Consumer Tips

Important Resources for Investors and Employees

Corporate Bankruptcy: What Every Investor Should Know. What happens when a public company files for protection under the federal bankruptcy laws? Who protects the interests of investors? Do the old securities have any value when, and if, the company is reorganized? www.sec.gov/investor/pubs/bankrupt.htm.

Analyzing Analyst Recommendations. Who do analysts work for and what are potential conflicts of interest? How can you protect yourself? www.sec.gov/investor/pubs/analysts.htm.

"Pro Forma" Financial Information: Tips for investors. Investors should always take the critical step of reading the financial statements of the companies they've invested in, or intend to invest in, because financial statements contain important corporate financial information that may not be readily apparent from news releases. www.sec.gov/investor/pubs/proforma12-4.htm.

Avoid A Company Stock Meltdown In Your 401(k). Suggestions for dealing with company stock. www.mpowercafe.com/retirement/features/features.1.3.1_02062002.html.

Reality Checklist: Five Steps To A Healthier 401(k). www.mpowercafe.com/retirement/features/features.1.3.1_09042001.html.

How Safe Is Your 401(k)? Tips to help you protect your investments. www.msnbc.com/news/689687.asp.

Protecting Your Pension: A Quick Reference Guide. This handbook focuses on those private sector pension plans where someone, such as a trustee or investment manager, is responsible for investing the plan's assets. www.dol.gov/dol/pwba/public/pubs/protect/guidetoc.htm.

U.S. Department Of Labor: "What You Should Know About Your Pension Rights," a publication to help evaluate your employer's policies and practices. www.dol.gov/dol/pwba/public/pubs/youknow/knowtoc.htm

Nonprofit Alliance Offers "401(k) Survival Kit": The Alliance for Investor Education (AIE) has a "401(k) Survival Kit" designed to arm investors with the best tools for success in retirement planning and saving. Investors can find tips on understanding market risks, building a portfolio and deciphering plan statements. www.investoreducation.org/401k_survival.cfm