1. INVESTING YOUR MONEY

2. WHAT’S THAT?????? INVESTMENT????
ANYTHING YOU BUY NOW THAT YOU EXPECT TO BE MORE VALUABLE LATER

3. WHAT ARE SOME OPTIONS??

4. THESE 3 INVESTMENTS COME FROM A BANK!
SAVINGS ACCOUNTS
CD’S
MONEY MARKET ACCOUNTS
THESE ARE CONSIDERED VERY SAFE INVESTMENTS!

5. A GOOD IDEA
PUT ENOUGH MONEY IN SAFE, BANK INVESTMENTS TO COVER AT LEAST 3 MONTHS WORTH OF LIVING EXPENSES.

6. HMMMM, I STILL HAVE SOME MONEY, WHAT NOW??
WHAT ABOUT PROPERTY OR COLLECTIBLES???? LIKE…..

7. I STILL HAVE SOME MONEY…
HOW ABOUT MONEY TO LIVE ON WHEN I RETIRE….???
“Eyera”
IRA – (yOU DO THIS ONE.)
401k - (YOUR COMPANY DOES THIS ONE)

8. WHAT COULD I GET IN RETURN FOR THE RISK I’M TAKING…???
OK, WITH THE MONEY I HAVE LEFT, I’M WILLING TO TAKE SOME (NOT TOO MUCH FOR ME, THANKS!!) RISK….
WHAT COULD I GET IN RETURN FOR THE RISK I’M TAKING…???

9. THE STOCK MARKET MINIMUM (USUALLY AT LEAST $1000)
USEFUL FOR LONG TERM GOALS
RISK LEVEL DEPENDS ON THE COMPANY
NEGATIVES:
CAN LOSE YOUR MONEY, NO GUARANTEE
REQUIRES SOME BASIC KNOWLEDGE OF HOW THE STOCK MARKET WORKS

10. Mutual Funds A ‘collection’ of bundled stocks
Managed by a professional
Less likely to lose money because not all stocks will go down in value at the same time – decreased risk!
Can be bought for as little as $25 per month
Returns as high as 35% (WOW!)

11. What are the riskiest investment?
The lottery
Speculative (penny) stocks – comes from unproven companies
Mining for precious metals

12. Rule of 72 Illustrates how long it will take to double your money:
Formula: / rate of return
Example: $10,000 investment
Savings 2% = 36 years
5% = 14.4 years
12% = 6 years

13. Financial Markets Stocks Mutual Funds: Morningstar
New York Stock Exchange
Mutual Funds:
Morningstar