Group 1 - The promotional offer is valid from December 15, 2025, to January 2, 2026, requiring customers to fund their Active Invest account with a minimum of $50 within 45 days to qualify for a minimum reward of $15 [1] - The probability of a member receiving $3,000 is 0.026%, and if no selection is made within 45 days, the member will no longer qualify for the promotion [1] - Additional fees, such as exchange fees, may apply, and customers are advised to review the fee disclosure for a complete listing [3] Group 2 - Investing in alternative investments and strategies may not be suitable for all investors and involves unique risks, including the risk of loss [4] - Fractional shares have limitations, including potential delays in order execution and the inability to transfer fractional shares to another firm [5] - Options trading involves substantial risks, including the possibility of losing the entire investment, and investors should review the risks associated with options and IPOs before participating [6]

Core Viewpoint - The VIX is expected to finish 2025 at or around its lowest level since December 2024, indicating a significant decrease in market volatility [1] Group 1 - The VIX has experienced considerable fluctuations throughout the year [1] - The anticipated low level of the VIX suggests a potential stabilization in market conditions [1]

Investment Options - Annuities and stocks can provide an income stream and diversification for a financial portfolio [1] Risk Considerations - Each investment comes with its own risks to consider [1]