INESTMENT PORTFOLIO

SAVING ACCOUNT (20,000)

• The interest rate is 0.90%
• If you lose under 250,000 the FDIC insurance company will cover it.
• You have to open a account with 100-500
• To open the account it's as easy as walking into a bank and opening an account
• I picked this because it's low risk and you can put money in easy and you can pull money out without a penalty.
• A savings account has low return and low risk

BONDS (20,000)

• A debt investment in which an investor loans money to an entity.
• 0.36-1.50 interest rate on bonds.
• Low risk because once you pay you make profit on interest .
• Certain bonds last certain years. Ones that are longer will have higher profit
• You get bonds through the government or treasury direct.
• Bonds are good considering there is low risk and a moderate return

STOCKS(20,000)

• A share in a corporation .
• The average interest rate is 7%
• There is high risk which is why you have to diversify into many stocks to lower the risk
• You can open this through a stock exchange or on the phone with a stock broker
• I picked this because if you diversify into different stocks it lowers the risk and because you can choose who you want to invest in. Also it can lead to huge returns if you play your cards right

CERTIFICATES OF DEPOSITS (20,000)

• This is an investment where you lend money to a bank at a set interest rate.
• The average interest rate is .51
• This has very low risk but also has low returns
• Security fixes rates and they are also known as credit unions
• Also it may be hard to start as you need a lot of money to invest.

MONEY MARKET ACCOUNTS (20,000)

• The average interest rate is about .
• These have low risk and higher returns than a savings account
• The FDIC insures deposits
• Checks that have a debit access are insured
• Banks offer this type of investment. Open to all
• I picked this because it has low risk and it also keeps my money safe.

1) diversification maximizes return by investing in many different accounts that react differently to the economy. It is used to lower risk. The more you diversify the less risk you have and the more returns you can make. People who learn the stock market well and diversify there stocks can become rich.
2) You Should change your investments based on how much money you have. If you're young its best to take low risks. However if you are older you can take more risks as you'd have money saved up. Then you can take this opportunity to invest in stocks. Also because the Econ,y can shift and you could lose money if you don't keep it safe Ex: Stock market crash

CREDIT SLIDE

• Slide 1 - Steven Kaczmarski
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• Slide 3 - Steven Kaczmarski
• Slide 4 - Steven Kaczmarski
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• Slide 8 - Steven Kaczmarski