貴金屬投資技術(shù)分析英文版(3)(已修改)
2025-05-12 12:09 本頁面
【正文】 Saving and Investing Your Money at Work Savings vs. Investing SAVINGS ? Savings is usually money you set aside for shortterm goals. ? Money in savings may be invested later. ? Money in savings is very safe. ? Earns a small amount of money ? Can pull money out at any time INVESTING ? When you invest, you set money aside for future ine, benefit, or profit to meet long term goals. ? No guarantee that your money will grow or increase ? Loss is possible and it takes time to recover. ? LONG TERM Compounding ? The idea of earning interest on interest. Savings ? Savings is money put aside for future use. ? Most mon reasons to save are: –Major purchases –Emergencies ?Saving money for a “rainy day” –Retirement ?Putting your money to use in order to make money on it ?Simple Interest vs. Compound Interest ?Simple – interest that is puted only on the amount saved ?Compound – interest that is puted on the amount saved plus interest previously earned ?Securities refers to bonds, stocks, and other documents sold by corporations and governments to raise large sums of money. Investing Investing Through Banks ?Savings Account –Simplest form of saving –Offered by all institutions (banks, credit unions, etc.) –Generally, a low minimum deposit is required. –Interest is low and varies from institution to institution. ?Certificate of Deposit –Requires a minimum deposit for a minimum amount of time –Interest rates are higher than a savings account ? Money Market Fund Investing Through Banks –Kind of mutual fund, or pool of money, put into a variety of shortterm debt by business and government Bonds ? Bonds – Promise to pay a definite amount of money at a stated interest rate on a specified maturity date ? Bondholder – Individual who lends money to a corporation Bond Terms ? Face Value – Amount being borrowed by the seller of the bond ? Coupon Rate – Rate of interest on the bond Types of Bonds ? Corporate Bonds – Issued by corporations – Used to finance buildings and equipment ? Municipal Bonds – Issued by local and state governments – Used to finance schools, roads, airports, etc. Types of Bonds ? Treasury Bonds – Issued by federal government – Known as Savings or Federal Bonds – Types: ? Series EE Bonds – Cost
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