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

WHY INVEST?

Give Your Money A Chance To Grow.

Are you doing all you can to maintain—and grow—your wealth? Investing can be a smart way to do both, but it takes experience, a well-executed strategy, and a deep understanding of your short-and long-term goals. With a good plan and trusted expertise, through investing you can:

Pursue financial independence

Investing can make your existing assets work for you, helping you take charge of your financial future as you pursue your goals.

Manage opportunity cost

In simplest terms, where you choose to put your money can actually cost you over time in terms of missed opportunities. For example, let's compare spending $50,000 on a new car versus earning interest, compounded, on that same $50,000.

Compound Interest vs. Depreciation

With compounding, your money has the opportunity to grow over time. If not invested, your money can lose value.

The chart above illustrates basic principles of compounding and is not a representation of actual results from investing. Although securities markets, in aggregate, have tended to appreciate over the long term, they have also exhibited long periods of significant negative returns. There is no assurance that any investment or strategy will produce positive returns over any given period.

With compounding, the value of your principal can increase over time when you reinvest any capital gains and interest, period over period. Compounding may enable your wealth to grow on itself.

Stay ahead of inflation

Historically, inflation has driven up the costs of every category of goods and services over time. How will your wealth keep pace? The chart below illustrates the relative buying power of a dollar over a 90-year period, using a loaf of bread to depict value changes over time.

Inflation

Inflation is the sustained increase in the price of goods and services over time, as illustrated here by a loaf of bread.

Inflation, depicted by a decrease in purchasing power as times goes on, is illustrated above. As a point of reference, monetary equivalents for the benchmark of $0.50 in 1925 for the subsequent years of 1950, 1975, 2000, and 2015 are $0.69, $1.54, $4.92 and $6.77, respectively.
Source: U.S. Bureau of Labor Statistics

Benefits of a fiduciary

A fiduciary’s loyalty is to the client and the client’s best interests. So your fiduciary should manage your money prudently, in a way that can help your assets grow in line with your comfort level and risk appetite. With a trusted fiduciary, you can count on:

A high standard of responsibility
An alignment of interests that fosters sound decision making
An investing approach based on solving for your investment needs rather than trying to sell a product or service
Your funds being invested in a manner that is consistent with applicable law

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