PNC Investments
Tools & Resources

What is an IRA?

The two main types of IRAs are Traditional and Roth IRAs. Traditional IRAs allow you to make a tax-deferred yearly contribution. For persons who are age 50 or older, a special catch-up provision allows you to contribute an additional $1,000. This account grows tax-deferred until you begin to take distributions, which you can do after you turn age 59-1/2. Roth IRAs require you to pay income taxes in the year that you make the contribution. Roth IRAs grow tax-deferred, and if you keep the account for at least five years and are at least 59-1/2, the entire account can be distributed tax- and penalty-free.

What is a Managed Account?

These accounts are managed on your behalf by a registered investment advisor, offering customization and convenience.

What is Financial Planning?

Developing a road map to help achieve an investor’s goals, ranging from short-term income needs to long-term retirement planning.

What is Asset Allocation?

Implementing a risk adjusted portfolio strategy to help meet an investor’s personal financial objectives.

What is Investment Selection?

Creating a diversified portfolio of specific investment vehicles customized to the individual investor.

What is Rebalancing?

Adjusting portfolios over time to help manage risk and returns.

A PNCI Financial Advisor will work alongside you to help you understand your short-term needs, long-term goals, time horizon, tolerance for risk and more. This is the foundation of the PNCI financial planning process, allowing your Financial Advisor to provide personalized investment advice, and helping you to make informed decisions.

Your PNC Investments Financial Advisor will work alongside you to:

• Help you identify and define your financial goals and priorities.
• Make your financial success priority by placing your goals first and foremost
• Help you understand the challenges you face by providing you with market research, commentary, and other relevant insight.
• Understand your personal circumstances, values, investing style, and more.
• Help you understand the fees and expenses associated with investing, and continually provide you with real value that exceeds these expenses.
• Place a personal priority on communication, and consistently remain open and accessible.
• Leverage new and novel investment tools and products, providing you with greater insight into your investment performance and returns.