Personal Savings and Investment #46

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Presentation transcript:

Personal Savings and Investment #46 EMNC(SW/AW) Smith, William J. NPTU Charleston CCC

Objectives Discuss the importance and options available for money growth through savings and investments How to make your money work for you!

Risk vs. Reward (Younger) More risk/More Growth; Less Stability (Older) Less Risk/Less Growth; More Stability Portfolio Rule of Thumb: Age = The % of Fixed Income vs. Equity

Investment Management Broker Managed Do your homework on your prospective broker www.finra.org Self-Investing Online Time consuming No broker fees

Investment Metrics Rule of 72 Market Index Years required to double investment = (72) ÷ (compound annual interest rate) @ 7.2% your money doubles every 10 years Market Index S&P 500, NASDAQ, Dow Jones Industrial Good comparator with investment portfolio growth

Savings Accounts Banks Credit Unions FDIC/NCUA Insured Flexibility vs. Interest Rates

Bonds Debt investment loaned to an entity for a period of time at an interest rate Interest paid in Coupons Investor paid the face value of the bond at the maturity date Market price varies depending on a number of factors Credit quality of the issuer Length of time until maturity Coupon rate vs General interest rate environment at the time

Certificate of Deposit (CD) Insured Savings Accounts issued by Banks or Savings & Loans Normally has a minimum deposit, fixed term, and interest rate Interest rates slightly higher than general savings accounts

Stocks Ownership stake in a company Claim on part of the companies assets and earnings Dividends issued to shareholders as distribution of earnings Do your homework on the company!

Mutual Funds Pool of funds for the purpose of investing in securities Money Manager manages the investment portfolio for the fund Capital Gains paid to investors for sale of securities for profit or coupons for bonds Dividends paid for equity at specified intervals Fund prospectus will layout the investment objectives for the fund

Resources www.saveandinvest.org www.militarymoney.com Command Financial Specialist Fleet & Family Support Center

Questions?