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PRESENTATION OUTLINE

1.

100,000 FOR INVESTEMENTS

  • Savings account- $20,000
  • Certificates of deposits-$20,000
  • Money market account-$20,000
  • Bond-$20,0000
  • Stocks-$20,000
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2.

SAVINGS ACCOUNT -$20,000

  • Definition:bank account where interest is paid traditionally
  • Average interest rate:0.06
  • These have low risk because the federal depository insurance corporation insures the accounts.
  • Facts: A money market account is a type of savings account. -online only savings accounts offer the best interest rate.
  • I chose to put $20,000 in a savings account because it is safe and reliable source for your money.
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3.

CERTIFICATES OF DEPOSITS -$20,000

  • Defi:investments when you lend money to a bank at a set interest rate for a certain time.
  • Average interest rate: 0.51
  • Low risk because banks Pay co holders a premium for locking money.
  • -also known as credit unions and timed deposits. -security fixes rates -they are offered by a bank
  • I put 20,0000 in this because they have a low risk rate
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4.

MONEY MARKET ACCOUNT

  • Defi: an account that typically pays a higher interest rate than savings account.
  • Average interest rate:0.26
  • Money market accounts have a low risk
  • -FDIC insures deposits -checks writing a debit access are also insured
  • They have low risks and evenly distributed
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5.

BONDS- $20,000

  • Defi: a loan that the bond holder makes to the issuer.
  • Average interest rate: 0.10
  • Bonds have a moderate risk because annual interest is paid by the investor.
  • Facts: can compare to a loan when you are a lender like an IOU. - bonds are less risky than stocks. -offered by government and corporations.
  • Have a little risk but safe and evenly divided money
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6.

STOCKS - $20,000

  • Devi: when you buy a portion of a company
  • Average interest rate:7.0
  • High risk because the company could plummet
  • Facts: stocks are a gamble -if you can't afford to lose any money, don't invest. -can open through a stock exchange.
  • I invested $20,000 because my other investments have low risks, making it affordable to put some risk into this one.
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7.

QUESTIONS

  • Diversification is used to minimize risk. Also maximizes return by investing in multiple areas that each react differently to the same event.
  • It is important to change plans throughout your life cycle because the economy changes over time.
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Kelly Nolan