Best financial tips on the net


Personal Finance - Most Common Investment Plans

Fifty years ago, the average workerpotential
didn't need to worry about saving for-Mid-Cap stocks, lie between the
his retirement. If he stayed with thelarge-cap and small-cap risk range
same company for 20, 25 or 30 years, heBonds:
was guaranteed a pension, in addition toBasically an IOU from a company or
a monthly social security check form thegovernment, bonds are a relatively safe
United States government, and medicalinvestment. Bonds are issued as a way
benefits under Medicare. Still, thosefor corporations and government agencies
same workers generally saved about 10%to raise money quickly. Bonds come with
of their paychecks for a rainy day,a guarantee that the purchaser will get
leaving many with a tidy retirementback their original investment, with a
fund.set amount of interest at a specific
Today's workers aren't offered thosedate. These fixed-income investments
same retirement benefits, yet, many failcome in several categories, or grades:
to put even 5% of their annual salary-AAA, AA or A offers relatively low risk
into a 401K retirement plan, let alone-BBB, are medium grade
save additional funds on top of that.-Bonds lower than BBB have higher risk
Today's worker, (no matter how much, orof default
how little they make), must become a-Junk Bonds, offer the highest risk, and
savvy investor in order to guarantee aare often worth nothing by their
comfortable future.maturation date
Whether you can put aside $50 a month,Cash Equivalents:
or $500, learning a few investmentThis is a type of short-term investment
basics is crucial in order to get thethat is easily converted into cash, such
best future bang for your current buck.as Treasury or T-Bills ( a government
Here are a few of the most commonnote offering low interest) and money
investment opportunities available tomarket accounts, Although a safe
both the high and low-end investor:investment, their return can be rather
Stocks:low.
Stocks, or equities, are a way to investMutual Funds:
a small portion of ownership in aThis popular investment is a simple way
specific company. The number of sharesto expand your investment portfolio, by
that you buy, in proportion to theallowing investors to pool their money
number available, determines how much ofin a collection of stocks, bonds, and
the company you actually own. Known ascash equivalents, in order to make the
the best opportunity for long-rangemost profit at the least risk. The
growth, stocks can be a risky short-termrationality with this type of investment
investment.is, if one fund does poorly, another
There are three types of stockswill make up for the loss.
available for purchase:Investing money wisely takes a little
-Large-cap stocks, from well-establishedresearch and experience, but today's
companiesoptions make investing an option for
-Small-Cap stocks, representjust about everyone - no matter how much
lesser-known companies with fast-growthor how little they have to invest.



1 A B C D 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104 105 106 107 108 109 110