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investment certificate
: ''This article is specific to the United States.
An investment certificate is an investment product offered by an investment company or brokerage firm designed to offer a competitive yield to an investor with the added safety of their principal.〔(Section 28 - Face-Amount Certificate Companies )〕
A certificate allows the investor to make an investment and to earn a guaranteed interest rate for a predetermined amount of time. The product rules and specifics can vary depending on the company selling the certificates.
== History ==
The investment certificate was first introduced to the public in 1894 by John Tappan, the founder of the erstwhile Investor's Syndicate, today known as Ameriprise Financial. Investor's Syndicate marketed the product as a Face Amount Certificate. It allowed the investor to deposit a selected sum of money into the certificate and in turn the investor would receive a guaranteed interest rate after a predetermined amount of time. After the selected length of time had passed, or at maturity the principal and interest were returned to the investor.
抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』
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