You get a broker or start working with a brokerage firm. Your thoughts focus on how you're going to make money by putting the assets you already control into your investment portfolio. You know that it's crucial for your retirement.
Investing your money is always a bit of a gamble, no matter how carefully you do it. If you're not financially sophisticated about investments, you probably rely heavily on the advice of your financial advisors.
Investing nearly always carries some risk. However, there are numerous state and federal securities laws that publicly traded companies and securities professionals must abide by. These help prevent investors from putting themselves at unnecessary risk due to false or incomplete information provided by companies or from less-than-honest brokers and other securities professionals.
Even if you don't know what it means, the term "disgorgement" may sound particularly painful. Indeed, it can be painful for those who are guilty of violating securities regulations or engaging in other illegal or unethical business activity.
Initial public offerings (IPOs) can be tricky things. Calculating the value of a stock before it becomes available to the public for purchase isn't an exact science. Uber's IPO earlier this month was widely considered to be a "flop" as it quickly dropped below its IPO price -- although it has since rebounded somewhat.
There are plenty of do-it-yourself options out there for people who want to buy stocks and other types of securities. However, many investors turn to brokers for their experience and knowledge. Brokers, like other types of professionals, owe a duty of care to their clients. They are governed by the Financial Industry Regulatory Authority (FINRA).