Personal Savings and Investment

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Presentation transcript:

Personal Savings and Investment Element 46

JAX/Norfolk Purpose Explain common options for investing the money you set aside each month as you build a financial foundation

Your options Savings accounts offered by banks and credit unions: Safe (if insured), convenient, and flexible, but very low interest rates Certificates of Deposit (CDs): Safe (if insured), slightly higher interest rates, and less flexible U.S. Savings Bonds: Very safe, very modest interest rates

Your options Municipal or Corporate Bonds: Higher returns, higher risk Mutual Funds: A pooled investment in a collection of stocks and bonds; higher potential returns with more risk Individual stocks: Significant potential for earnings, via dividends and price appreciation, but even greater risk

Potential Return Higher Low Low Risk Higher Individual Stocks Mutual Funds Corporate Bonds US Bonds CDs Savings accounts Low Risk Higher

Resources Financial specialist at the command or the Fleet and Family Support Center www.saveandinvest.org/military www.militarymoney.com

Questions?