ABC Investing By Shobha Narasimha. ABC Investing

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Presentation transcript:

ABC Investing By Shobha Narasimha

ABC Investing

What is Investing? Why to invest? What is the catch…..? Risk

Risk Of losing money

Things to Consider Time Horizon Risk Rate of return Risk Liquidity Risk

Why not keep money under bed? Inflation

Type of Investment Bank Checking – Saving - CD - Interest taxable, penalty for early withdrawal

Bonds Short Term < 3 year Intermediate Term - 3 – 10 years Long Term > 10 years

Bonds Treasury bonds – state tax free, federal tax, $1000 multiples, can be traded Treasury bills < 1 year Treasury notes - 1 …10 years Treasury bonds > 10 years

Bonds Saving Bonds – Non transferable TIPS - Inflation adjusted, 5 – 10 years Municipal bond – federal tax free and tax free for state residents

Saving Bonds Can be bought directly at treasuarydirect.gov Low minimum – 25,50,75, 100,200,500 Non transferable EE bonds and I bonds (Inflation adjusted) Might be tax free if it is used for higher education

Bonds Corporate Bond A……………………………Z alphabet soup Mortgage Bond

Mutual Fund Mutual Fund - Bond, Stock, Money Market Expense ratio No load fee Diversification Vanguard, TRow Price

Where to Buy ? Discount brokers Scottrade.com Etrade.com www. schwab.com

Portfolio and Asset Allocation

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