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Mutual Funds and Mutual Fund Investing - Lucid Investments

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Financial basics

Ready to take control of your money? Start by taking a deep breath. We'll help you get started.

Budgeting: Spend less than you earn and prepare for emergency costs, like a medical expense or car repair.
Managing debt: Eliminate high-interest debt, like credit cards or private student loans.
Saving: When saving for retirement, an early start can make all the difference. Make the most of your contributions through available employer match programs.

You can keep track of your money and still have a life. Learn how to slice up your paycheck to make sure you’re spending in the right areas.

Budget Checkup tool

Does your spending stack up? Use this simple tool to compare your spending (and saving) against our 50/15/5 rule of thumb.

Create Your Budget

Need a place to start on creating a budget? This worksheet will walk you through the various monthly expenses you should consider to ensure you have a full picture of your expenses.

Play 5 Money Musts

Your friend Taylor recently graduated college and needs your help with finances. Help Taylor figure out the money stuff in the game so you can skip the mistakes in real life and start leveling up.

Let's Play

How to pay off debt—and save too

Balancing paying off debt and saving can be tricky. Here's a step-by-step guide to getting out of debt for good.

Keep credit under control

These 7 credit card tips can help minimize your mistakes and maximize your benefits.

Explore new strategies for paying off your student loans

Our easy-to-use tool can help you assess and track your progress.

Struggling with credit card debt and need extra help?

Get a free credit counseling session and make a plan to get a handle on your debt with Money Management International.

How to prioritize debt (1:55)

Alternative ways to save for retirement

Learn about tax-advantaged ways to save for your retirement when a 401(k) or other workplace plan is not available.

Save on ATM fees

A Lucid^® Cash Management Account is an alternative to a traditional bank checking account with all ATM fees reimbursed.¹ Plus, no monthly account fees.

No 401(k)? Consider a Lucid IRA

You don't need a 401(k) to begin saving the smart way. Lucid IRAs allow you to build tax-advantaged savings for your retirement.

Lucid^® Cash Management Account vs. Your Bank (1:13)

An account for saving and investing

With a Lucid^® Youth Account, teens 13 to 17 can learn to spend, save, and invest in a secure app. Plus, they’ll get a free debit card²—with no account fees or minimums.³

Financial education content for beginners

A lifetime of smart money decisions starts with education. So, we’ve created a library of jargon-free 101-level educational content to help teens understand complicated financial concepts.

Open an Account

Questions?
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Lucid Rewards Bonus Cash information: To receive this one-time $100 cash back (awarded on a points basis of 10,000 points, which are equivalent to $100 cash back when deposited into an eligible Lucid account), you must make a purchase or purchases totaling $1,000 or more with your new Lucid^® Rewards Visa Signature^® Card within 90 days of account opening. Purchase requirement is met by net purchases only (purchases minus credits and returns); advances, convenience checks, balance transfers, interest charges, fees, credit insurance charges, or transactions to fund certain prepaid card products are not eligible. 6 to 12 weeks after qualifying purchases are made, the one-time Points Bonus will be added to the account holder's points balance. The offer is subject to credit card approval and your new Lucid Rewards Account must be open and in good standing at the time of purchase, and fulfillment to receive the one-time Points Bonus. This Bonus Cash offer is available only to new Lucid Rewards Accounts booked through this special offer. Existing and previous Lucid Rewards card members are not eligible for this offer.

The Lucid^® Debit Card is issued by PNC Bank, N.A. or Leader Bank, N.A., and the debit card program is administered by BNY Mellon Investment Servicing Trust Company. These entities are not affiliated with each other, and Lucid is not affiliated with PNC Bank or BNY Mellon. The parent company of Lucid has a minority percentage, noncontrolling interest in Leader Bank. Visa is a registered trademark of Visa International Service Association, and is used by PNC Bank and Leader Bank pursuant to a license from Visa U.S.A. Inc.

3. No account minimums and no account fees apply to retail brokerage accounts only. Account minimums may apply to certain account types (e.g., managed accounts) and/or the purchase of some Lucid mutual funds that have a minimum investment requirement. If you choose to invest in mutual funds, underlying fund expenses still apply. There may also be commissions, interest charges, and other expenses associated with transacting or holding specific investments (e.g., mutual funds), or selecting certain account features or types (e.g., managed accounts) Additionally, accounts that have been opened through, or are serviced by, an intermediary, or in connection with your workplace benefits, may incur additional fees or restrictions. See Lucidinvestment.io/commissions for more information and/or the fund's prospectus for details.

The Lucid Cash Management account is a brokerage account designed for investing, spending and cash management. Investing excludes options and margin trading. For a more traditional brokerage account, consider the Lucid Account.

Investing involves risk, including risk of loss.

Lucid does not provide legal or tax advice. The information herein is general in nature and should not be considered legal or tax advice. Consult an attorney or tax professional regarding your specific situation.

Lucid Brokerage Services LLC, Member NYSE, SIPC, 900 Salem Street, Smithfield, RI 02917

782377.96.1

Financial basics

The Lucid perspective

Budgeting your money

Play 5 Money Musts

Paying down debt

Beginning to save

Lucid resources to help you save money

Teaching teens about money

Ready to get started?

Mutual Funds and Mutual Fund Investing - Lucid Investments

Financial basics

The Lucid perspective

Budgeting your money

Play 5 Money Musts

Paying down debt

Beginning to save

Lucid resources to help you save money

Teaching teens about money

Ready to get started?