INVESTMENT PORTFOLIO

SAVINGS ACCOUNT - $20,000

• Savings accounts have the lowest risk
• Interest is .95% APY
• Deposit $20,000 in a savings account at local bank
• Money will be secure and slowly build interest over time

CERTIFICATE OF DEPOSIT - $20,000

• Interest of 1.1% APY
• Can also be done at local bank
• Low risk option
• Like a savings account, but you must leave money deposited for a certain amount of time
• Higher interest rate than a savings account

MUTUAL FUND - $20,000

• Around 1% APY
• Somewhat low risk factor
• Funded by shareholders
• Traded in diversified holdings

MONEY MARKET ACCOUNT - $20,000

• Typically pays higher interest rate than savings account, 1.5% APY
• Somewhat low risk
• Requires higher account balance
• Offers benefits of both a savings and checking account

U.S. GOVERNMENT BOND - $20,000

• Usually low risk
• 30 year bond - 1.09% APY
• Lending money to the government and getting paid back with interest