1300 W. Washington Street

Phoenix, AZ 85007-2996

 

 

Main: (602) 542-4242

Email: SecuritiesDiv@azcc.gov

Adults and Families

Basics of Saving and Investing

When saving, you use financial instruments to safeguard and accumulate funds for short term spending goals. Saving instruments typically earn interest, have minimal or no risk to principal, emphasize safety and liquidity, but are subject to inflation risk.

When investing, you use financial instruments to grow your money for long term goals such as retirement. Investing products allow you to gain a profit through interest, dividends, and/or increase in value, but your principal is at risk of loss. Each type of investment carries a certain level of risk. Understand how the investment works and if it's right for your age, investment objectives, and risk tolerance.

Before you even think about investing, it is recommended to maintain a "rainy day fund," an emergency fund with money that is liquid (easily accessible) and the principal is not at risk. Read more about getting started on the path to saving and investing.


How to Raise a Money-Smart Child:

A Parents Guide

This resource discusses how to raise a child who is savvy about money; includes age-appropriate, family activity ideas. Important topics include:

Ages 2 to 8

  • Allowances...or Work...or Both?
  • Helping Kids Understand: Needs and Wants

Ages 9 to 12

  • Piggy Banks to Real Banks
  • How to Create a Budget
  • What is a Mutual Fund?

Ages 13 to 18

  • How to Reconcile Your Checking Account
  • Credit for the First-time Borrower
  • Create a Positive Credit History
  • Next Generation: Insuring Your Future
  • Eight Ways to Help Finance College

Smart Saving for College: Better Buy Degrees

529 Plans and Other College Saving Options

This guide, published by FINRA (Financial Industry Regulatory Authority), discusses your options to saving and investing wisely for college. Some important topics include:

  • College Costs are Rising--Are You Keeping Pace?
  • Loans--Know the Cost
  • Education Benefits for Service members--Post 9/11 GI Bill
  • College Saving While Saving Taxes
  • Tips for Choosing College Savings Options

Youth Money Matter$

Kids, money does matter! Check out these online games and videos to learn important stuff about saving, investing and becoming a fraud fighter.

Stay Connected


Arizona Corporation Commission

1200 W. Washington Street

Phoenix, AZ 85007

 

Corporations Division

1300 W. Washington Street

Phoenix, AZ 85007

 

Tucson Office (Walk-ins only)

400 W. Congress Street

Tucson, AZ 85701