Investing 101

Become a smart and empowered investor

Get started building wealth by reviewing these investment topics, understanding the risks, and being vigilant of scams and fraud.

Investment Alerts and Announcements

Romance Scams and Crypto Assets – Fact or Fraud?

Crypto Romance Scams – How they work and how to protect yourself.

Cryptocurrency website wap.pbpb.vip appears to be engaged in fraud against California consumers

The California Department of Financial Protection and Innovation (DFPI) has received a complaint from a California resident regarding wap.pbpb.vip.

Cryptocurrency website wap.brookfields.vip; wap.brookfields.xyz appear to be engaged in fraud against California consumers

The California Department of Financial Protection and Innovation (DFPI) has received a complaint from a California resident regarding wap.brookfields.vip and wap.brookfields.xyz.

Online romance leads to elaborate cryptocurrency fraud

The California Department of Financial Protection and Innovation (DFPI) has received a complaint from a an out of state resident regarding the website wstoptrades .com, also know as Wall Street top trades.

Cryptocurrency website www.stidebprom.vip appears to be engaged in fraud against California consumers

The California Department of Financial Protection and Innovation (DFPI) has received a complaint from a California resident regarding www.stidebprom.vip.

California investor involved in elaborate scam on Metatrader 5 platform

The California Department of Financial Protection and Innovation (DFPI) has received a complaint from a California resident regarding online fraud involving cryptocurrency.

Cryptocurrency website www.quantumfinanex.com appears to be engaged in fraud against California consumers

The California Department of Financial Protection and Innovation (DFPI) has received a complaint from a California resident regarding www.quantumfinanex.com which claims to be a trading platform with a New York address.

Cryptocurrency websites NVEX.io, Konim.com Bihui and Mercatox.com appear to be engaged in fraud against California consumers

The California Department of Financial Protection and Innovation (DFPI) has received a complaint from a California resident regarding cryptocurrency fraud.

California investor falls prey to social media cryptocurrency scam

The California Department of Financial Protection and Innovation (DFPI) has received a complaint from a California resident regarding cryptocurrency fraud.

Cryptocurrency websites https://mxtradingpro.com/ and Nembocoin.com appear to be engaged in fraud against California consumers

The California Department of Financial Protection and Innovation (DFPI) has received a complaint from a California resident regarding https://mxtradingpro.com and Nembocoin.com.

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Start with Clear Investment Goals

There are many financial goals (some of which can overlap) that you can achieve. Here’s a short list of the most popular
and important financial goals that you can strive for when starting your investment journey.

Generational wealth building

Looking to pass down assets to the next generation? That’s building generational wealth and it’s usually passed down in the form of cash, investments, properties, etc.

Learn more by watching our webinar >>>

Income generation

Your primary income is earned through your main career or job. If you want to generate additional income, this can be earned through a side business, royalties, investment, dividends, etc. Be sure to measure the risk of whether you can afford the time, money, or effort these actions require.

Financial security, independence, and freedom

Financial security means having the savings and diversified investments to weather through emergencies or financial hardships.

Financial independence means being able to live comfortably without working because of your savings, passive income, and other investments.

Financial freedom means having such a strong financial foundation that you no longer have to worry about the cost of goods or services.

Financial portfolio diversification

This goal is for people who want to reduce their financial portfolio’s volatility. It may help increase returns and reduce risks, depending on market volatility. Always talk to a licensed financial planner or investment advisor first about diversification strategies.

Retirement planning

When you retire, if you want to have supplemental income to your monthly Social Security income, advanced planning is incredibly important. Common retirement planning includes participating in a 401(k), 403(b), or 457(b) through your workplace. However, if you’re a Californian without access to these plans, you can open a retirement savings account with a financial institution or via CalSavers.

Education funding

If your goal is to save for your child’s future education or vocational training, there are a variety of college savings plans to choose from, known as 529 plans and many are even tax-free. For more information, check out ScholarShare 529, California’s 529 savings program.

Understand Important Investment
Terms and Regulations

Whether you’re new to investing or have an established portfolio, there’s always room to know
more. Learn about the fundamentals and get help if you suspect illegal practices.

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Buying and Selling

The strategy and activity of buying an investment at a low cost and selling it when its value increases.

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Laws

Investor protection laws in place in the United States designed to protect investors from fraud and abuse.

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Market Volatility

The rise and fall of market prices and investments which is related to investing risks.

Explore the Different Investment Products

Every investment product is different and has its pros and cons. Get the details to help decide which investment product is right for your wealth-building goals. Learn more about how they can bring investor education to your community.

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Annuities

Learn the different types and whether they’re right for you.

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Options, Futures, & Commodities

Learn the basics, benefits, and potential risks.

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Bank Products

Compare the differences between CDs, Money Market, and High-Yield savings accounts.

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Real Estate

Understand how it can affect your financial goals.

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Crypto Assets

Find out how they work and what the risks are.

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Securities

See which product fits your investment strategy.

Do Your Own Research

By understanding what you’re putting your money into,
you can make informed decisions and avoid unnecessary risks.

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Know the Taxes Associated with Investing

Find out how taxes may affect your investments, wealth, financial planning, and goals.

Learn more about taxes >>

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Strengthen Your Knowledge About Financial Service Providers and Fees

Learn the costs of certain investments and where you can turn for guidance.

Learn more >>

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Learn About Investment Fraud, Scams, and Risks

Protect yourself from some of the most common investment scams and fraud. Learn about the other risks associated with investing.

Learn more >>

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Three Tips for Choosing an Investment Advisor

Use these tips to help you find the right investment advisor for your investment goals.

1

Know your goals

If you know your investment goals, then you can better narrow down the type of investment or financial advisor that’s right for you. Spend some time thinking about your goals and research related topics to help start making a game plan.

2

Talk to multiple advisors

Don’t hire the first person you speak to! It’s best to get a feel for the plans different advisors would make for you and how those plans will work with your finances and goals.

3

Do your own research

If you’re considering a specific advisor, don’t hire them without verifying their credentials. You can verify licenses and/or registrations with the DFPI, the SEC, or FINRA.

Watch & Learn

Tune in for the latest videos, webinars and workshops.

Do Your Own Research – Start With DFPI

Protect your money. Know your rights. Do your own research.

At the DFPI, we believe the more information you have, the more empowered you can be. We work hard to provide Californians with financial education, fraud and scam alerts, resources, and tools to help them make smart financial choices.

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