Basic Investing

• An account in which you can deposit money regularly, at any time.
• A statement from the bank will show your balance.
• Your money earns interest, depending on the rates of the bank.
• You may withdraw money at any time.
• You may need to keep a minimum balance.
• This type of investment has low risk, but low earning potential as well

• An account in which you deposit a fixed amount of money at a designated time.
• This account may help save for a specific purpose or big expense.
• The amount of money deposited is normally a little at a time.
• Your money may not earn interest in this type of account.

• You must initially deposit $500 or more.
• There is a certain period of time in which you may not withdraw money from the account.
• The interest rate stays the same, regardless of rate change.
• The interest rate is normally higher than in savings accounts, but the investment still has low risk.
• CDs help save for future expenses such as college or a down payment for a home.
• There are penalties if you withdraw the money early.

• When you invest in a mutual fund, you hold shares in a group of securities, which may include stocks, bonds, government funds, or money market funds.
• Investors buy shares in the funds and receive a part of any profit.
• Profit depends on the value of the share profits and quarterly dividends.
• Some funds have a low initial investment.
• Mutual funds can be easily tracked.
• Your investments can be made automatically.
• These investments have varying risks and earning potentials.

• Investing in a bond is loaning your money to a corporation or the government.
• You receive the interest and face value of the bond once it matures, over a set period of time.
• Bonds may take 5 to 20 years to mature.
• If you are invested in a company and it fails, you could lose your investment.
• Bonds range in risk.

• Investing in stock is buying shares of ownership in a corporation.
• Stocks can be very inexpensive.
• You must go through a broker to buy and sell stock.
• You can research the company you will be investing in to forecast how it will do. Some common places to research are the Internet, investment magazines, or through a stockbroker.
• You may vote on certain company issues as a stockholder.
• Stocks rise in value when the company does well.
• Stocks range in risk and earning potential.

• Investing in real estate is the purchase of property.
• You may profit by selling the property for a higher value or renting it out.
• You may lose money if the value of the property depreciates.
• There is a high tax exemption for owning property if it is your primary residence.
• The risk varies depending on the condition of the Real Estate market at the time you purchase and sell. However, it is generally a good long-term investment.

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