dealers.  LPL Financial is a separate entity from and not affiliated with RFCU or Redstone Brokerage Services.  RFCU does not warrant, guarantee, or insure any product or service offered by LPL or Redstone Brokerage Services. Redstone Brokerage Services and RFCU do not provide tax advice.  Please consult your tax advisor for your specific questions.

Must be RFCU member to obtain investment products.  Must be eligible for membership and open a share savings account in order to join.  A $5.00 minimum balance is required to open and mus be maintained in share savings account at all times.  Fees and other restrictions may apply.  RFCU and Redstone Brokerage Services are affiliated but separate entities.

Discount of the Month | Redstone Federal Credit Union

Refer a Friend to Redstone Federal Credit Union

Insurance Services | Redstone Federal Credit Union


Join The Redstone Family Today

Are you ready to join the credit union that puts you first? Become a member of the Redstone family and you’ll start enjoying the great rates, personalized financial advice, and excellent customer service Redstone is known for.

X Close