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SELCO Investment & Retirement Services

Let us help you build a portfolio from our investment options* that will help put you on the right track for what lies ahead. We offer mutual funds, annuities, advisory services, and much more.

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Mutual and Exchange-Traded Funds

Managing investments can be tricky and time-consuming. Let our LPL advisors help you choose and manage your investment fund.1

  • A mutual fund is a professionally managed and diversified investment program.
  • An exchange-traded fund (ETF) is a basket of securities that trades on a public exchange and prices.

Annuities

An annuity could be great for retirement. We can help you pick the type that best fits your needs.

  • Fixed Annuities2 provide a guaranteed interest for a fixed term.
  • Fixed Index Annuities2 are linked to the performance of a stock market index.
  • Variable Annuities2 offer a potential higher rate of return but are susceptible to turbulence.
  • Immediate Annuities generate guaranteed income from the get-go.
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Advisory Services

We offer a combination of advice and oversight.

  • Pay a fee based on a set percentage of your managed assets, not on commission.
  • Get an individualized portfolio and ongoing management.

Stocks and Bonds

We can help you navigate the confusing world of stocks and bonds.

  • With stocks, you're part owner—you have voting rights and a share in the company’s future profits.3
  • Bonds3 provide a higher claim on assets than a stockholder. You also get paid sooner if something happens to the company.
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College Savings Plan (529)

It’s never too early to begin saving for college. Investing a few dollars per month can go a long way.

  • A 529 College Savings Plan4 has no minimum or maximum contribution requirements, and earnings are tax-free when used toward education.
  • Contributions are tax-deductible in some states, including Oregon (up to annual limits).
  • Change your contribution amount up to twice a year. No annual limits or minimum deposits.

Resources

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Plan For Retirement, Especially In Your 20s

Learn how to plan for retirement at an early age. The sooner you get into the habit of saving for retirement, the more time your money has to grow.

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Estimating Your Retirement Income Needs

The simple advice is to set your retirement income as a percentage of your current income. But that approach doesn't account for your specific plans.

Young woman on a laptop.

6 Steps to Prepare for Your (Financial) Future

Small steps and helpful tools—like the right savings account (they’re not all made equal)—can help you get ahead. Here are six small steps you can take.

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Demystifying Financial Terms: APR & APY

Trying to understand APR and APY can be confounding. They aren't simply interest rates but something far more complex. Let us help you figure them out.

LPL Financial Form CRS


Check the background of investment professionals associated with this site on FINRA's BrokerCheck.

* Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. SELCO Community Credit Union and SELCO Investment & Retirement Services are not registered as a broker-dealer or investment advisor. Registered representatives of LPL offer products and services using SELCO Investment & Retirement Services, and may also be employees of SELCO Community Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from, and not affiliates of, SELCO Community Credit Union and SELCO Investment & Retirement Services. Securities and insurance offered through LPL or its affiliates are:

Not Insured by NCUA or Any Other Government Agency Not Credit Union Guaranteed Not Credit Union Deposits or Obligations May Lose Value


SELCO Community Credit Union (“SELCO") provides referrals to financial professionals of LPL Financial LLC (“LPL”) pursuant to an agreement that allows LPL to pay SELCO for these referrals. This creates an incentive for SELCO to make these referrals, resulting in a conflict of interest. SELCO is not a current client of LPL for advisory services. Please visit https://www.lpl.com/disclosures/is-lpl-relationship-disclosure.html for more detailed information.

The LPL Financial registered representative(s) associated with this website may discuss and/or transact business only with residents of the states in which they are properly registered or licensed. No offers may be made or accepted from any resident of any other state.

 

1 Investing in mutual funds involves risk, including possible loss of principal. Fund value will fluctuate with market conditions, and it may not achieve its investment objective. ​ETFs trade like stocks, are subject to investment risk, fluctuate in market value, and may trade at prices above or below the ETF's net asset value (NAV). Upon redemption, the value of fund shares may be worth more or less than their original cost. ETFs carry additional risks such as not being diversified, possible trading halts, and index tracking errors.​

2 Fixed and Variable annuities are suitable for long-term investing, such as retirement investing.  Gains from tax-deferred investments are taxable as ordinary income upon withdrawal. Guarantees are based on the claims paying ability of the issuing company. Withdrawals made prior to age 59½ are subject to a 10% IRS penalty tax and surrender charges may apply.  Variable annuities are subject to market risk and may lose value.​ Fixed Indexed Annuities (FIA) are not suitable for all investors. FIAs permit investors to participate in only a stated percentage of an increase in an index (participation rate) and may impose a maximum annual account value percentage increase. FIAs typically do not allow for participation in dividends accumulated on the securities represented by the index.

3 Stock investing involves risk including loss of principal. Bonds are subject to market and interest rate risk if sold prior to maturity. Bond values will decline as interest rates rise, and bonds are subject to availability and change in price.

4 Prior to investing in a 529 Plan, investors should consider whether the investor's or designated beneficiary's home state offers any state tax or other state benefits such as financial aid, scholarship funds, and protection from creditors that are only available for investments in such state's qualified tuition program. Withdrawals used for qualified expenses are federally tax free. Tax treatment at the state level may vary. Please consult with your tax advisor before investing.​