Investments And Bonds
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PRESENTATION OUTLINE
TYPE OF INVESTMENTS
- Savings account($20,000)
- Certificates of deposits($20,000)
- Bonds ($20,000)
- Stocks($20,000)
- Money market accounts($20,000
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SAVINGS ACCOUNT($20,000)
- Is a lending investment in which you lend money to a bank for the benefit of accessing your money anytime
- .06% (annual percentage yield, or interest)
- Low risk- your money is accessible all the time
- Benefits you because you can leave your $$ in the savings account for indefinite period of time, simplest type of bank account to manage
- Offered by a bank
- Distributed $$ equally. First thing to pop in mind
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BONDS($20,000)
- A loan that the bind interpreter or holder makes to the bond issuer
- .10% average interest rate
- Low risk
- A loan basically in which you're the lender, it's like an IOU
- Offered by government & corporations
- I'm familiar with this term and easy to understand. Evenly distributed cash
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CERTIFICATES OF DEPOSITS($20,000)
- Lending investment in which you lend $ to a bank at a set interest rate for certain time
- .51% average interest rate
- Low risk
- Also known as Credit unions, mainly called timed deposits
- Offered by bank
- To learn more about, distribute money evenly among the 5 accounts/investments
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STOCKS($20,000)
- Buying a portion of a company
- 7.0% average rate
- High risk
- If the thought of a loss scares you don't invest, It's a win or lose situation
- Stock exchange
- It's a gamble, if you win you win big and a loss is a loss
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MONEY MARKET ACCOUNTS
- Interest baring account typically pays a higher interest rate than savings account
- .26% average interest
- Low risk
- FDIC insures deposits, check writing a debit access
- Offered by a bank
- Sounded familiar so I was curious about it. Researched more in depth, 20,000 in each
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