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Dear Teacher,

While money doesn’t grow on trees, it can grow when you save and invest wisely.

Knowing how to secure your financial well-being is one of the most important things you’ll ever need in life. You just need to know a few basics, form a plan, and be ready to stick to it. No matter how much or little money you have, the important thing is to educate yourself about your opportunities. In this brochure, we’ll cover the basics on managing debt and credit, saving and investing, and planning for retirement.

At the SEC, we enforce the federal laws that determine how investments in securities are offered, sold to, and purchased by, you. These laws help protect investors. Part of this brochure also discusses how you can also help protect yourself from fraud.

No one can guarantee that you’ll make money from the investments you make. But if you get the facts about saving and investing and follow through with an intelligent plan, you should be able to gain financial security over the years and enjoy the benefits of smart money management.

Please feel free to contact us with any of your questions or concerns about investing. It always pays to learn before you invest. And congratulations on taking your first step on the road to financial security!

U.S. Securities and Exchange Commission

Office of Investor Education and Advocacy
100 F Street, NE
Washington, DC 20549-0213

Toll-free: 800-SEC-0330
Email: help@sec.gov
Website: Investor.gov/teachers

The Office of Investor Education and Advocacy has provided this information as a service to investors. It is neither a legal interpretation nor a statement of SEC policy. If you have questions concerning the meaning or application of a particular law or rule, please consult with an attorney who specializes in securities law.