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Elaine Scott - Stocks And Bonds Profits And Losses - A Quick Look At Financial Markets 1985_10

Tham khảo tài liệu 'elaine scott - stocks and bonds profits and losses - a quick look at financial markets 1985_10', tài chính - ngân hàng, đầu tư chứng khoán phục vụ nhu cầu học tập, nghiên cứu và làm việc hiệu quả | institution you have lent your money to that you will not withdraw it before the time limit is up whether it is thirty days or eight years. If you do try to withdraw it the company can make you pay a penalty or they can actually refuse to let you take your money out until your CD reaches its maturity date. CD s are insured up to the 100 000 limit by the FDIC and the FSLIC. You ve probably heard the expression Don t put all your eggs in one basket. Well if possible you should not put all your investment capital in one security either. To minimize your risk you should diversify that is spread your investment dollars among several different kinds of investments similar to the ones we have just mentioned. However for most people there is a problem with this kind of plan. Most investors simply don t have the risk capital the money to spare to invest in more than one or two areas. Only wealthy investors can afford to diversify and often only they have the time to supervise their investments once they have made them. Most of the rest of us are too busy going to school or working There is a way however to be diversified in your investments and spend a relatively small amount of money. You can buy shares in something called a mutual fund. One of the definitions of mutual is shared together as in We have mutual friends. I may have only 100 to invest. That amount certainly will not allow me to diversify my investments. However if you have 100 and Sam Bill and Hortense have 100 and five other friends each have 100 by pooling your money together you will have 1 000 to invest. Now you re talking. And if you each had 1 000 to invest and pooled it why you d have 10 000 to invest. And if you each had 10 000 to invest you could pool it and have 100 000 You get the picture. Mutual funds allow smaller investors to 83 diversify their investment dollar in the same way that wealthy individuals and corporations diversify their investments. Mutual funds are operated by professional money .