© 2024 M&T Bank and its affiliates and subsidiaries. All rights reserved.
Wilmington Trust is a registered service mark used in connection with various fiduciary and non-fiduciary services offered by certain subsidiaries of M&T Bank Corporation including, but not limited to, Manufacturers & Traders Trust Company (M&T Bank), Wilmington Trust Company (WTC) operating in Delaware only, Wilmington Trust, N.A. (WTNA), Wilmington Trust Investment Advisors, Inc. (WTIA), Wilmington Funds Management Corporation (WFMC), Wilmington Trust Asset Management, LLC (WTAM), and Wilmington Trust Investment Management, LLC (WTIM). Such services include trustee, custodial, agency, investment management, and other services. International corporate and institutional services are offered through M&T Bank Corporation’s international subsidiaries. Loans, credit cards, retail and business deposits, and other business and personal banking services and products are offered by M&T Bank. Member, FDIC. 
M&T Bank Corporation’s European subsidiaries (Wilmington Trust (UK) Limited, Wilmington Trust (London) Limited, Wilmington Trust SP Services (London) Limited, Wilmington Trust SP Services (Dublin) Limited, Wilmington Trust SP Services (Frankfurt) GmbH and Wilmington Trust SAS) provide international corporate and institutional services.
WTIA, WFMC, WTAM, and WTIM are investment advisors registered with the U.S. Securities and Exchange Commission (SEC). Registration with the SEC does not imply any level of skill or training. Additional Information about WTIA, WFMC, WTAM, and WTIM is also available on the SEC's website at adviserinfo.sec.gov. 
Private Banking is the marketing name for an offering of M&T Bank deposit and loan products and services.
M&T Bank  Equal Housing Lender. Bank NMLS #381076. Member FDIC. 
Investment and Insurance Products   • Are NOT Deposits  • Are NOT FDIC Insured  • Are NOT Insured By Any Federal Government Agency  • Have NO Bank Guarantee  • May Go Down In Value  
Investing involves risks and you may incur a profit or a loss. Past performance cannot guarantee future results. This material is provided for informational purposes only and is not intended as an offer or solicitation for the sale of any security or service. It is not designed or intended to provide financial, tax, legal, accounting, or other professional advice since such advice always requires consideration of individual circumstances. There is no assurance that any investment, financial or estate planning strategy will be successful.
Wilmington Trust
Explore All Topics

An Investing Case Study

Hypothetical client scenario for illustrative purposes only.

Managing through Sudden Responsibility

Some individuals never planned on being investors and may not know where to begin. In one case, a trust had been created for a son at the death of his father. When the father passed away suddenly, the son was overwhelmed by all the extra responsibility.

The son had very limited investing experience and was concerned about taking on too much risk in the stock market after a recent tumble.

He wanted to invest the holdings very conservatively to avoid losing any of the money that his father had worked so hard to create. And the trust did not provide for distributions to him until 10 years from the funding of the trust.

Due to the limited cash needs and long time horizon, we explained to the son that the trust had the ability to take on a greater degree of stock exposure and to ride out shorter-term moves in the stock market.

After many discussions about potential returns and losses, the son agreed to invest the trust in a strategy more focused on growth

Next: Investing Insights Summary
previous: The Investing Process

Contact

To determine how Wealth Compass can help meet your objectives, please contact Senior Investment Advisor Will Bennett, Senior Investment Advisor Lara Coviello, or your Wilmington Trust advisor.

Wilmington Trust is a registered service mark used in connection with various fiduciary and non-fiduciary services offered by certain subsidiaries of M&T Bank Corporation including, but not limited to, Manufacturers & Traders Trust Company (M&T Bank), Wilmington Trust Company (WTC) operating in Delaware only, Wilmington Trust, N.A. (WTNA), Wilmington Trust Investment Advisors, Inc. (WTIA), Wilmington Funds Management Corporation (WFMC), and Wilmington Trust Investment Management, LLC (WTIM). Such services include trustee, custodial, agency, investment management, and other services. Loans, credit cards, retail and business deposits, and other business and personal banking services and products are offered by M&T Bank, member FDIC.

This commentary is provided for educational purposes only, providing a high-level introduction to investing concepts and terminology. It is not intended to provide all of the nuances of strategies that may be available in the marketplace; thus descriptions of features, risks, and potential benefits are intended to be generally representative and not comprehensive. Similarly, this material is not intended as an offer, recommendation or solicitation for the sale of any financial product or service or as a determination that any investment strategy is suitable for a specific investor. Investors should seek financial advice regarding the suitability of any investment strategy based on the investor’s objectives, financial situation and particular needs. The investments or investment strategies discussed herein may not be suitable for every investor. There is no assurance that any investment strategy will be successful.

Third party information incorporated into these materials has been obtained from sources believed to be reliable, but its accuracy and completeness are not guaranteed. Opinions, estimates and projections constitute the judgment of Wilmington Trust and are subject to change without notice.

Investors should consider the investment objectives, risks, charges and expenses of an investment company carefully before investing. The prospectus contains this and other information about an investment company and is available from your financial advisor. The prospectus should be read carefully before investing.

Investment products are not insured by the FDIC or any other governmental agency, are not deposits of or other obligations of or guaranteed by Wilmington Trust, M&T, or any other bank or entity, and are subject to risks, including a possible loss of the principal amount invested. Some investment products may be available only to certain “qualified investors”—that is, investors who meet certain income and/or investable assets thresholds.

Wilmington Trust is a multi-faceted financial services company offering a broad range of services, including financial services and investment products provided by affiliates. While offering affiliated products and services in client solutions generally is intended to ensure a cohesive client experience, certain inherent conflicts of interest exist. These include, where applicable, the general incentive of expanding the firm’s brand and presence in certain markets, including assets under management as well as the incentive of incremental service fees, advisory or management fees, administrative fees and, in some cases, sales or incentive fees. The use of affiliate products and services could introduce a conflict of interest in future recommendations where such recommendation might involve products and services where Wilmington Trust and its affiliates collectively earn less in fees.

Emphasis on qualitative factors in the manager selection process is likely to result in the availability of investment strategies managed by affiliates of M&T Bank on our service platforms, and may influence specific recommendations. In many instances, the use of such affiliate offerings can result in additional revenues to M&T Bank or the affiliate as compensation for investment management, execution, administration, or other services.

Investing involves risks and you may incur a profit or a loss.

Diversification does not ensure a profit or guarantee against a loss.

Past performance cannot guarantee future results.

Third-party trademarks and brands are the property of their respective owners.

© M&T Bank and its affiliates and subsidiaries. All rights reserved.

What can we help you with today

Search results are ready