贵金属投资技术分析英文版(35).pptVIP

Prerequisites toInvestments Prepare financial statements Set financial goals Establish a spending plan Organize financial records Establish a positive credit history Maintain adequate insurance coverage Insured Savings Savings Bonds Certificates of Deposit Money Market Deposit Accounts Investment Strategies Invest regularly by dollar-cost averaging Diversify your portfolio Check your investments regularly Stay invested during down markets Be patient Thus far we’ve talked about the pre-requisites for investing, the impact of inflation and taxes, and the time value of money. Now let’s look at different investment alternatives available to you. As this slide illustrates, there are many different investment alternatives. There is no such thing as the perfect investment. Each investment alternative carries a different level of risk and potential return. You can, however, choose the level of risk (low, limited, moderate or high) you are willing to assume. Diversifying assets carefully among the risk levels assures you of ending up with a larger pool of assets over time than if you keep all your money in one risk category. The investment pyramid you saw earlier will help you match the corresponding investment alternative with the appropriate risk. Once you identify your financial goals and timelines, then you can start looking at investment alternatives to best meet your needs. These low risk savings products are guaranteed to return your principal and a stated rate of interest.* One disadvantage that is often overlooked in low risk savings investments is the inflation risk: You will not lose your shirt, but you may not be able to buy a new one because your earnings are not enough to keep up with taxes and inflation! * If you take no risk with your assets, you will be unlikely to earn a return high enough to achieve your financial goals. As we proceed through the next 3 slides, the level of risk will increase, meaning you could lose some or all