Margin Investing

More purchasing power. Lower investment cost.

For that extra edge in today's market, margin investing represents an opportunity to get the most value from your available resources by getting a cash loan against the securities in your portfolio. With People’s Securities you will get some of the lowest margin rates in the industry.

Margin Loan Amount

Percentage Points Added to Base Rate*

Current Margin Rate

$0 - $9,999

2.25

9.25%

$10,000 - $24,999

2.00

9.00%

$25,000 - $49,999

1.75

8.75%

$50,000 - $99,999

1.25

8.25%

$100,000 - $249,999

1.00

8.00%

$250,000 - $999,999

-0.25

6.75%

$1,000,000+

-0.75

6.25%

Effective 12/21/2018

Investing with Margin

There is no lengthy approval process and no established repayment term, but you should understand the risk associated with margin investing before establishing a margin investing account.

Higher Margin Trading

Due to continued volatility in the stock market some stocks have higher margin requirements.

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Disclosure

Investment and insurance products are offered through People’s Securities, Inc., a Broker/Dealer, member of FINRA and SIPC, an insurance agency and a registered investment advisor. People’s Securities, Inc. is a subsidiary of People’s United Bank, N.A. Investment products may involve risk, including possible loss of principal. Investment and Insurance Products are:

• Not Insured by FDIC or any Federal Government Agency
• Not a Deposit of or Guaranteed by a Bank or any Bank Affiliate
• May Lose Value

Business Continuity Plan - Commission & Fee Schedule - Financial Statement - Cost Sharing Arrangements - Order Routing Disclosure - Day Trading Disclosure - BrokerCheck

*People’s Securities, at its discretion, will determine a Base Rate of interest upon which it will figure the rate of interest to charge its margin account customers. This Base Rate will be determined by referencing the prevailing ‘broker call money’, ‘broker call loan’, or ‘call money’, rate as appearing in financial publications. The Base Rate will not necessarily equal this rate. You will pay a certain percentage above or below the Base Rate depending upon the size of your margin loan.