贵金属投资技术阐明英文版 28.pptVIP

Investments FINANCIAL GOALS EMERGENCY FUND – A savings account that you can access quickly to pay for unexpected expenses or emergencies. Often thought to be 3 – 8 months of expenditures—very liquid FINANCIAL GOALS Pay yourself first Take advantage of 401K or 403B plans - employer often matches Elective Savings Programs Gifts, inheritances and windfalls Retained Earnings – profits that a company reinvests, usually for expansion or to conduct research and development. Investment Liquidity – the ability to buy or sell an investment quickly without substantially reducing its value. SAVINGS ACCOUNTS Very liquid Compounds interest Flexible amounts and withdrawal times FDIC Insured Certificate of Deposit Time specification Amount specification Penalty for early withdrawal FDIC insured STOCKS Equity capital – money that a business gets from its owners to operate Common stock – a unit of ownership of a company, it entitles the owner or stockholder to: voting privileges growth profits maybe dividends Stock splits STOCKS Preferred stock – a type of stock that gives the owner the following advantages: Cash dividends before common stockholders FACTORS TO CONSIDER WHEN INVESTING IN STOCK You are not guaranteed what you paid for each share Current value is determined by how much another investor will pay for share – supply and demand A corporation does not have to pay dividends. BONDS A bond is lending money to a corporation or government entity for a period of time Corporate Bond – a written pledge to repay a specific amount of money along with interest Government Bond – a written pledge of a government or a municipality such as a city to repay a specific sum of money with interest MUTUAL FUNDS A mutual fund is an investment in which investors pool their money to buy stocks, bonds, and other securities selected by professional managers who work for an investment company. REAL ESTATE Resale for profit Rental Income COLLECTIBLES Coins Stamps Beanie Babies Sports cards Div