贵金属投资技术分析英文版-44.pptVIP

Factors determining a program Safety Assurance that the money you have invested will be returned to you Liquidity Ease with which an investment can be changed into cash without losing any of its value Yield Rate of return (percentage of interest that will be added to your savings over a period of time) Diversification Process of spreading your assets among several different types of investments to lessen risk Starting Program Factors That Affect the Rate of Return on an Investment Risk - Chance of loss Rate of Return (yield) Amount of money the investment earns Compounding frequency is the interest computed on the amount saved plus the interest previously earned. Liquidity Ease with which an investment can be changed into cash Resistance to inflation Will rate of return keep up with inflation? Tax considerations Factors that Affect the Selection of Financial Institutions Services offered Business hours Location On line services Financial Security Investments (low risk) Cash Savings Accounts Money Market Accounts Certificate of Deposit US Government Bonds Retirement Accounts Safety and Income Investments US Treasury Securities Conservative Corporate Bonds State and Municipal Bonds Income and Utility Stocks Growth Investments Income and Growth Stocks Mutual Funds Real Estate Convertible Bonds Speculation Investments (high risk) Options Commodities Precious Metals and Gems Speculative Stocks Junk Bonds Collectibles Calculating Rate of Return Rate of Return = Total Interest Earned divided by Original Deposit Example: If you deposited $100 in account that paid $6.18 interest for one year, what would be the rate of return? $6.18/$100 = .0618 = 6.18% Earned Interest The payment you receive for allowing a financial institution or corporation to use your money Rule of 72 Tells you how long it takes your money to double in value Divide 72 by interest rate to determine number of years to double. Divide 72 by years to determine rate needed to double your money in a